What is the difference between D&O and E&O Insurance?

July 19th, 2017

 When you’re doing business, it’s always prudent to carry the proper liability insurance to protect yourself and your business. Almost anybody can be sued, and defending yourself in court for allegations of negligence or misconduct, whether there is any merit to the claims or not, can be a costly proposition. Even settling out of court […]

Why Everyone Is Starting to Buy Earthquake Insurance in California

July 12th, 2017

 It’s not widely known, but smart homeowners are starting to buy earthquake insurance in California. Contrary to what an outside observer might expect, conventional wisdom in California has been that earthquake insurance is a bad bet. Most homeowners did without, even knowing that a major earthquake could spell disaster for what for many is their […]

Should My Insurance Cover Market Value or Replacement Cost?

July 3rd, 2017

 When you’re insuring your home, you may have the option of selecting between insuring your property for market value or for replacement cost. Which is the right choice? The first step to answering this question is to understand the difference between the two terms.Market value is the amount someone would pay to buy your property […]

Is Flood Insurance Worth It?

March 30th, 2017

 A lot of water in the right place is a great thing. The ocean, a lake, a swimming pool. Those are enjoyable places to take refuge in. But, what happens when a large amount of water goes where it doesn’t belong? Things can get bad real fast. Water can wreak havoc on a property—often with […]

Can I Do Business Without Errors and Omissions Insurance?

March 23rd, 2017

 When budgets are tight, it’s easy to second guess a business expense that’s not of immediate use. This is especially true with certain types of coverage, such as Errors & Omissions (E&O) insurance that’s designed to protect against accusations of negligence or the failure to perform your professional services. It’s easy for some small businesses […]

Insurance Myths – Am I Covered?

March 15th, 2017

 When it comes to insurance, what you don’t know can hurt you. Even conscientious consumers who think they’ve covered their bases can find out, at the exact wrong time, that their coverage is insufficient.Here are some common myths, nightmare scenarios that they could lead to, and how to avoid them.Myth #1: I met with my […]