Blog | Ownby Insurance Service

a flooded field with fall foliage colors on the trees

Fall Flood Insurance Risks: Why the Right Coverage Matters Most This Season

As autumn arrives and leaves begin their colorful transformation, many homeowners focus on seasonal preparations like winterizing their homes and clearing gutters. However, one critical aspect often gets overlooked: flood insurance risks coverage. Fall presents unique flooding challenges that can catch property owners off guard, making this season particularly important for evaluating your flood protection. […]

a patient exits a non-emergency transport vehicle

Insurance for NEMT Companies: Protecting Your Business and Patrons

Running a non-emergency medical transport (NEMT) company means taking on unique responsibilities. You’re not just moving people from point A to point B – you’re caring for vulnerable patients who depend on safe, reliable transportation to reach medical appointments that could impact their lives. This specialized role comes with distinct risks that standard business insurance […]

Insurance Risks Every Dental Practice Must Know

Operating a dental practice can be an impactful and rewarding career, but it comes with its fair share of challenges and vulnerabilities. Having the right dental practice insurance coverage for your dental practice is not just a legal or business formality – it’s a vital safeguard for your practice’s longevity and reputation. From malpractice claims […]

a person surrounded by smoke from a kitchen fire

Understanding Insurance Risks for Property Managers

Managing properties comes with a unique set of responsibilities and risks. Whether you’re overseeing residential units, commercial spaces, or mixed-use properties, unexpected issues can arise, from legal disputes to natural disasters. Without adequate insurance and proactive risk management, these challenges can quickly become costly problems. Let’s review some of the key insurance risks for property managers, […]

What Are the Evolving Risks for Vacation and Cabin Rentals?

Vacation and cabin rentals continue to grow in popularity, with platforms like Airbnb and Vrbo making short-term stays more accessible than ever. However, as the industry grows, so does the complexity of its risks for vacation and cabin rentals. Property owners face a range of challenges, from natural disasters to liability concerns, necessitating robust insurance […]

a golden retriever is examined by a veterinarian

Veterinary Clinic Insurance: Essential Coverage for Common Risks

Running a veterinary clinic or animal hospital comes with numerous rewards – it’s a unique opportunity to provide care for animals and support pet owners. However, like any business, veterinary practices face various risks that can significantly impact their operations if not properly managed. From liability concerns to employee safety, understanding and mitigating these risks […]

Risks to Ponder When Considering Insurance for Alarm Installers

Alarm installers, whether operating in residential or commercial markets, play a vital role in ensuring safety and security. However, the work they perform and the services they provide expose them to a wide range of risks. Without proper insurance for alarm installers, these risks can have significant financial and legal implications, potentially jeopardizing the long-term […]

A Homeowner’s Guide to Additional Living Expense Insurance

Life can be unpredictable, it’s one of the many reasons that insurance is necessary. But as a homeowner, it’s also essential to prepare for the unexpected. Whether it’s a fire, flood, or storm that temporarily renders your home uninhabitable, knowing your insurance covers more than just repairs can provide significant peace of mind. This is […]

a person dangles from a zip line high above the ground

A Guide to Insurance Coverage for Zip Line & Aerial Attractions

A zip line attraction brings excitement for your customers – and likely for you as well. However, it also carries significant risks. From ensuring customer safety to protecting your property and equipment, having the right insurance coverage is essential. With this guide, we’ll walk you through the key considerations for insuring your zip line or […]

an auto parts store clerk speaks with a young woman

Are Cheaper Small Business Insurance Policies Leaving You Exposed?

The economy has some uncertainty that is leaving many feeling like they need to reconsider their business expenses. Cutting costs might seem like the smart thing to do, however, when it comes to small business insurance, opting for a cheaper policy can leave your business vulnerable to risks you might not even be aware of. […]