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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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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.

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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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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.

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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.

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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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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.

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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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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!

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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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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.

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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.

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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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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

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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.

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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.

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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.

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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 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.

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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.

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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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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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