Williams Insurance

Past Articles

Fair Vs. Unfair Discrimination - How Insurance Companies Fairly Practice Discrimination and Why That’s Important For You

Is there such a thing as fair discrimination? Insurance companies regularly practice discrimination, and it's quite necessary.

Insurance Fraud: How Fraud Greatly Affects the Insurance Sector While Consumers Often View the Problem as Less Serious

Fraud always plagues the insurance sector, while insurance consumers often view the problem far less seriously. There is a similarity in how individuals view tax fraud.

Social Inflation: How the Insurance Sector Remains Sensitive to their Operational Environment

Those involved in the insurance sector have always been sensitive to their operational environment. Everything revolves around contractual obligations.

Driving in the Wintertime: How to make sure you, your car, and your wallet remain safe in poor driving conditions.

Driving safely during the months that include snow, blinding storms, ice, and slush takes preparation and the proper mindset.

Did you receive some nice and meaningful jewelry this Christmas? Learn how to protect your priceless valuables.

Most homeowner policies provide minimal coverage for jewelry. The reason? Jewelry is high-valued (especially concerning its size), is easily lost or destroyed, and is vulnerable to theft (as well as fraud).

(Un)Score Insurance Through Credit Score: What To Do If Your Insurance Is Being Affected By Your Credit Score

Insurance companies use different sources of information about a person that supplements an application. For auto coverage, motor vehicle reports are ordered. For home coverage, physical inspections may be needed.

Battling Burglary: How to Protect Your Property and Your Privacy from Pilfering Persons

Few things give a property owner a sicker feeling than coming home and finding a door that was locked and closed is damaged and ajar. Dreading taking any action, the door is opened and entered and there is the chaos and loss caused by burglars.

Encounters In The Air: How to Stay Safe Throughout Cramped Aisles, Crying Babies, Crowded Spaces, and Other Airport Stressors

Does anyone still romanticize air travel? The entire process irritates most people because it includes so many negative elements.

Headed Out For A While? Learn About Protection for Your Vacant or Unoccupied Home

An unoccupied home is a temporary condition and an exception to a residence normally having occupants, like vacations. A vacant home generally represents an abandonment of property. Either condition may affect your coverage under a typical homeowner policy.

The Fine Print of Fireworks: How to Ensure You’re Covered When It Comes to Lighting Fireworks at Your Home

New Year’s Eve is well-known for champagne, dancing, and fireworks displays created by both trained professionals and at-home amateurs.

Claims By Candlelight: Minimize Candle-Related Risks to Your Health and Home

If protecting one's home isn't complicated enough, it appears that the soft, soothing glow of a candle's flame may obscure some dark problems.

An Icy Situation: How To Prevent Ice Dams and The Damage They Can Cause

If you live in a climate that includes cold winters, you know the season creates special challenges for homeowners.

More Than A Milestone: Determining When to Evaluate Insurance Needs Without Relying on Milestones

Insurance decisions are usually made on a static basis related to life’s milestones.

A Brief Overview of the Commercial Property Policy and How It Applies to Your Business

No matter the size or type of business, tangible property is a major asset. A national standard for insuring such property is the Insurance Services Office (ISO) Commercial Property Program.

Dealing with Indirect Loss: How to Prepare Your Business for the Unexpected

A business owner wants to protect company assets, and one way they achieve this is by handling direct threats to buildings, equipment, office furniture, etc. However, there is another area of concern that is critical for survival - addressing indirect threats.

Security Systems Keep Your Business Safe, but What Happens If A Loss Still Occurs?

Do you have a security system or service? If the answer is yes, then this article is for you.

The Standard Property Policy: An Alternative for Buildings That Are Not Covered by a Commercial Package Policy

The Commercial Package Policy (CPP) may not be available because of your building's size, age, construction, or contents. Fortunately, there is an alternative.

