Blog

Informative articles on insurance, safety and risk for you, your family or your business. Each article includes a link for you to share with anyone who may benefit.

Back to School Insurance Checklist for Parents

TUE | SEP 28, 2021

You might not be heading back to the classroom, but back to school time is the perfect occasion to check lists, buy new, and start over.

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The Important Questions to Ask When Buying a New Home

THU | SEP 16, 2021

As the pandemic housing market booms, many home buyers are entering the market for the first time, and are facing very expensive options.

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Ways to Take Care of Your Roof to Avoid Costly Insurance Claims

WED | SEP 15, 2021

A roof is probably the most important feature of your house but the one you’d least like to pay a lot of money for.

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Will Buying a New or Used Car Be More Likely to Increase My Insurance?

TUE | SEP 14, 2021

New and used cars are currently going fast in this market, as the pandemic causes a shortage in computer chips.

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How to Build Professional Relationships at Work in a Hybrid Environment

FRI | SEP 10, 2021

As more workers return to the office, one thing is certain: the way workplaces around the world operate will never be exactly the same as before the pandemic.

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Physical Activities Your Whole Family Can Do Together

FRI | SEP 03, 2021

Finding opportunities to get exercise when you’re in charge of a household can be challenging.

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How to Take Care of Your Pandemic Pet if You’re Going Back into the Office

FRI | AUG 27, 2021

Never has a dog been more of a human’s best friend than during a pandemic.

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3 Questions Homeowners Should Be Asking Themselves

WED | AUG 25, 2021

Living through a pandemic changed us. It changed our approach to personal wellness, our work environments, our shopping habits, and our overall economy.

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How to Have Healthy Relationships with Friends or Family When You Disagree

FRI | AUG 20, 2021

Many people find it challenging to have conversations and relationships with people they disagree with.

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Plants that Can Thrive Indoors — And Help You Thrive, Too!

TUE | AUG 17, 2021

If you’ve ever marvelled at friends who talk about their house plants as though they were their pets, then perhaps you’ve never had one.

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How to Build Friendships after a Pandemic

FRI | AUG 13, 2021

If you haven’t kept in touch with all of your friends during the pandemic, you’re not the only one.

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Chemical-Free Ways to Eliminate Odors in Your Home

FRI | AUG 06, 2021

There are natural deodorizers that you likely already have in your home, and are not filled with toxins, to help you combat these unwanted odors.

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Why Being a Good Friend is Good for Your Health (and Your Friend's!)

MON | JUL 26, 2021

Research would argue that friendship is actually incredibly important to your health and well-being.

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Ways to Keep Your Memory Sharp with Age

THU | JUL 22, 2021

We need to take care of our minds in a similar way to how we take care of the rest of us, from sleep to exercise to a healthy diet to having a purpose in our days.

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The Healing Power of Nature

MON | JUL 19, 2021

Why you should make it a habit to get outside this summer.

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How to Prevent Pickpocketing During Travel

WED | JUL 14, 2021

When you’re on vacation, the last thing on your mind is likely the uncomfortable thought of getting your belongings stolen.

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How to Decide if You Should Buy a New or Used Car

FRI | JUL 09, 2021

The best decision is the one that works for you, your goals, and your budget. Here are a few things to consider when trying to make that very important choice.

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How to Keep Pests Out of Your Backyard Garden

THU | JUL 08, 2021

The Pacific Northwest is home to many animals that love enjoying a tasty snack in the backyard. And no, we’re not just talking about humans.

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Checklist for Leaving Your Home Safe & Secured on Vacation

TUE | JUL 06, 2021

It’s well worth your time to make sure that your home is going to be safe and secured before you depart on vacation.

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DIY Backyard Games You Can Do at Your Summer Gathering

SAT | JUL 03, 2021

Knowing how to throw your own small backyard gathering with family and friends is an important life skill.

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Are Your Service Lines Covered?

