Back to Basics: Insurance 101

If you run a small business, protecting your assets and operations is critical. One insurance option you’ll often hear about is a Business Owners Policy (BOP). But what exactly is a BOP, and how do you know if it’s right for your business? In this post, we’ll break down what a BOP covers, how it works, and whether your business could benefit from one.

When you file an insurance claim, your insurance company may step in, pay for your damages, and then go after the responsible party to recover what they paid. This behind-the-scenes process is called subrogation, and while you may never directly deal with it, it can affect your deductible and even your premium over time. Let’s break it down.

Life is full of unexpected moments, and while standard insurance policies like auto and homeowners are essential, they don’t always offer enough protection. That’s where umbrella insurance comes in. Think of it as a safety net that catches you when your other coverage reaches its limit.

When shopping for insurance whether it's auto, home, health, or another type, one term you’ll see over and over again is “deductible.” So what exactly is a deductible, and how does it impact your coverage and costs? In this post, we’ll break down what deductibles are, how they work, and how to choose the right deductible for your needs.

Running a business comes with risks, and having the right insurance coverage is essential to protecting your company from financial losses.

Surplus lines insurance is a type of coverage provided by non-admitted insurers

When shopping for homeowners insurance, you may come across different policy types labeled HO-1 through HO-6. Let's review the difference.

Insurance is an essential part of protecting yourself, and your family. But if you’re new to the world of insurance, it can be overwhelming.

When you purchase a homeowners insurance policy, you may come across the term "named perils." But what exactly does that mean?