Learn all there is to know about insurance.
We live in a world where personal risk exposures are higher than they’ve ever been. Whether you’re a homeowner or a renter, understanding the importance of a personal umbrella policy (PUP) can protect you from the unexpected. The Growing Landscape of Personal Risks Increased Lawsuits The frequency of lawsuits has been steadily climbing, catching many […]
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When it comes to insurance, property managers and residential building owners often focus on general liability and property coverage. While these are crucial, there are additional risk exposures that need to be addressed. Here are four important types of coverage you might be overlooking: Errors & Omissions (E&O) Coverage What is it? Errors & Omissions […]
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If you are a vacation rental owner, cabin rental owner, or rental property owner, understanding the current trends in the insurance market is essential to managing and protecting your investment. The landscape in 2023 is shaped by a series of challenges and shifts that are important to consider when evaluating your insurance options. Here’s a […]
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Natural disasters can strike without warning, causing immense damage and disruption. For homeowners, commercial building owners, property managers, and real estate investors, understanding how to reduce risks and prepare for potential impacts is not only important for your investment – it’s important for safety. And while they can’t be completely prevented, the impacts from disasters […]
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It’s a reasonable question to ask. If I am looking at a home insurance policy with insurance company A versus one with company B – shouldn’t they offer the same coverage? Isn’t cost the determining factor in the difference? The answer, however, is much more complicated. Insurance companies in Tennessee file policies and rates with […]
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As a business owner or manager, you have enough to worry about without safety incidents impacting your team and what you do. That’s why it is so important to have proper safety procedures and risk management efforts in place – and to train your team on those policies. And while it may be common sense […]
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A hurricane in Florida. A flood in New York. A wildfire in Colorado. What do any of these have to do with Tennessee’s insurance rates? It would be easy to say, “Oh, that’s just the insurance companies charging us for money they had to pay for other claims.” However, it goes much deeper than that, […]
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We are lucky to have many charities and nonprofit organizations that serve a vital role in our communities. The services and resources they provide can be a lifeline of support for thousands of people. But even organizations with the best intentions, missions, and goals have risks to consider. As you’d imagine, liability, workers’ comp, property, […]
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Owning a business is a lot of work. It often involves managing people, making decisions, keeping track of many things at once, marketing, selling, and a slew of other tasks. When it comes to insurance, most business owners don’t have the time or resources to seek out what they need on their own. They rely […]
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Total Insurable Value (TIV) [sometimes called Total Insured Value] is the complete value of property, inventory, equipment, and business income covered by a company’s insurance policy(ies). Should one insurance company be the insuring carrier for all these policies, it is the maximum amount that they would pay out if there were a covered actual total […]
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