FRI | JUL 02, 2021

Did you know that damage to pipes and service lines coming into your home are your responsibility?

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Apartment-living Tips to Keep Your Rental Home Damage Free (and get that security deposit back!)

THU | JUL 01, 2021

Whether you’re renting an apartment, condo, or house, you’ll want to make the space feel like your own.

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Protect Your Home from Water Damage with Seepage Protection

WED | JUN 30, 2021

Water seepage can lead to mold and mildew problems which is damaging not just to your property but to your family’s health.

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How to Keep Your Family & Home Safe During Firework Season

MON | JUN 28, 2021

Fireworks are best enjoyed at a safe distance, and should be handled with expertise and caution.

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How to Create a Welcoming Workspace

THU | JUN 24, 2021

You deserve to be comfortable in your office, and so should your employees.

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What to Consider when Choosing Health Insurance for Your Small Business Employees

MON | JUN 21, 2021

Whether you run a business with one employee or a couple dozen, picking a health insurance plan can be overwhelming.

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Want to Promote the Health of Your Employees?

THU | JUN 17, 2021

There’s an app for that.

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Five Tax Tips for Small Businesses

MON | JUN 14, 2021

As a small business owner, you’re acutely aware of how taxes can eat into your profitability.

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Insurers In Washington State Can No Longer Use Your Credit Score to Calculate Your Premium

FRI | JUN 11, 2021

The insurance commissioner for the state of Washington has issued a rule banning the use of credit scores when computing someone's insurance premium.

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Simple Steps You Can Take in Your Home to be a Good Environmental Steward

WED | JUN 09, 2021

It doesn’t take an environmental science degree to help take care of the Earth.

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Getting Married?

MON | JUN 07, 2021

Here’s How It Could Affect Your Financial Planning.

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Safeguard your health from wildfire pollution this summer

THU | JUN 03, 2021

For many Washingtonians, air pollution from wildfires has only increased in the past few decades.

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It’s Time to Rethink the Power Strip

TUE | JUN 01, 2021

If there’s one thing we can all say about the modern office – we’re definitely plugged in.

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Protect Your Home from Mudflow, Flooding, Mudslides and More in the Rainy Pacific Northwest

FRI | MAY 28, 2021

A traditional homeowner’s insurance policy would likely not cover the tremendous damage caused by mudflows, flooding, landslides or mudslides.

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How to Support Your Teen's Mental Health in Washington State

WED | MAY 26, 2021

The most recent data from the statewide survey found that Washington teens rank low on their behavioral health when compared to teens in other states.

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Connected Cars

MON | MAY 24, 2021

What Are They and How Will They Affect Your Future

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How to Reduce Your Exposure to Toxins in Everyday Products

FRI | MAY 21, 2021

When we’re considering buying products like furniture or cleaning supplies, the first thing we’re probably thinking of is price or quality.

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How to Prevent Car Theft

WED | MAY 19, 2021

Count yourself lucky if you’ve never had the misfortune of having your vehicle stolen.

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Are you up-to-date on Washington’s latest driving laws?

WED | MAY 12, 2021

Whether you took driver’s education courses two years or two decades ago, it’s important to stay up-to-date with driving laws, as they can be as variable as speed limit signs on I-5.

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Rethinking the office: What your workplace could look like post-COVID-19

WED | MAY 12, 2021

For many people, the past year has been spent building makeshift home offices in bedroom closets, children’s toy rooms, or semi-clean corners of the family junk room.

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How to Keep Your Finances Healthy (even when times are tough)

FRI | APR 16, 2021

In the midst of a global pandemic, we expect to be concerned about our health, but perhaps not necessarily about our finances, too.

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How to Find Meaning, Connection, and Health in Retirement

THU | APR 15, 2021

For some people, the age of retirement is the long-awaited starting point of meaning, a moment when they can cease spending hours working for a company and instead start choosing to spend their days as they like.

