Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.
What is Employment Practices Liability Insurance (EPLI)?
Posted: August 19, 2025
Employment Practices Liability Insurance, commonly called EPLI, is a crucial business insurance that safeguards companies against employee claims alleging rights violations. In today’s complex employment landscape, even small businesses face exposure to potential lawsuits related to hiring, firing, workplace conduct, and management decisions. Having EPLI coverage can provide EPLI 101: A Shield Against Workplace Lawsuits EPLI policies typically cover legal defense costs and settlements associated...
Home Sweet Home: Insuring Your Property and Belongings
Posted: August 14, 2025
Your home is more than just a place to live. It’s your most valuable asset and the center of your everyday life. Homeowners insurance is designed to protect your investment, your belongings, and your financial stability. Many homeowners aren’t sure what their policy covers or where the gaps could exist. Understanding your coverage options is the first step to ensuring your home and everything inside...
Exclusions in Business Insurance Policies: What’s Not Covered?
Posted: August 4, 2025
When purchasing business insurance, many policyholders focus on what is covered. But just as important is understanding what is not. These uncovered situations, known as exclusions, can leave your business vulnerable if you’re not careful. Knowing how exclusions work can help you choose smarter coverage and avoid costly surprises. What “Exclusion” Actually Means An exclusion is any situation, condition, or type of damage your insurance...
Managing Premiums: Tips for Getting Lower Personal Insurance Rates
Posted: August 1, 2025
Insurance is vital to protecting the value of your home, car, and other personal assets. That doesn’t mean that the premiums should break the bank! Whether you’re trying to lower your monthly expenses or want to ensure good value, understanding what drives the cost of your premiums is the first step. Let’s take a closer look at how personal insurance rates are calculated and what...
Will My Homeowners Insurance Cover My Home Business?
Posted: July 19, 2025
Running a business from the comfort of your home is incredibly convenient, but it also raises questions about insurance coverage. While homeowners' insurance can offer some protection, it may not fully cover home-based business activities. Understanding the limitations of your policy and exploring additional coverage options to help protect your business from unexpected losses. What Are the Limitations of Homeowners Insurance? A homeowners' insurance policy...