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As your business begins to flourish you may see the need to take it to the next level. The simple business structure you started not too long ago has outgrown itself. You need more out of the current structure you have in place. It may be time for an entity change. This can cause you concern because you are unsure of how a change will affect your insurance. First, let us look at the reasons why you would want to make a change. Then we will look at the effects such changes could have on your business.   Reasons Why You Would Want to Change The success of your business is a good th

With over $20 billion in claims over the past 10 years, floods are the most costly natural disaster in the United States. Yet many real estate owners, from businesses to homeowners, often forgo the purchase of flood insurance when not required to by their mortgage company. Unless you live in a flood-prone area, the thought of your property flooding may not be top of mind. Unlike fires which can occur anywhere, or large storms such as hurricanes or blizzards, floods tend to take property owners by surprise. Flooding can be caused by a number of circumstances. In some instance, the primary

Practically every business depends on equipment to keep their operations running and revenues flowing. Equipment breakdown coverage insures all kinds of equipment types. Most common breakdown exposures include air conditioning systems, elevators, point of sale equipment, and more. Coverage can also be purchased for more complex machinery such green energy and telecommunications equipment to generators and even robots. In today’s digital world, equipment breakdowns are more common and have a higher risk. Equipment now contains fragile and delicate computer components which can easily get d

One of the most important coverages within your automobile insurance policy is for uninsured and underinsured motorist coverage. In the United States, it is estimated 12.5 percent of drivers are uninsured. This is in light of all states requiring at least a minimum amount of coverage. As a way for individuals and business owners to protect themselves from these risks, insurance companies offer uninsured and underinsured motorist coverage, or UM & UIM for short. The additional coverage provides financial security when your fellow motorists do not abide your state laws or did not purchase

With an overactive hurricane season, 2017 brought devastation across the Gulf Coast and north along the Atlantic seaboard. The year saw a total of seventeen tropical storms, of which ten became hurricanes. Ending a 12-year span, where not one hurricane made landfall in the United States, hurricanes Harvey and Irma broke the streak and caused billions of dollars in property damage. They also left policyholders wondering how their deductibles would apply after the wind died down. The difference between a tropical storm and a hurricane is only a few miles per hour in wind speed. In the insu

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