Blog

Why You May Need a Personal Umbrella Insurance Policy for Extra Protection

Accidents can happen at any time to anyone, and if you have a teen driver in your household, you may be especially at risk. As a case in point, on Sept. 10, 2015, an Uber driver's vehicle was hit by a car driven by an 18-year-old girl. He spent five weeks in intensive care and many months more recovering from a traumatic brain injury. Still suffering from memory problems and chronic pain among other symptoms, he can no longer work and has initiated a lawsuit asking for compensation for his losses.

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Guide for After a Hurricane Strikes

Generally, more deaths occur after a hurricane than during. People are anxious to get outside and survey the damage and may come into contact with downed power lines or unstable trees, etc. Here are a few guidelines we've put together for after the hurricane:

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What is Boat and Yacht Insurance and Who Needs it?

No matter how stressful your life can be, when you're out on your boat it all gets left behind. There's nothing like enjoying fun and adventures with family and friends on the water. Clearly, many people agree, as there are around 12 million registered recreational boating vessels in the United States.

As much joy as boating brings, it's not without risks. Every year in the U.S. there's approximately 42 million dollars in property damages caused by recreational boating accidents. Additionally, boats can be damaged from hurricanes or other extreme weather, from sinking, hitting submerged objects, and fire, to name a few. They can also be stolen, and in fact, 90% of the time it happens while they are sitting on a trailer.

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Covering the Risks with Cybersecurity Insurance

For many years, businesses have been protecting themselves with insurance policies such as general liability and workers compensation insurance. So it may come as no surprise that your business needs protection from internet-based risk.

Regardless of best practices, including antivirus and anti-malware software, the frequency of updates and the performance of firewalls, cyber incidents still happen. No matter how much money is spent, even the largest corporations with the most sensitive information remain vulnerable.

 

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Life Insurance for Gay and Lesbian Couples

Revenue Ruling 2013-17 changed the terms "husband and wife" and "spouse" to incorporate same-sex couples for federal tax purposes, although it still excludes civil unions and domestic partnerships. Due to the ruling, financial planning strategies for married gay and lesbian couples has broadened to include life insurance policies.

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Eight Great Motorcycle Safety and Protection Tips

May is Motorcycle Safety Awareness Month, a time for drivers to remember that they share the road with motorcycles, and riders to remember to make themselves more visible to others.

Motorcycles may account for just 3% of all registered vehicles in the United States, but motorcyclists account for 14% of all traffic fatalities. It is estimated that motorcyclists are 30 times more likely than automobile passengers to die in a crash and 5 times more likely to be injured. Many of those deaths might have been preventable if motorists were more safety minded.

 

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