May 28, 2024
jdowdinsUnderstanding Non-owned and Hired Automobile Liability Coverage
Does your business have potential automobile loss exposures that you are not aware of? You’ve taken all of the necessary steps to ensure that your own fleet operation is properly covered in the event of an accident. But what about the potential loss that arises from individual employees who operate their own personal vehicles for […]
May 22, 2024
jdowdins6 Types of Auto Insurance Coverage
It’s important for auto insurance policyholders to fully understand the protection provided by their coverage. Check out this video which discusses coverages included in most standard auto policies.
May 20, 2024
jdowdinsWhat Is The Difference Between Life Insurance and Annuities
Fixed annuities and life insurance policies are both purchased through insurance companies and may protect a lifestyle and future, but these financial products satisfy very different needs. Generally, life insurance policies offer a death benefit to beneficiaries after the policyholder passes away; however, some types of life insurance may also include a savings component that […]
May 13, 2024
jdowdinsHow To Avoid Contractor Scams
As a homeowner, you may need to make repairs or renovations to your home, or otherwise enlist the services of contractors. However, scammers and con artists may attempt to impersonate contractors and take advantage of your needs. Detect suspicious parties and avoid falling for their contractor scams by being wary of the following behaviors: Arriving […]
May 10, 2024
jdowdinsUnderstanding Commercial General Liability Insurance
General liability insurance, sometimes referred to as commercial liability insurance, protects businesses from financial loss should they be liable for property damage or personal and advertising injury caused by their services, business operations or employees. This video provides an overview of these policies and reasons why businesses should secure coverage of their own.
May 6, 2024
jdowdinsHow To Safely Share The Road With Motorcycles
May is Motorcycle Safety month, and an ideal time to review tips to keep motorcyclists safe on the road. Keep the following in mind when sharing the road with bikes and motorcycles: Check your blind spots before changing lanes or turning and always use turn signals. Avoid distractions while driving that could put other motorists, […]
May 2, 2024
jdowdinsDoes My Business Need Equipment Breakdown Insurance?
If your business depends on functioning equipment to operate and maintain revenue, a breakdown could be devastating. The threat of breakdown is increasingly prevalent because technologically advanced equipment tends to be sensitive and fragile, and can easily sustain damage that causes breakdowns. And the losses sustained continue to increase with the rise of just-in-time manufacturing, […]
April 29, 2024
jdowdinsCan Home and Renters Insurance Cover Incidents Involving Your Pets?
Even the most docile or well-behaved pets could be startled by an unknown party, such as a guest, neighbor or passerby, potentially causing them to lash out or react unexpectedly. Fortunately, the liability coverage portions of many home and renters insurance policies can include incidents involving your pets, such as the following: Injuries—If your pet […]
April 25, 2024
jdowdins6 Reasons Why Life Insurance Matters
Life insurance can offer numerous benefits to individuals and their families. Below are some key advantages: Financial security for loved ones—Life insurance offers financial protection for families. If a policyholder passes away during the policy term, their beneficiaries can receive a death benefit, which may help cover expenses such as funeral costs, outstanding debts, and […]
April 22, 2024
jdowdinsIf a Tree Falls, Who Pays?
Every year, storms are responsible for felling countless trees and limbs. Unfortunately, some of those fallen trees damage homes and other property. Cleaning up the damage from a storm can be a difficult task, both physically and emotionally, and things can become especially tense when you discover that it’s your neighbor’s tree that damaged your […]