Insurance Insights

Presented by

John O. Forlivio, President

For personal liability coverage that goes beyond the limits of what an automobile, watercraft, or homeowner’s policy provides, consumers are urged to purchase “umbrella insurance.” Also known as “excess personal liability insurance,” an umbrella policy will pay a judgment or settlement for a policyholder found to be at fault for an accident, and will pay
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If you or a member of your family uses a drone, you should check with your homeowner’s insurance company as to whether damages caused by drones are covered by the liability portion of your homeowners or renters policy. While some homeowner’s policies provide coverage for model or hobby aircraft, others cover only model aircraft while
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There are three options to consider when calculating the amount of protection that homeowners insurance will provide. Most standard homeowners policies cover the replacement cost of a home’s physical structure and the “actual cash value” (ACV) of the insured’s personal property. Because depreciation is factored in and the claim payments are generally lower, this is
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Auto insurance companies are in the business of determining the risk they can assign each person to whom they issue a policy. More and more, they are finding it is better to assess a driver’s likelihood of filing a claim based on his or her behavior rather than gender. California has become the seventh state
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If you think that it is all right to wait just an hour or two after heavy drinking and you will be fine to drive, think again. According to recent research, alcohol continues to affect cognitive functioning even after drinkers feel like they are sobering up. Some of the important cognitive functions affected by alcohol
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The part of your homeowners insurance policy known as “dwelling  coverage” helps pay for the repair or rebuilding of the physical structure of your home in the event it is damaged by a covered hazard. Dwelling coverage typically extends from the home to attached structures such as a garage, deck, and back or front porch.
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Most commercial property insurance policies provide coverage for business income loss by adding an endorsement to the insured’s property policy that is designed to protect the insured from loss of business income sustained as a result of direct loss, damage, or destruction to insured property by a covered peril. Best known by the name “business
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Scam Alert! This form was mailed out to all CT LLC’s and it’s a scam,  please discard it.
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