Lightning – or power surge? I’m not worried; I’m covered

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In the old days – I am 54 and have been in the insurance business since 1987 – a lightning claim investigation was a pretty simple process. I would simply review whatever resources were available and determine if a thunderstorm had passed through the area on the day the loss occurred. If a storm could be verified, the loss claim was validated.


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‘Small’ equipment loss can be a big thing

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When you hear machinery and equipment discussed as an available insurance coverage, you may envision huge mechanical or electrical apparatus associated with large-scale operations or massive production floors. You may conclude that your family-run flower shop or small- to medium-sized business doesn’t need this type of coverage.


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