Our Blog

  1. Insurance Insights: In the Event of a Break-In

    by fforlivio

    Category: Our Blog

    Insurance Insights: In the Event of a Break-In According to data from the most recent year for which numbers are available, there were in excess of 2 million American households burglarized in 2004, which translates to tens of thousands per day. Prevention, of course, including secure locks for windows and doors, adequate lighting, and alarm […]

  2. Insurance Insights: Safety First!

    by fforlivio

    Category: Our Blog

    Insurance Insights: Safety First! Many of the safety features in today’s automobiles, such as anti-lock brakes and electronic stability control, exert themselves without the driver ever having to intervene. However, there are drivers who tempt fate by driving more aggressively than they would otherwise without the safety systems. Drivers must realize that their lack of […]

  3. Insurance Insights: Collective Concern

    by fforlivio

    Category: Our Blog

    Insurance Insights: Collective Concern If you own a valuable collection, you should take the steps necessary to make sure that it is adequately protected. Casual hobbyists probably have sufficient protection under their homeowner’s policies, which typically cover personal property up to half the value of their homes. However, serious collectors and those with growing collections […]

  4. Insurance Insights: Crime Insurance

    by fforlivio

    Category: Our Blog

    Insurance Insights: Crime Insurance Because commercial property insurance does not typically cover crime-related losses, businesses should look to “crime insurance” to protect themselves from significant losses stemming from forgery, theft, and fraud. Too often, this important type of business insurance is overlooked, leaving businesses vulnerable to everything from break-ins to unexplained loss of inventory. This […]

  5. Insurance Insights: Guarding Against Mistakes

    by fforlivio

    Category: Our Blog

    Insurance Insights: Guarding Against Mistakes Pharmacists, funeral directors, engineers, beauty salon owners, architects, and other professionals are expected to perform services for their clients in accordance with the standards of conduct of their professions. If those receiving these services perceive that the professionals delivering them have failed to utilize the degree of skill expected of […]

  6. Insurance Insights: Drifting Thoughts

    by fforlivio

    Category: Our Blog

    Insurance Insights: Drifting Thoughts It bears repeating that texting or using a cellphone while driving distracts drivers from the important business at hand. According to the National Safety Council (NSC) estimates, cellphone use while driving causes approximately one-quarter of all crashes annually. Whereas texting while driving increases the risk of crashing by at least eight […]

  7. Insurance Insights: Keeping Up With Change

    by fforlivio

    Category: Our Blog

    Insurance Insights: Keeping Up With Change Because changing circumstances can drastically alter the outlook of a small business, owners are urged to keep insurance agents apprised of such changes. Otherwise, a business may unnecessarily face exposures that can have enormous future effects in the event of a loss. One such change involves moving a business […]

  8. Insurance Insights: Outside the Box

    by fforlivio

    Category: Our Blog

    Insurance Insights: Outside the Box People who choose to store valuables in safe deposit boxes may find that they are not as safe as they seem. Depending on the bank’s policy, safe deposit users may not receive compensation for valuables that are stolen; damaged; or destroyed by fire, flood, or earthquake. It should also be […]

  9. Insurance Insights: Along Fault Lines

    by fforlivio

    Category: Our Blog

    Insurance Insights: Along Fault Lines Not only is earthquake damage not covered by the standard homeowner’s policy, but neither the federal government nor a homeowner’s insurer can compel a homeowner to purchase earthquake coverage. So does that mean that homeowners outside California (where earthquake insurance can be purchased from the privately funded, publicly managed California […]

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  10. Insurance Insights: When Machines Fail

    by fforlivio

    Category: Our Blog

    Insurance Insights: When Machines Fail Once referred to as “boiler and machinery insurance,” “equipment breakdown insurance” provides coverage in the event that a business’ machinery and equipment should be damaged due to mechanical breakdown, electrical arcing, failure of pressure vessels, and other causes. Equipment breakdown coverage will also cover the loss of business income that […]

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