Protect the People at Your Home for the Holidays! How to Ensure the Guests at Your Holiday Party Are Safe During the Event and After They Leave

The holidays are rapidly approaching, and many people are looking forward to celebrations that include friends and family from across the country. Food, fun, conversations, and spirits will flow generously.

Got a Gig? If You’re a Performer, Make Sure You and Your Property Are Covered When Performing

From the smallest towns to the largest cities, there's the repeated scene of a bar or club filled with people. They gather to eat, drink, and to be entertained (usually) by one of three popular sources: live bands, DJs, and karaoke. While many performers who provide these services do so full-time, the vast majority don't. In fact, many such performers treat their activities as hobbies instead of businesses, and that can create problems.

Heading to a Tailgate? Make Sure You’re Covered From the Possibilities of What Could Go Wrong

Autumn is known for its colors - the changing of the leaves, the in-season plants that grow, and the masses that gather outside football stadiums each weekend wearing jerseys and other paraphernalia in support of their favorite teams.

Don’t Fan the Flames! How To Stay Safe While Enjoying Your Fire Pit

Many homeowners love to use fire pits as a simple and effective way to enhance the looks and usefulness of their outdoor spaces. Great for entertaining during the cooler days and nights of spring and autumn, it’s no wonder these items have grown increasingly popular.

Can You Escape the Liabilities? How To Have Fun and Stay Safe When Hosting An Escape Room

Over the past few years, a trendy new activity has swept the nation. A popular form of entertainment for family and friends, as well as a team building method used by many businesses, escape rooms are an exciting way for a group to work together.

Joining the Neighborhood Carpool This School Year? Make Sure You Have the Coverage You Need!

Environmental concerns, traffic congestion, convenience, desire to relieve driver stress, poor public transportation, and lack or expense of parking are all factors that contribute to commuters forming driver groups or carpools.

A Night to Remember: How You Can Ensure Your Child’s Safety for High School Dance Nights

High school dances are a fun way for teenagers to participate in a formal event. They are also considered opportunities to act as a full-fledged adult.

Are Your Academic Activities Covered? Why You Should Consider Educators' Legal Liability Insurance for Your Academic Organization

Educators' Legal Liability Insurance handles loss that is directly involved with the academic activities of private or public colleges, universities, high schools, or even trade schools.

In-Home Daycares and Schools: Make Sure You Have the Coverage You Need to Protect You, Your Home, Your Students, and Your Employees

A variety of businesses are routinely operated in homes. Many home-based businesses affect little more than the homeowner and other residents, but some businesses that operate from a home directly affect many other people.

Who Doesn’t Love A Treehouse? Kids, Parents, and Neighbors All Recognize the Great Fun a Treehouse Provides, But Your Insurance Agent Is Unconvinced

Treehouses are the epitome of childhood fun. They are clubhouses, hideaways, castles, war rooms, forts, spaceships, control centers, submarines, and more. The use of a treehouse is limited only by imagination.

Interested in Renting Pools or Tools? What You Need To Know About Participating in the Sharing Economy

The internet is relentless in finding ways to maximize the sharing of resources, and the creation of online/mobile platforms that match buyers with sellers has made this process more streamlined and much easier.

You Know The Grill! How To Keep People and Property Safe While Cooking on a Grill This Summer

During summertime, millions of households regularly take advantage of the pleasant, warmer weather by cooking meals outside, specifically on the grill. While this is generally seen as a fun and relaxing activity, it can also represent a serious source of property damage and injury.

Is Your Boat Protected on the Water and in the Harbor?

The insurance approach for covering boats and boating property is similar to the approach used to protect cars and homes. Essentially, insurance is offered on a package basis, meaning that there is coverage for physical property and protection against the legal and financial consequences of injuring others or damaging property that belongs to others.

Is Your Summer Fun In Danger? How Lacking Safety Precautions and Proper Liability Coverage Can Ruin Any Summertime Activity

With sunny days, warm weather, and ample free time, our daily lives see a huge surge in recreational activity during the summer. Parents don’t want their kids inside staring at screens all day, so they find leisurely and recreational activities for themselves and their children to enjoy. These activities range from family vacations and summer camps to backyard sports games and neighborhood pool visits. Some families may even purchase passes to recreational facilities, such as parks or community centers, during the summer.

