FathomA client recently moved his mother into assisted living and was worried about her new exposures in a shared living space. Did the facility’s insurance cover her and her belongings? To help him get the …
A client recently bought a home for his parents to live in. Both his parents’ names as well as himself and his spouse were listed on the deed to the home. The parents insure the …
A client has a side business where she is a photographer taking family portraits out of her home. During her audit, we discovered that her homeowner’s policy wouldn’t extend should a client be injured in …
After reviewing a client’s portfolio, we realized the ex-husband was still on all of the policies even though they no longer lived in the same home and assets had been divided. They hadn’t thought to …
In the event of a disaster, homeowners insurance will pay the agreed amount to rebuild or repair the home. But what about the things inside the home? Anything in your closet that isn’t jewelry or …
Many clients have the ability to hire personal staff to help make life easier. Housekeepers, nannies, caretakers, and personal assistants are all wonderful resources for busy families. But if the employee is hired directly (no …
Homeowner’s policies cover the “Dwelling” (the main home structure) and then separately provide coverage for “Other Structures” (those not attached to the main home) which can include: detached garages, guest homes, sheds, fences, pools/pool houses, …
Certain carriers go above and beyond for their clients with high-valued art and collectibles. They can provide services like transportation recommendations when moving art on loan to a gallery or museum, advice on how to …
Insurance agents must be licensed in every state they place business in. Often times an agent will not be licensed or have the carrier options outside their home state. This becomes an issue when your …
Hackers are getting more sophisticated by the day. Having the proper protection to come to the rescue in times of a breach is priceless. Several of our carriers offer a standalone personal cyber policy that …