As a college student, moving into your first apartment or dorm can be an exciting milestone. It’s a step toward independence, but it also comes with new responsibilities. One of the most important, yet often overlooked, aspects of this newfound independence is securing renters insurance. Here’s why college students should consider investing in this essential […]
Imagine a scenario where a severe storm damages a barn that houses dairy cows. The barn is uninhabitable, and the farmer needs to rent a nearby facility to house the cows temporarily. The cost of renting the facility, transporting the cows, and any additional labor required to manage the cows at the new location would […]
Carbon monoxide (CO) is a colorless, tasteless and odorless poisonous gas that is a byproduct of the incomplete burning of carbon-containing material. It 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 fatalities, so business owners must take steps to […]
Contrary to its name, inland marine insurance does not relate to the ocean or waterways; rather, it can help reimburse losses stemming from an organization’s products, materials and equipment getting damaged or lost due to covered perils that occur while these items are being transported over land (e.g., via van, truck or train). Such coverage […]
Already thinking about the 2025 crop? Consider Margin Protection coverage to protect against decreases in operating revenue. Chelsea Heatherington at Kingsgate Insurance discusses the basics of Margin Protection with guest Adam Powers in the video below. Pros: Higher coverage levels and protection factors Subsidy support Protection against margin decline Earlier price discovery period Cons: September […]
In today’s increasingly litigious society, stakeholders are holding organizations more accountable for their poor decisions and wrongdoings, whether actual or alleged. When these incidents involve certain employment actions or contribute to a hostile work environment, they may result in costly lawsuits, ultimately leaving impacted organizations with significant legal expenses. Fortunately, that’s where employment practices liability […]
When it comes to protecting your most significant investment—your home—having the right insurance coverage is crucial. However, understanding your home insurance policy can be daunting, with its legal jargon and detailed clauses. This blog aims to demystify the process and help you grasp what your policy covers. 1. Understanding the Basics A home insurance policy […]
As we move through the growing season, it’s crucial to prepare for the unexpected. One significant risk we face is hail damage. Understanding your options for hail crop insurance coverage can make a big difference in protecting your livelihood. In this edition of our newsletter, we will delve into the types of hail insurance policies […]
Filing an insurance claim can seem daunting, especially during stressful times when you need to use your coverage. Whether it’s for health, auto, home, or any other type of insurance, understanding the process can help ensure your claim is handled smoothly and efficiently. This guide will walk you through the general steps to file a […]