Pros and Cons of Dogs in the Workplace: How It Can Help, How It Can Hurt, and How You Can Be Protected

Dogs at work have become a welcome new benefit for employees. According the scientific studies, dogs help reduce stress, anxiety, and depression. This means that allowing employees to bring their dogs to work could actually benefit employers and business operations.

Be Prepared To Overcome Catastrophe: Protect Your Business from Interruptions to Normal Operations with a Disaster Recovery Plan

No business wants to face an event that could seriously curtail or even shut down operations, but the unfortunate reality is that few businesses have plans to deal with such a disaster. It is not unusual for a business to overlook creating disaster plans. Further, companies that do have disaster or continuity plans in place often fail to update their plans on a regular basis.

How to Protect Your Contracting or Construction Business from Equipment Theft: What You Need to Do and How We Can Help You

Building and Construction work is an expensive business. From labor costs, the fluctuating prices of building materials, and more, contractors must consider many things when evaluating their expenses. One of the most costly yet most important parts of the budget lies in the equipment and machinery a construction company requires.

You, Your Business, and Insurance Costs - What You Need to Know

As a business owner, you know why your products or services have their specific prices. Businesses price their products to cover the costs of production, labor, sales marketing, and other major expenses.

What Is Subrogation, and Why Does It Matter?

No matter what is being covered, an insurance policy is a contract between the insurance company and the party that wants protection. When properly used, subrogation provides many benefits to insurance companies and their policyholders.

Home-based Business and Auto Insurance: What You Need to Know.

Do you operate a business from your home? If so, you have likely arranged for proper coverage to protect your property, such as business equipment and furnishings that you use for business purposes.

Commercial Auto Medical Payments: What Are They, and Why Might You Need Them?

Policies written for commercial operations that include a vehicle exposure (Business Auto, Garage, Trucker, and Motor Carrier Coverage) are missing an important coverage: Auto Medical Payments.

What is Safety and Environmental Consultant's Liability?

A safety and environmental consulting firm specializes in quick responses to environmental incidents, such as cargo spills of contaminants from petroleum haulers.

Real Estate Agents and Brokers Need the Right Coverage for Wrongful Acts.

Real Estate Agents and Brokers Professional Liability Policy protects against loss due to wrongful acts committed by a real estate agent in the course of providing realty services.

What Should Professional Liability Look Like for Architects and Engineers?

Architects and engineers are highly trained professionals who provide advice and services to individuals, businesses, and governments about a very wide variety of issues related to building, design, and construction.

How to Avoid Ugly Losses in the Beauty Industry.

Barber shops and beauty salons offer a wide range of services, which traditionally include hairstyling, shaping eyebrows, applying cosmetics, permanent waving, shampooing, tweezing, facial shaving, trimming, plucking, bleaching and dyeing, manicures, hair tinting, waxing or hair removal, and pedicures — to name a few.

5 Warning Signs to Consider When Researching Insurance Quotes Online.

The Internet has a long history as a critical method for promoting, quoting, and selling insurance.

E-scooters: A Change for the Better, or Just Another Liability Concern?

E-scooters are a natural outgrowth of ride-sharing and a concern to find more eco-friendly transportation. Several companies, such as Spin, Lime, Scoot, and Bird, have targeted locales with dense populations and traffic issues…

How Does Artificial Intelligence Influence the Cost of Your Insurance?

Artificial Intelligence (AI) is an increasing presence in the insurance industry. This is because insurance deals with large amounts of data that humans cannot process in the amount of time that AI can process.

How to Protect Your Business from Social Media Liability Claims.

Your chances of suffering a loss are increasingly affected by your use of the Internet and, particularly, social media. Increasing your awareness of social media liability loss exposures may help you to minimize or avoid them.