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DIY Backyard Improvements that are Sustainable for the Planet and Your Home

TUE | APR 13, 2021

As the warmer months approach, we could all use a backyard summer project. Consider improvements that will both beautify your home and the planet.

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A Cleaning and Maintenance Checklist to Protect Your Home’s Longevity

MON | APR 12, 2021

After spending much of the past year at home during the pandemic, our living spaces could use a bit of care and upkeep.

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Is the Middle of a Pandemic the Time to Turn My Passion Project into a Business?

THU | APR 08, 2021

The past year has been tough on businesses, especially small ones with little financial leeway to stay afloat amidst a global economic crisis.

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5 Tips to Remember When Trading In Your Car

WED | APR 07, 2021

We all get that itch to drive a new or newer vehicle. But before you start looking, start your research.

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Why Washington State Residents Should Consider Earthquake Insurance for the Big One

FRI | APR 02, 2021

If you’ve lived in Washington state for very long, you’ve heard that we’re due for an eventful earthquake that could hit 9.0 on the Richter scale, severely impacting the Pacific Northwest in a way we haven’t seen in our lifetimes.

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Why Getting Boat Insurance is More Important During the Pandemic Than Ever

WED | MAR 31, 2021

During a global pandemic, there are few places to venture by land that can feel very safe. That’s why many people are heading to the waterways.

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Some of the More ‘Explosive’ Insurance Claims in Washington State (And a Reminder to Check Your Gas Lines)

MON | MAR 29, 2021

Action movie lovers can expect to see at least one epic explosion scene where the hero escapes the chaos within an inch of their lives.

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Preparing Your Home for All Four Seasons of the Pacific Northwest

WED | MAR 24, 2021

One of the best parts of living in the Pacific Northwest is getting to experience all four seasons without too much extreme weather.

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How to Stay Mentally and Physically Well — and Give Your Health Insurance a Boost at the Same Time

MON | MAR 22, 2021

There are so many things to take care of in one day, it can be easy to forget that your body should be at the top of the list.

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How Practicing Gratitude Can Make a Difference in Your Health

FRI | MAR 19, 2021

Feeling thankful in the midst of a pandemic may sound like a tall order. On a personal and global level, we’re all experiencing a significant amount of stress and fear.

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From Property to Pets, Here’s the History of Insurance in the United States

WED | MAR 17, 2021

We can thank Benjamin Franklin for a lot of good inventions in American history, from libraries to the lightning rod.

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Feeling lonely? Taking Time for Friends Will Have a Good Impact on Your Health (And Your Insurance)

MON | MAR 15, 2021

While the COVID-19 pandemic didn’t invent the concept of loneliness, it can certainly feel that way.

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Become a Safer Driver and Improve Your Car Insurance Rates

TUE | MAR 09, 2021

When insurance companies sign up new members, they’re not just adding new people to their rosters.

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A Home Inventory List

WED | MAR 03, 2021

The average person owns 300,000 items. Three. Hundred. Thousand. Items.

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Earthquakes: Be prepared, Be insured.

THU | FEB 25, 2021

According to usgs.gov, nearly half of the fifty states experience at least one earthquake annually.

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Why You Might Need Artisan Contractor Insurance

TUE | FEB 23, 2021

Construction jobs involve a variety of general and specialized skills, usually overseen by the general contractor.

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Snow, Ice and Roofs

FRI | FEB 19, 2021

That makes for a great song title, but snow’s not as much fun when it’s piling on top of your roof.

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FAQ: Insuring Business Vehicles

THU | FEB 18, 2021

If your company owns vehicles used in the regular course of doing business, you likely need Business Auto Policy (BAP) coverage.

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What Is an Annuity?

TUE | FEB 16, 2021

Consumers have more and more financial tools at their disposal to help them save for their future, but one of the least known is an annuity.

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Call before you dig … yes, you!

