Fires are the most common claim for homeowners, and they can start in a variety of ways. 

The causes of these fires range from food left unattended on the stove to candles left burning. A majority of these fires are preventable with some forethought and care to minimize the risks.

A new report predicts that most commercial insurance lines will see increases in 2020 as the market continues to harden almost across the board, with the only exception being workers' compensation.
​ 

Imagine several small businesses located around the country. Each is well-established and profitable. Each of them bought business insurance - property, liability, automobile, and workers' compensation.

They told their agents they wanted the lowest possible price for coverage, and the agents came through. But they didn't also take their agents' recommendations to purchase additional coverage.
​

Test Your Home. Protect Your Health.

The Environmental Protection Agency (EPA) has designated January as National Radon Action Month. As part of this safety campaign, American’s are urged to protect their health by testing their homes for radon. 

Winter weather is tough on nearly everything, including your roof. Harsh winds, the stress of freeze-thaw cycles, and the weight of the snow can affect a roof’s structural integrity.  The damage can range from a leak to a roof collapse.

Fraud takes many shapes and forms, among them corporate fraud, consumer fraud, tax fraud, identity theft, and many others. According to ACFE (Association of Certified Fraud Examiners), organizations worldwide lose an estimated 5 percent of their annual revenues to fraud, costing the world $3.7 trillion each year.
​

In the course of doing business, you may sometimes find yourself entering into contracts requiring that your business be named as an additional insured on another party's insurance policies.
 
This is often done to protect your business from losses for which you may be legally liable as a result of the business relationship you have with the other party, but that are not due to your own business's direct negligence.
 
An additional insured is defined as an individual or entity that not automatically included as an insured under the policy of another, but for whom the named insured's policy provides a certain degree of protection.
​

When stores lease real estate spaces or construction firms win jobs, the party on the other end usually has a particular set of requirements.
 
One of the requirements is that the tenant, contractor, or borrower show proof that he or she has adequate insurance.
 
Copies of insurance documents may be sufficient. But, not all companies want copies sitting around. A suitable substitute for document copies is a certificate of insurance. 
​

Business owners who form a corporation or a limited liability company (LLC) may question the need for the business to carry insurance. A significant benefit of these forms of business organization is that they shield the owners' personal assets. Because of this, they may believe insurance is unnecessary.
​

Vehicle crash statistics are startling. A vehicle crash occurs every five seconds, someone is injured in a vehicle crash every 10 seconds, and someone dies in a car crash every 12 minutes.