Entries by kingsgateinsur

Home Repairs That Can’t Wait

Many homeowners experience the reality of a growing to-do list without the time or resources to get everything done. As issues pop up, we are faced with deciding whether to act right away or add the project to a list of things to fix later. Our decision on what can wait and what must be […]

Post-storm responsibilities for building owners and landlords

If you own a small business, thunderstorms and other natural disasters can cause significant disruptions. If you lease or own a building, do you know who’s responsible for repairing the damage after a storm occurs? Knowing this ahead of time can ease the recovery process. The lease language can dictate whether the tenant or landlord […]

Crop Insurance 101: Crop-Fire Coverage

A Crop-Fire policy is a type of crop insurance policy that provides coverage for damage to crops caused by fire. Here are some of the characteristics of a Crop-Fire policy: It’s important to note that Crop-Fire policies may not provide coverage for all types of damage to crops, such as damage caused by weather events […]

Springtime Self-care Ideas

Spring is the season of growth and renewal, an opportunity to rediscover and prioritize the best version of yourself. Self-care in the spring involves embracing the energy of the season and adopting habits that promote vitality and inner balance—practices that are key to maintaining robust physical, emotional and mental well-being. Self-care is about taking care […]

Scheduled Versus Blanket Limits for Commercial Property Insurance

Commercial property insurance is an essential form of coverage for any organization. Such a policy can provide much-needed financial protection if an organization’s commercial building or its contents are damaged or destroyed by covered perils (e.g., fire, theft, vandalism, wind and lightning). Specifically, this coverage can help reimburse property repair or replacement expenses when these […]

Do you know how insurance covers your fence, deck, and swimming pool when Mother Nature damages them?

Warm spring days are a nice preview of what’s to come as we approach summer. However, spring weather is also very unpredictable. Temperatures fluctuate between warm and cool. A stretch of nice sunny days can be followed by wet stormy days. Lightning, wind, rain, and hail can cause damage to your property very quickly. Even […]

Preventing Carbon Monoxide Poisoning in Businesses

Carbon monoxide (CO), a colorless, tasteless and odorless poisonous gas, is a byproduct of the incomplete burning of carbon-containing material. This gas can quickly accumulate in areas where employees work, even if the space appears well-ventilated. Exposure to CO can cause serious health problems and even death. Considering these hazards, it is essential that businesses […]

The Importance of STD & LTD Coverage          

As we enter Disability Insurance Awareness Month (DIAM) this May it is crucial to highlight the significance of disability coverage. Short-Term Disability and Long-Term Disability serve as a lifeline for employees facing unexpected health challenges, ensuring their financial stability and peace of mind during difficult times. It provides a safety net by replacing a portion […]