THU | FEB 11, 2021

We’ve all heard the refrain…Call before you dig. You might think this is for construction workers or excavators. But it applies to you, too, even if you want to plant flowers in your front yard.

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Insuring Your Small Manufacturing Business

TUE | FEB 09, 2021

As a manufacturer, your business faces unique risks, and you may need specific coverages to protect your business activities fully.

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10 Ways to Add Home Security Without Breaking the Bank

TUE | JAN 26, 2021

The afterglow of the new year is a great time to reevaluate the security of your home and those new presents from the holidays.

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Winter Prep and Driving Tips + 3 Ways to Save Money

MON | JAN 11, 2021

The best way to save money on car insurance is to drive safely.

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Ordinance Coverage

MON | DEC 28, 2020

Every municipality sets its own city ordinances, and those are updated over time as safer products or techniques become available.

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Do you need professional liability insurance?

MON | DEC 28, 2020

If you work in a career in which your professional knowledge and training dramatically impact the lives of others, and you could be sued if someone alleges you provided terrible advice, you might benefit from professional liability insurance.

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How to Protect Yourself from Employee Lawsuits

MON | DEC 21, 2020

Lawsuits brought against employers by current or past employees, and even prospective employees who feel they were unfairly denied employment, have been rising in recent years.

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How to Insure Your Home-based Business

SUN | DEC 20, 2020

More and more of us work remotely from our homes, many of us establish full or part-time businesses based in our homes, and others may work elsewhere but still maintain a home office dedicated to our work.

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How to Keep Your Workplace Safe During the Winter

THU | DEC 03, 2020

If you own a business, you’ll want to make sure you’re prepared to provide a safe and hazard-free workplace during the winter months.

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Winter Prep & Insurance

THU | NOV 26, 2020

Running through a winter preparation list now can help you protect yourself, your home, and your property.

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Six Tips for Being a Successful At-home Worker

TUE | NOV 24, 2020

Whether you’re taking advantage of your employer’s remote worker policy, or you’re an entrepreneur or freelancer establishing a home office, it’s important to establish habits early that can help ensure your success.

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A brief overview of Inland Marine Insurance

THU | NOV 05, 2020

Inland Marine Insurance applies to goods and property transported by land, an extension of ocean marine insurance, which protects property transported by water.

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Know Your Rights as a Tenant

TUE | NOV 03, 2020

If you rent property from a private individual or management company, you may think they have all the power as the property owner, but that’s not the case.

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The Original Insurance – Ocean Marine

MON | OCT 26, 2020

Did you know that the first known form of insurance was created to protect ocean vessels and their cargo.

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Employee Spotlight: Nate Hopper

WED | OCT 07, 2020

Nate Hopper has been working at Sea-Mountain since 2014. In honor of his upcoming wedding this month let’s take an opportunity to get to know Nate a little better!

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Celebrate the Positive

SUN | SEP 13, 2020

Today marks Positive Thinking Day.

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Developing a Storm Preparedness Plan for Your Boat: Tropical Storms and Hurricanes

SUN | AUG 23, 2020

We continue to monitor devastating natural disasters across our country. In the last week we have seen derechos, destructive wildfires and now two tropical storms on a collision course in the Gulf of Mexico. Planning for these disasters have never been more important.

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Service and Community Preserve Alaska Salmon Fisheries

THU | AUG 20, 2020

At Sea Mountain Insurance, we're privileged to know and serve commercial fishermen in Alaska and Washington by placing insurance on their vessels.

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8 Ways to Stay Connected with Friends & Family Today

WED | JUL 29, 2020

Some of the most important commodities on this planet are our health, love, & happiness.

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Your Water Safety Checklist

FRI | JUN 05, 2020

It’s a good time to review this water safety checklist and take action now to keep you and your loved ones safe this summer.

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Equine Insurance Claims: Fact or Fiction?

WED | MAY 27, 2020

We’re horse people too and understand what you are feeling when your horse is injured or sick. We are happy to assist you in filing a claim to ease the stress of the situation.