Workplace Monitoring: Balancing Employer Interests and Employee Privacy Rights.

The use of monitoring has substantially increased in recent years due to the availability of inexpensive technology as well as the pandemic, which created a surge in working from home.

The Business Owner's Policy: Defining Your Coverage Options.

If you own a smaller business, your insurance needs may be properly handled by a business owners policy (BOP). A BOP is a single form that offers both property and liability protection.

4 Ways to Proactively Protect Your Business from Employee Theft.

A major source of loss for many businesses is their employees. The more trust an employer places in a given employee, the more vulnerable that employer is to employee-related loss if that employee is dishonest.

Understanding the Difference Between an Employee's and an Independent Contractor's Insurance Responsibilities.

Business owners have a lot at stake when determining whether persons connected with their ventures are employees or independent contractors.

Staying High and Dry with a Commercial Umbrella Liability Policy.

A Commercial Umbrella Liability policy is a coverage option that should be seriously considered by any business, regardless its size.

Don't Lose Focus after a Vehicle Accident: Help the Injured and Then Grab Your Camera!

While pictures are better than verbal and written accident descriptions, it is best to have a photographic strategy in order to gather visual accident information to protect against any possible liability resulting from the accident.

Don't Let Road Rage Drive Your Decisions on the Road.

Driving is already tough enough so try not to complicate it more with rude or aggressive behavior. Also, car insurance isn't free, so start your car, give other drivers a break, and keep a cool head.

How to Avoid Accidental Identity Theft after an Auto Accident.

Instead of limiting our information to just the names, license numbers and insurance companies, drivers now trade more details than is necessary. Sensitive and even private information that can put you or your family at risk is now being readily shared through a mobile device…

Why Running a Red Light Is Never Worth the Risk.

Driver beliefs clash with reality. Running red lights cause serious issues. In 2019, 846 people lost their lives in the U.S. and another estimated 143,000 people were injured as a direct result of drivers running a red light.

Ten Things to Consider When Purchasing an Older Home.

As of September 2020, there are approximately 190 million homes in the U.S. 14% (27 million) of these homes are between 11 and 20 years old, and 20% (37 million) of the homes are over the age of 70.

Mold Prevention: Your Insurance Coverage Options and When You Should Call the Pros.

Many types of mold are found indoors and can grow on nearly any type of wet surface including wood floors, carpeting, tiles, drywall, paneling, and even insulation inside the walls.

The Hidden Liabilities of Home Renovations.

Keeping your family, visitors, and home safe during a renovation. Whether projects are performed by the homeowners or by contractors, insurance considerations arise.

Laws to Consider Before Starting Home Renovation Projects.

As the world slowly regains its composure and supply lines reopen, many homeowners are looking to remodel or rebuild their homes, especially as lumber prices begin to drop to pre-pandemic levels.

Hobby or Business? Make Sure You Are Protected.

We all have hobbies, but have you ever considered whether your hobby affects your insurance needs? Quite often, these hobbies could require a large investment in relevant property, and in some cases, can even require legal responsibility.

Is Your Bathroom a Danger Zone?

Insurance is there to help protect you in the event of an accident, but adopting an effective risk management strategy into your life can help you reduce the chances of an accident occurring.

How to Handle A Commercial Auto Cellular Distraction

If you operate a commercial fleet, then you know how important it is to be minimizing accidents and risks from drivers. When an accident occurs, it causes a wide range of issues for a business, from the interruption of work to substantial property loss.

How Much Are Your Possessions Worth?

We are all often guilty of taking our personal property for granted. When we use our items every day and have an abundance of material goods, it can be very easy to become unconscious of their existence — until a significant loss occurs!

Property Concerns to Consider When Working From Home.

Since the COVID-19 pandemic took hold, there has been a significant increase in people working away from the traditional office setup. As the government enforces social distancing, working from home (WFH) is now a necessity for many employees, reducing the opportunities for the virus to spread.

The Rise of the Smart Car.

