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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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