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Equine Care Custody Control Coverage

WED | MAY 20, 2020

Care, Custody & Control is a secondary type of liability insurance added to your policy that provides coverage for the loss of a horse that is in your care, custody or control, but not owned or leased by you.

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Holding an Equine Event or Clinic?

FRI | MAY 15, 2020

Events and clinics are a great way to build community and a fun way to educate yourself and others.

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10 Ways to Keep Your Family Safe Around Water

FRI | MAY 01, 2020

Whatever your water fun preference, make sure you and your loved ones don’t end up as a statistic by following these ten water safety rules.

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Top Reminders for Teen Drivers

WED | APR 15, 2020

If there's one thing that research points out, it's that teens are, literally, the worst drivers. According to the CDC, motor vehicle crashes are a leading cause of death for teenagers, and the risk of motor vehicle crashes is higher among teens aged 16-19 than among any other age group.

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Top 5 Tax Saving Tips for Small Businesses

WED | APR 01, 2020

If you're a small business owner, every dollar counts, and tax preparation is no exception. The good news is that there are many ways for small business owners to maximize credits and deductions, and to find help and resources for preparation. Here are our top five tips for a stress-free tax season.

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The Hidden Costs of Connected Cars

WED | MAR 25, 2020

You get rear-ended at an icy intersection or sideswiped in a parking lot: an inconvenient, but manageable problem. You alert your insurance and contact your mechanic to discuss repairs. But if your car is a recent model, what comes next might be more involved than you anticipated.

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Wedding Season Tips

WED | MAR 18, 2020

Getting married this summer? Read on for ways that marriage affects insurance and other financial considerations to handle before tying the knot.

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How to Handle a Flat Tire (Almost) Like a Pro

WED | FEB 19, 2020

If you don't have the resources to handle it, a flat tire can ruin your plans, and sometimes, your day. But, under the right circumstances, anyone can safely change a tire. Here's what you need to know to be ready for a flat, how to change it yourself, and when to call for help.

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At Home: Keeping Appliances in Check

WED | FEB 12, 2020

How do you keep your appliances running their best, and getting a good return for your investment by having them work for as many years as possible? Here are a few tips to improve the performance and longevity of appliances.

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Tips for Achieving and Maintaining Good Credit

WED | FEB 05, 2020

We all start the New Year vowing to do better, with our health, our relationships, and of course, our finances. But how do you even begin to make improvements if your financial situation is far less than ideal?

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Corporate Responsibility

WED | JAN 22, 2020

A corporation's responsibility is to its shareholders and bottom line.

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10 Tips for Driving in a Snowstorm

WED | JAN 15, 2020

Even if you're used to it, driving on ice and snow can be nerve-wracking even during clear skies.

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Which Policy is Best for Your Business

THU | JAN 02, 2020

Starting your own business is inherently risky.

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Tips for Outdoor Lighting

WED | DEC 25, 2019

You put so much into the interior of your home, and maybe even its landscaping and outdoor spaces.

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End of the Year Insurance Checklist

WED | DEC 18, 2019

As the end of the year approaches, it's a good time to take inventory, reflect on the past, and make plans for future goals.

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Insurance Policies for Home, Recreation, Travel & More

WED | DEC 11, 2019

We've all got plans for the holidays and winter season: trips to take, winter activities to try, and the everyday to-do lists that don't stop just because the cold weather has arrived.

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Top 10 Tips to Make Sure Your Car is Winter Ready

WED | NOV 27, 2019

Make sure your automobile is up to the challenge by getting it winter ready.

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Bon Appetit: Holiday Food Safety

WED | NOV 13, 2019

The holidays are a time for potlucks, office parties, and food-related gifts. But how can you be sure that mystery casserole, fruitcake gift basket, or shrimp cocktail are safe to eat?

