Earthquake Insurance, Sinkhole Insurance & More

Words and their usage impact our daily lives. As a kid, my mother would on a regular basis reminding me to watch my P’s and Q’s. This was not a suggestion to be on my best behavior. It was a threat that even the slightest slip in my manners would have severe repercussions. What and […]

Definition: Earthquake Insurance

What is earthquake insurance? Earthquake: A term used to reference the movement of two tectonic plates along a fault line. The tectonic plates move past each other at a slow pace building up stress along the way. This continues until finally, the plates slip, releasing enormous amounts of seismic energy. This energy then results in […]

The Commercial Property Policy

No matter the size or type of business, tangible property is a major asset. A national standard for insuring such property is the Insurance Services Office (ISO) Commercial Property Program (CPP). The CPP may be written as a single policy (covering only buildings and property) or as a package that provides property, liability and, other […]

The Businessowners Policy

If you own and/or run a smaller business, your insurance needs may be properly handled by a business owners policy (BOP). A BOP is a single form that offers both property and liability protection. Retailers, wholesalers, small contractors, artisan contractors, dry cleaners, restaurants, offices and convenience stores (including those with gas pumps) are eligible for […]

Commercial Insurance

Commercial insurance is defined as: The definition of business insurance will likely vary depending on who you ask. The explanation may even change depending on how you ask it. It goes by a lot of names. You may hear it called many things. Business insurance, commercial business insurance or property & casualty commercial insurance. TruePoint […]

Benefits of working with a Kentucky Insurance Specialist

What color is your umbrella? In today‚Äôs world, when it comes time to buy insurance, you will find that you have a range of options.  The challenge is learning to optimize them to meet your own unique constraints and objectives.   Individuals and businesses seeking Kentucky Insurance need to develop a thorough understanding of their insurance […]

Who will require me to have condo insurance?

America has been called the land of opportunity. It has allowed an unthinkable number of individuals the chance to amass fame and fortune. For many, the first step towards success was the purchase of a home. Although your grandparents may not recognize it, the American dream is still alive. Like most other facets of life, […]

Homeowners Coverage

Generally, a homeowners insurance policy includes at least six different coverage parts. The names of the parts may vary by insurance company, but they typically are referred to as Dwelling, Other Structures, Personal Property, Loss of Use, Personal Liability and Medical Payments coverages. They are usually presented as policy sections and are often labeled Coverages […]

Personal Auto Coverages

Most state financial responsibility laws require proof that you are able to pay for any damage or injury you may cause while driving. Auto insurance is the way that most people comply with these laws. Typically compliance only takes liability insurance at some minimal limit that varies by state. Liability¬†coverages¬†include the following: Bodily Injury Liability¬†‚Äď […]