Sewer line backup: Know your coverage

optician

You walk into your office on a Monday morning to discover there has been a sewer line backup. After the initial shock, you wonder, “Do I have insurance coverage for this? If I do have coverage, what are my limits?” These are important questions, and ones you should consider asking your local independent agent now.


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When you have help at home, look to EPLI protection

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When it’s time to hire a personal assistant, nanny, housekeeper, gardener or other private staff, you picture finding a perfect match for your family and hope to consider that person a friend. No matter how wonderful you feel about the relationship, you have become a domestic employer. There is always the possibility that one of your staff may accuse you or a family member of a wrongful act such as discrimination, sexual harassment or wrongful termination.


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Flooded? Stay financially afloat

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Severe weather patterns in recent years mean homeowners and business owners have experienced everything from record snowfalls and tornadoes to recurring storms with wind, hail and record amounts of rainfall – all leading to a record number of flooded homes and businesses. Water claims under personal or business insurance contracts can be confusing and easily misunderstood, and standard insurance does not cover everything.


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