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Should You Get Insurance for Your Wine Collection?
Millions of people across the United States enjoy drinking a glass of wine. No matter whether it is at the end of a stressful day or over dinner, its popularity has never been more popular, even amid the growing boom of craft beers.
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What You Need to Know about the Different Types of Personal Injury.
Unlike accidental events that result in a person suffering a serious injury (called bodily injury) or property that is damaged or destroyed (called property damage), personal injury usually involves one person's alleged interference with another person's legal rights. It also applies to incidents that harm another person's reputation.
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What Is a Dangerous Workplace?
Work is an essential part of life. Having a well-paid job ensures we are able to meet the basic necessities of life such as eating and enjoying shelter; it can also help provide a level of comfort and healthcare. We all spend a long time at work, and many of us can take our workplace surroundings for granted.
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Are You Covered During Your Office Christmas Party?
The festive season is upon us, which means you might well be thinking about organizing an office Christmas or New Year's Eve celebration or have been invited to a client party. With the festive cheer and alcoholic beverages being consumed, there are many questions that arise…
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Controlling Rising Auto Insurance Premiums.
Car insurance is something that every road user needs to have. However, in recent years, many policyholders have become frustrated with the rising costs of car insurance premiums. There are a number of factors behind these rises, but some of the most common reasons include…
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Insuring for the Modern Smart Home.
For a long time, the primary difference between new and old homes was an aesthetic appeal. While the materials used in the construction would remain the same, the layout and features would change according to trends. From the space of the room to the prominence of core rooms such as the bathroom and kitchen, each home builder would tailor the construction to suit the overall cost of the finished property.
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Is a Business Owner Policy Right for You?
If you own and/or run a smaller business, your insurance needs may be properly handled by a businessowner policy (BOP). A BOP is a single form that offers both property and liability protection. Retailers, wholesalers, small contractors, artisan contractors, dry cleaners, restaurants, offices and convenience stores (including those with gas pumps) are eligible for BOP coverage.
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What Are the Two Types of Home Office Insurance?
Once considered a luxury for many people, 2020 has seen working from home become the new normal for millions of people across the globe. As the COVID-19 pandemic took hold and social distancing became commonplace, many people were forced to begin working remotely…
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Shoot! You Were Just in an Accident, Now What?
Most times after an accident, the drivers and passengers of vehicles are shaken up and it can be hard to remember what to do next.First, a reminder to be sensible with your priorities. After an accident, the biggest issue is everyone's safety, including assisting with injuries, as well as getting everyone out of harm's way. Remember, people first, and then worry about getting accident information.
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Lawyers' Professional Liability
Attorney-client relationships come with a multitude of professional responsibilities. A law office's Commercial General Liability Insurance policies carried for ownership, maintenance or use of their premises specifically excludes coverage for claims arising from professional errors and omissions. That "coverage gap" is addressed through a Lawyers' Professional Liability Insurance policy.
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Saving For Your Child's College Fund.
Starting at a very young age, everybody asks you what you want to be when you grow up. From the moment we are young, the wheels of what we should do in life begin. Most of us spend our formative years carefree and excited about our futures and then BAM — reality hits. Life is expensive.
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How Does the Fair Plan and DIC Work Together?
If you are a homeowner in California you have seen your homeowner's insurance rates increasing over the last couple of years, sometimes dramatically and even without having filed a claim. One of the major reasons for this has been the devastating wildfires that have plagued our state over the last couple of years.
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Some Boating Myths Debunked.
Driving a Boat is the same as driving a car. No it is not! Boats float on top of the water and generally the water is always moving. Boats cannot simply maneuver as precisely as a vehicle can on asphalt. Boats have no brakes, and even if they did have brakes you still have the movement of the water as well as wind playing a factor in moving you about.
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Volunteers Need Protection During COVID-19
We at Williams Co. Insurance Brokers applaud volunteers, particularly so at this time with such vastly increased need following the onset of the COVID-19 virus. Non-profits play an important role in the communities in which they serve, and without volunteers, many critical needs would be unmet.
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Your Relationship With Your Insurance Agent - And Why Its' Important
The personal relationships we have with the people in our life are imperative to build positive mental and emotional health. These important relationships not only include our family and friends but also our work colleagues, neighbors, and other groups that contribute to our identity.
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How Are Insurance Companies Responding to COVID-19?
Customers who are driving less want to know how their personal auto insurance will be impacted by Covid-19. Many insurance companies like Mercury, Travelers, Nationwide and Safeco are voluntarily returning either a percentage of premiums or a flat amount refund as a result of fewer losses due to the reduced traffic.
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Why is Cyber Liability worth it?
A lot of companies are under the impression that their Commercial General Liability (CGL) insurance will cover cyber exposures. Now where there is limited coverage under the CGL with the right endorsements, the coverage is inadequate. The coverage is not board enough to try handle cyber exposures. It is best to view cyber liability as a type of catastrophic coverage if something where to happen that the company would have a hard time recovering from.
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What Is Term Life Insurance and Who Needs It?
Term life insurance is a life insurance policy that provides death protection coverage at a fixed rate for a selected period of time. Simply, if you have a term policy and you die within that term, your beneficiary will receive the payout.
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What Is Insurance and Why Do You Need It?
Insurance can often be a complicated topic for many, filled with contract and legal jargon that is hard to decipher. But at its core, it's about Risk. How much of the risk are you willing to keep for yourself, and how much of the risk can you transfer to someone else.
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