Uninsured Motorist Coverage for Lost Wages from Car Accidents
I have two clients who are young professionals with significant future earning potential. However, their umbrella policy didn’t include uninsured/underinsured motorist coverage.If someone were to hit them and they couldn’t work, they would want to
Even Renters Need Umbrella Liability Coverage
With no car and a simple apartment, Andrew, the adult child of significant family wealth, thought he didn’t need any insurance. But that’s not the case at all! While a renter’s policy will help with
How to Lower Your Homeowners Insurance Premium
Though a successful client had never turned in a claim for anything under $10,000, they had left their homeowners policy deductible at $250 for many years. But by having their deductible so low, they were
Is Your Homeowners Insurance Replacement Coverage Accurate?
The last time our new client discussed the value of their homeowner’s policy with their previous agent was 12 years and three renovations ago. Our audit found that their property was now worth $1M in
High Net Worth Umbrella Policies & Personal Liability Coverage
Our new client recently sold his business and his net-worth quadrupled overnight. This client had an umbrella policy, but it was only $2M because that was the highest limit his broker could underwrite. We encourage
Claim Hot Potato
One of our new clients discovered no one was his advocate during the claim process with his previous carrier. Having an accident is already a challenge, but it’s compounded when you discover you must manage
Avoid Duplicate Coverage for Multiple Business Entities
Most of you know that we are a full-service P&C insurance agency, yet I’m usually just talking about Personal Insurance with our clients. But I had a Business Insurance situation that could impact many of your
Have You Been Transferred to an Insurance Call Center?
It is time to end the myth that better service and insurance coverage will increase a client’s premium costs. This week, Brunswick Companies saved the client $3,000 by placing him with a premium carrier. And
Trustee & Endorsement Insurance
I just experienced something that needs to be shared. Our new client has been a trustee for years. In his role, he is responsible for a challenged, but independent adult. Our insurance audit uncovered that