Category Archives: Insurance

Who Needs Errors and Omissions Insurance?

Errors and omissions insurance (E&O) is a type of professional liability insurance that protects companies and their workers, or individuals, against claims made by clients for inadequate work or negligent actions. Errors and omissions insurance often covers both court costs … Continue reading

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“Do I Really Need Flood Insurance?”

Floods are the nation’s most common and costly natural disaster and cause millions of dollars in damage every year. Floods cost America, on average, $8.2 billion each year (according to 2015 data). Whether people end up having to repair or … Continue reading

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“Did I Tell You I Have a My Own Business at Home?”

As an insurance agent, you want to make sure that your clients have the coverage for every foreseeable loss that could affect their financial future. Most people know they should have homeowners, renters, or auto insurance, but they might not … Continue reading

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What is a Work-Related Injury?

Workers’ compensation benefits are provided if the injury, death, or disease arises out of and in the course of employment. Where coverage applies depends on where the employee works. If an employee has a fixed place of employment, benefits will … Continue reading

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Long-Term Care Benefit Triggers

When LTC policies were introduced, insurers frequently required at least three days of prior hospitalization or skilled nursing home stays before the LTC policy benefits were “triggered.” Although most LTC policies require a physician’s certification that nursing home care is … Continue reading

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