August 16, 2024
jdowdinsTips for Securing Business Interruption Insurance
Business interruption insurance can make all the difference in helping organizations stay resilient amid unanticipated disasters and reduce the fallout stemming from related disruptions. Consider these best practices for purchasing and maintaining adequate business interruption insurance: Perform a risk assessment. An organization’s business interruption exposures and related coverage needs will vary based on its industry, […]
August 15, 2024
jdowdinsWhat Additional Coverages Are Available With Business Interruption Insurance?
Business income and extra expense coverage or business interruption coverage provides financial protection for certain expenses that can arise if a business is forced to pause its operations or temporarily close its doors due to direct physical damage incurred by covered perils. Business income and expense policies also offer additional coverages and extended coverages. This […]
August 14, 2024
jdowdinsWhat Is Business Income and Extra Expense Insurance Coverage?
When organizations encounter unexpected disasters, avoiding operational disruptions or temporary shutdowns may be challenging, and even brief closures can carry costly consequences. That’s where business interruption insurance can help. This policy can offer much-needed financial protection when an organization’s usual business activities are disrupted due to covered perils (e.g., fires, theft, vandalism, heavy wind and […]
August 12, 2024
jdowdinsRenters Insurance for College Students
When your child leaves for college, it’s a period of profound change that can be a challenging adjustment. Many moving parts and checklists must be completed for this new life experience. One item you should add to your list is speaking with your insurance provider to ensure your student still has coverage while they are […]
August 7, 2024
jdowdinsHow Do Insurers Calculate Home Premiums?
In the world of insurance, it’s essential to understand key terms in order to navigate and make informed decisions about policies. One of these terms is insurance premium, which is the amount a policyholder must pay in exchange for coverage. Depending on the type of policy, an insurance premium must be paid monthly, twice a […]
August 5, 2024
jdowdinsHow Do Insurers Calculate Auto Premiums?
In the world of insurance, it’s essential to understand key terms in order to navigate and make informed decisions about policies. One of these terms is insurance premium, which is the amount a policyholder must pay in exchange for coverage. Depending on the type of policy, an insurance premium must be paid monthly, twice a […]
July 29, 2024
jdowdinsHow to Protect Your Home From Break-ins
Even if you live in a relatively safe neighborhood, the threat of crime cannot be completely ignored. Unfortunately, there may be a time when a criminal sets their crosshairs on your home. To limit the risk of a burglar entering your home or even being tempted to try, consider the following strategies: Always lock your […]
July 24, 2024
jdowdinsWhat Are The Benefits Of Professional Liability Insurance
Although most service professionals prioritize taking good care of their clients and providing them with the best possible guidance, mistakes can still happen. When these errors occur, clients could face considerable harm, prompting them to hold service professionals accountable for their wrongdoings and leading to costly lawsuits. Fortunately, that’s where professional liability insurance can help. […]
July 22, 2024
jdowdinsWhy Do I Need Flood Insurance?
Flooding is a significant risk for homeowners that can lead to damaged drywall, flooring, furniture and electronics. If water isn’t removed quickly, harmful mold can develop, posing health risks to occupants. In some cases, flooding can impact the livability of a home. With flood damage costs projected to rise as the climate warms, it is […]
July 17, 2024
jdowdins10 Signs A Tree May Fall On Your Property
Trees can be valuable additions to any property; however, each year, fallen trees and branches cause millions of dollars in property damage. It is crucial to proactively recognize signs a tree may be at risk of falling to help prevent dangerous and costly accidents. Cracks in the trunk could signal a structural weakness. An increase […]