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Why You May Need "Private Client" Insurance Policies Instead of "Mainstreet" Insurance Policies.

Why You May Need “Private Client” Insurance Policies Instead of “Mainstreet” Insurance Policies.

Insurance can be complicated, especially when it comes to high-net-worth individuals and families.

Some questions to ask yourself:

Is your home(s) insured to value?

Do you have adequate insurance for your collections?

Is your family trust covered under your insurance?

Are you protected when serving on the board of your local non-profit?

Do you have adequate insurance limits to protect your net…

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The National Flood Insurance Program.....

The National Flood Insurance Program…..

The National Flood Insurance Program (NFIP) — set to expire September 30th — has been extended by three months to December 8th. The extension came about as part of H.R. 601 which raises the debt limit and keeps the federal government funded through that same date.

Included in the resolution is $15.25 billion in emergency funding for disaster relief and for rebuilding after Hurricane Harvey. That…

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7 Other Kinds of Insurance You May Need to Buy for Your Home

By Dan Rafter

Homeowners insurance provides plenty of protection for your residence. If a fire destroys your home, your insurance will help you rebuild. If a thief breaks in and steals your electronics, your policy will help you replace the stolen items.

But a standard homeowners insurance policy doesn’t cover everything that could go wrong with your home. That’s why you should investigate…

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More on Teen Driver Safety

For a teenager, few things are sweeter than a sixteenth birthday. The opportunity to become a licensed driver is a rite of passage for any child. As a parent, however, this is an unnerving milestone. Consider these facts from the National Highway Traffic Safety Administration:

The greatest risk of traffic crashes is among teenage drivers

The traffic accident rates for 16 – 19 year old drivers are…

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How To Prevent Water From Damaging Your Home

Prevent water from damaging your home

Excluding catastrophes, water causes more damage to American homes than fire, thunderstorms, and theft.1 About one in 55 insured U.S. homes has a water damage or freezing claim each year.2 The damage to your home can be severe—whether it’s an old water heater waiting to spill into the basement, a slow leak from a shower valve behind a wall, or an exposed…

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#waterdamage orlandofrasca

Trump FEMA chief supports cutting coverage for flood-prone homes

(Bloomberg) — President Donald Trump’s emergency management director said he’s pushing for an overhaul of disaster relief so that states, cities and homeowners bear more of the costs, and less of the risk falls on the federal government.

Brock Long, who was confirmed in June as the administrator at the Federal Emergency Management Agency, said taxpayers shouldn’t be on the hook for homes that…

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How can tech make people safer from flooding in their homes?

You wouldn’t drive a car without car insurance … so why gamble with the entire value of your home, a much larger family investment, by not having flood insurance if you live in a flood zone?

The penetration rate for flood insurance in the United States is dangerously low, putting the American taxpayer at huge risk. Homeowners with federally-insured mortgages are required by law to obtain flood…

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Surplus Lines Could Meet Your Insured’s Flood Coverage Needs By: Norma Essary

The National Flood Insurance Program (NFIP) has been the topic of much debate in recent years, especially with the program set to expire on September 30.

The NFIP is administered by the Federal Emergency Management Agency and is available to property owners in areas that have opted-in for NFIP coverage, which include more than 20,600 U.S. communities, according to benefits.gov. Coverage limits…

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Here’s How to Keep Teens Safe When Driving

Establish a Pre-start Car Routine

Before starting the car, adjust mirrors and driving position and be sure that everyone in the vehicle fastens their safety belts. Whether it’s perceived peer pressure or a feeling of invincibility, teenagers generally wear seatbelts less than any other group. So make seatbelt use a priority and a condition that must be met for your teen to drive.

Practice.…

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Teen Driver Safety Tips for Summer !

Now that I am only 6 weeks away from having a Teen driver….I found this useful……. Road Trip Safety Tips for Teen Drivers…… As only a parent can understand, it’s difficult to relinquish your car keys to your teen driver and let them go off on their own, but you also don’t want to hinder their growth and independence. If you decide that your “baby bird” is responsible enough to leave…

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#orlandofrasca #teendriver #teendriverinsurance

Small Business Owner? 6 Reasons Why You Should Hire Your Child

Are you paying your kid to work for your business? You’re not? You should.

No, I’m not saying you should put your four-year-old behind the receptionist desk to take calls. Or ask your middle-schooler to assist you in surgery. But if you have a teenager, you should strongly consider putting him or her to work. The benefits are enormous. Here are six.

Your child can develop a work ethic. You can…

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#smallbusinessinsurance

How to Start a Small Business in All 50 States

No business is untouched by red tape. That’s especially true when you’re starting a small business. You may have your business concept and plan prepared. You may already have your eye set on a prime office location and have done your homework on which small business insurance to choose. But before you can make your mark, or even earn a dime, you’ll have to get better acquainted with a few forms…

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Tenants, dogs and dog bites: What’s covered?

Question. The insured owns a rental home that is insured on a Dwelling Fire policy. The liability for the rented home is endorsed to the Dwelling Fire policy. The tenant of the rented home is the insured’s adult son. The adult son owns a dog that bit another individual. How do you see liability coverage, if any, applying in this situation? The Dwelling Fire liability policy has the following…

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Part 2 on are you sure your Homeowner's insurance covers you for this.........

Part 2 on are you sure your Homeowner’s insurance covers you for this………

WATER: Coverage is thinner than you think.

A shower pipe bursts behind the bathroom wall — you’re covered, right? Maybe not.

In the past decade insurers have scaled back significantly on covering that cracked pipe, leaky toilet, and clogged drain. Water coverage began getting less generous after a jury in a 2001 Texas lawsuit involving toxic mold awarded a family more than $30 million (later…

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Homeowners Insurance: Covered? Don't Be So Sure

Homeowners Insurance: Covered? Don’t Be So Sure

This is a rather timely subject, this excerpt originally written, by Lisa Gibbs back in 2013, very much applies today to the Homeowners insurance issues plaguing clients.

THINK YOUR HOMEOWNERS INSURANCE PREMIUMS ARE BAD? WHAT YOU’ VE REALLY GOT TO WORRY ABOUT IS THE GAPS IN YOUR COVERAGE THAT COULD LEAVE YOU ON THE HOOK FOR MAJOR REPAIR COSTS.

Bought or renewed a homeowners insurance policy…

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#homeinsurance #houseinsurance #insurance #propertyinsurance

CAB Usage in Trucker Insurance, Tow Truck Insurance, HotShot Insurance

Here is some helpful information provided by Orlando Frasca and why you may be having issues with insurance.

After reading this quick “info-at-a-glance”, call us at 1-800-747-5311 about your particular situation or visit:

www.MyBigRig.com

www.MyTowTruck.com

www.FastAndEasyPilotCarInsurance.com

Your transportation underwriter’s favorite word probably isn’t “no.”

Finding cover for an experienced…

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#bigriginsurance #hotshotinsurance #pilotcarinsurance #towtruckinsurance #truckinsurance

Tow Truck Insurance Prices are Skyrocketing...and How We are Helping Tow Truck owners....

Tow Truck Insurance Prices are Skyrocketing…and How We are Helping Tow Truck owners….

Tow Truck Market Gets Hit Hard as Carriers Exit Market

Tow truck drivers operate in a dangerous world. Every day they face angry drivers while repossessing vehicles, dangerous driving and road conditions, near misses while operating heavy equipment, and close calls on U.S. freeways while hitching up wrecked vehicles.

These are just a few of the reasons why the tow truck market is in a…

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#towtruck #towtruckinsurance

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