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Thursday, January 28, 2021

Can Motorcycle Insurance Make You an Easy Rider in Florida?

 By Catherine Powell

One of the reasons so many people move to Florida is due to the warm weather.  You’ll never have to shovel snow in the Sunshine State.  Because the weather is so pleasant, motorcycles can be ridden year-round.  Whether you bring your bike here or are considering purchasing a motorcycle, you should be aware of the laws and insurance coverage that pertains to them.

Thursday, January 21, 2021

Can BOP Keep Your Business from Getting Bopped?

 By Catherine Powell

Running a business isn’t for sissies.  That’s because there’s precious little that’s free in a free-market economy.  Everything from rent and payroll to advertising and inventory add up.  Then there are unforeseen situations that can stop a business in its tracks, like distribution bottlenecks and a little thing called COVID-19.  If all that wasn’t enough, there are dozens of ways that you and/or your business can be held liable.  Slip and fall accidents, worker’s comp issues, and errors & omissions can land you in court.  While general business liability insurance can protect you against these situations, it’s not all-encompassing.  Typically, this means you’ll also need to purchase a commercial property policy to cover your building and its contents from fire, theft, or acts of God.  The alternative is to purchase a policy that combines both.  It’s known as a Business Owner’s Policy, or BOP.

Thursday, January 14, 2021

Is Basic Homeowner's Insurance Basically Inadequate?

 By Catherine Powell

Owning a home is for many of us the single biggest investment we’re likely to make.  Even if you only own a 1-bedroom condo or starter home, you probably want to make sure that it and everything contained therein is protected against any unforeseen calamity.  Should a fire, storm, flood, or other act of God damage or destroy your home, wouldn’t it be nice to know that your policy will be sufficient to repair or rebuild it to the current building codes?  You bet it would.  Wouldn’t it also be a blessing if you were able to replace all the furnishings as well as your possessions if you were the target of thieves or a pipe broke only to cause major damage inside your dwelling?  You better believe it.  If all you currently carry is basic homeowner’s insurance, you could find that you have less protection than you really need.

Wednesday, January 6, 2021

If Your Kid is in College, You Need to Read This

 By Catherine Powell

It’s a bittersweet thing when your child goes off to college.  On one hand, it’s a right of passage.  On the other, it can leave a void in any parent’s life.  Other than waiting for Spring Break to have your college student return to the nest laden with laundry, there is something else I’d like to suggest you do to help while away the time.  That’s because even though your grown child no longer lives under the same roof, he or she is anything but independent.  Even more important than helping them pay their way through college is for every parent to make sure that their needs are met.  One of those needs concerns insurance. 

10 Ways to Keep the Ghost of COVID-19 from Killing Your Halloween Spirit

  By Catherine Powell        With Halloween just around the corner, I thought I’d take the time to cover ten ways you can keep you and you...