In recent years, technology has completely transformed the world that we live in, and the automotive industry is not different. Do you remember the first time you got behind the wheel of a car? From that very first time in the driver's seat, safety has been drummed into us.

The Teen Text Mess: The Rising Issue of Texting While Driving

For teenagers and young people, learning to drive is their chance to gain their independence and discover the world more easily. However, recent research has shown that young female drivers are now just as dangerous behind the wheel as their male counterparts, particularly when it comes to texting while driving.

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.

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.

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.

Why the Holiday Season Is the Perfect Time to Check Your Coverage.

When was the last time you checked your coverage? Typically, we only usually make insurance decisions following a key milestone in life, such as moving home, marriage, purchasing a new vehicle, or having a child…

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…

What Is Real Estate Agents and Brokers Professional Liability?

Real estate is a highly competitive business and ensuring you are fully protected while still being able to control costs is crucial. The right insurance policy has never been more important…

Examining the FMCSA Drug and Alcohol Testing Program.

To ensure that commercial drivers are safe and companies can protect members of the public, the Federal Motor Carrier Safety Administration (FMCSA) provides an extensive testing and education program.

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…

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.

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.

Is An Umbrella Insurance Policy Right For You?

Insurance is a necessity of life. From the policy designed to protect your home and its contents to the automobile coverage protecting your vehicle, there is a wide range of options available to you.

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…

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.

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.

What is Hired and Non-owned Auto Coverage?

When it comes to auto usage, employees will commonly use their own vehicles in their jobs, or to run an errand for their employer.

US Labor Dept. Looking to Simplify Independent Contractor Language.

Recently, the U.S. Department of Labor brought forth a proposal to clarify the language that classifies workers as independent contractors rather than employees.

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.

The Affordable Care Act: Why You Are Restricted to Open Enrollment.

The Affordable Care Act, also known as Obamacare, was signed into law in 2010. The act was passed to provide affordable health insurance coverage for all Americans regardless of pre-existing conditions.

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.

Why Your Kids Need an Email Address Before Their First Birthday.

When exactly is a good time for your child to have an email address? This question may seem quite complicated, but the answer is pretty simple, as soon as they have a name!

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.

The Property
of Others.

There are many businesses who repair or service property of a customer or that that is owned by another party. Should this property be damaged or destroyed, there may be obligations under an agreement or contracts to repair or replace it.

Why is Condo Ownership so Complicated?

Condo insurance is often treated as a one size fits all type of policy. Real estate agents often tell buyers the HOAs master policy covers the structure and that the buyer only needs to cover their personal property and personal liability.

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.

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.

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.

What If Employees Refuse to Come Back to Work?

Employers need to observe caution when deciding to replace an employee who refuses to work because of concerns about COVID-19. We recommend they consider the following

The Importance of Annual Mammograms and Monthly Breast Self-exam.

As a Breast Cancer Survivor for 7 years, it has become my passion to educate women on the importance of Beast Self-Exams and Routine Mammograms.

Cheapest Cars to Insure for Your Teenager.

Car insurance premiums and teenage drivers. Those two ideas are enough to send any parent running for the hills. Safety and affordability are generally at the top of mind when beginning the search for your teenagers first car.

Who Needs Cyber Insurance?

The simple answer? Everyone. In today's society everything is online, and with the COVID-19 pandemic keeping everyone inside internet use is skyrocketing.

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.

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.

What to Know about Boat Insurance.

There is no secret that owning a boat comes with a ton of wonderful memories and trips out on the water. However, with all the fun comes a certain amount of risk in owning and operating a boat.

Do I Really Need to Buy Rental Car Insurance?

The short answer is, yes. While your auto policy coverages DO extend to your rental car there are certain things that your auto policy will not cover.

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.

What is Medicare Part C?

You may choose to enroll in a Part C Medicare Advantage Plan (like an HMO or PPO) for as little as $0 premium. These plans are offered by private insurance companies that have a contract with Medicare.

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