Learn all there is to know about insurance.
Article Overview: Assessing insurance risk for short-term rentals means evaluating property location, occupancy patterns, liability exposure, and natural hazards specific to the area. In regions like the Smoky Mountains, western North Carolina, and southwest Virginia, insurers must weigh wildfire risk, flooding, remote access for emergency services, and high guest turnover when pricing and underwriting cabin […]
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Article Overview: Construction bonds protect project owners by guaranteeing contractors meet their financial and contractual obligations. Before securing one, contractors should understand bond types, qualification requirements, costs, the role of surety underwriters, and the added complexity of government or infrastructure contracts, which often carry stricter bonding thresholds. Government agencies and municipalities don’t hand out infrastructure […]
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Article overview: The cheapest insurance policy isn’t always the best value. Coverage limits determine your maximum payout, deductibles affect what you pay out-of-pocket before coverage kicks in, and exclusions reveal what’s not covered at all. Evaluating these three factors together gives a clearer picture of true value than price alone. A low premium can […]
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Article overview: To get a surety bond quote, you’ll typically need your business and personal financial information, details about the bond type and required amount, and information about the project or license requiring the bond. Specific requirements vary by bond type – bid bonds need project details, while fidelity bonds need employee counts and payroll […]
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Article Overview: The Non-Emergency Medical Transport (NEMT) market is expanding rapidly, bringing with it a distinct set of insurance risks – from liability exposure and driver compliance to fraud and regulatory complexity. Insurance professionals entering or operating in this space need specialized coverage strategies to stay ahead. At Ownby Insurance Service, we’ve developed deep expertise […]
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Article Overview: Dental practice owners face a distinct set of risks – from malpractice claims and data breaches to equipment failures and employee injuries. The right dental practice insurance program combines professional liability, general liability, property, cyber, and workers’ compensation coverage to protect the business from financial loss. Working with a specialist like Ownby Insurance […]
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Article Overview: When acquiring a business, you need to audit the seller’s existing policies, understand coverage gaps, evaluate Extended Reporting Period (ERP) coverage, and secure new policies before the deal closes. Missing this step can leave you personally exposed to claims that predate your ownership. Buying a business is one of the most significant financial […]
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Article Overview: Seasonal risks in East Tennessee – from spring floods and summer wildfires to fall windstorms and winter ice – can expose gaps in your insurance coverage. Reviewing your policies each season ensures you’re protected against the specific hazards that Sevier County residents face throughout the year. Most homeowners and renters purchase a policy […]
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Article Overview: Business liability risks are growing more complex in 2026, driven by cyber threats, AI-related employment claims, climate events, and tightening regulations. According to the Allianz Risk Barometer 2026—a survey of 3,338 risk management experts from 97 countries—cyber incidents, artificial intelligence, and business interruption rank as the top three global business risks this year. […]
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Article Overview: The best insurance policy depends entirely on your personal risk profile—your health, assets, lifestyle, and financial situation. A policy that’s perfect for a 25-year-old renter with no dependents is likely inadequate for a 50-year-old homeowner with a family. Matching coverage to your specific risks is the only reliable way to avoid being over-insured, […]
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