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Business Owners Policy

WED | NOV 06, 2019

Running a small business in Washington can bring daily challenges, from minor equipment breakdowns to staff or customer injuries; or damage to your building caused by a storm or break in.

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Brits, Beans, and Boats: How Underwriting Was Born

FRI | NOV 01, 2019

Coffee really is a wonderful thing. It tastes and smells heavenly, especially first thing in the morning. It enlivens us when we're sluggish, and bolsters our courage when we're timid. It sharpens our minds and makes our tongues more articulate.

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Healthy, Wealthy and Wise: Maintaining a Healthy Workplace

FRI | NOV 01, 2019

Many of us spend more time at work than we do at home. That's why it's important to ensure your work environment is a healthy one in which you and your employees are protected from potential dangers and safe from exposure to harmful chemicals.

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Home Health: Tips for Making Your Shelter Healthy

FRI | NOV 01, 2019

It's the place where we seek rest and respite from the demands of the workday and the outside world. It's where we spend quality time with friends and family. It's where we cook, eat, sleep, shower, and sit by the fire. It's home, and it really is sweet.

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Wacky Insurance | Insurance You Never Knew You Needed

FRI | NOV 01, 2019

With your auto insurance, life insurance, home insurance, health insurance, and business insurance, you're probably pretty confident you've got all your bases covered. No matter what might happen, you have a policy in place to offset any of the misfortunes that could befall you or your property.

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A New Lease on Life: Life Insurance

FRI | NOV 01, 2019

Last month's New Year celebrations had good cause; we have a chance to be grateful for the years behind us as we look forward to the years ahead. Chances are, as we clinked champagne glasses with friends and family, the idea of not being around to celebrate with them next year never crossed our mind

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Insurance for the Age of Technology

FRI | NOV 01, 2019

Times have changed, and Washington insurance options have followed suit. Today, most of us rely heavily on technology to keep both our businesses and our personal lives running smoothly.

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Keep Warm Wisely: How to Safely Heat Your Washington Home

FRI | NOV 01, 2019

Is there anything quite so pleasant as coming home to a warm and cozy house on a cold winter's day? Home isn't just where the heart is; in the winter, it's also where the hearth is.

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Safety Checklist for Washington Households

FRI | NOV 01, 2019

When business trips, family vacations, fun weekend getaways, or even long workdays keep you away, it's important for Washington homeowners to know your home sweet home is safe in your absence.

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New Year, New Policy

FRI | NOV 01, 2019

The New Year is traditionally a time of renewal and revision. We stay up late on December 31 to drink champagne and kiss the one we love-all in celebration of the fact that we have been granted a fresh start.

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Winter Driving Emergency Supply Kits

FRI | NOV 01, 2019

Your stocking may be full this Christmas, but what about your emergency supply kit for winter driving? It, too, should be full of goodies: handy supplies and equipment to ensure you and your loved ones stay safe and warm in the event of a road-related emergency.

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Winter Driving Tips

FRI | NOV 01, 2019

Roads can be positively deadly in the wintertime. According to icyroadsafety.com, there were an average of 467 fatalities per year between 2008 and 2010 due to icy roads alone. And, even if you live in warmer climates, winter driving can be a wild and wooly experience regardless.

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Protecting Your Company's Assets: Enjoy Business Peace of Mind

FRI | NOV 01, 2019

You're probably accustomed to taking stock of the assets that lend spark to your personal life - jewelry, collectibles, and art, for example. But your business has assets, too. Have you taken the time to assess just what they may be, and obtain the coverage you need to ensure their protection?

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Not-So-Merry-Mishaps: Holiday Accidents

FRI | NOV 01, 2019

In Washington, the holidays are a special time of year for so many reasons. They may be spiritually significant, or bring us closer to our friends and families. They are a time of giving, gathering, and sharing good food.

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Are You Side Business Savvy?

FRI | NOV 01, 2019

According to a 2011 statistic from Iconoculture.com, 35 percent of workers under the age of 31 have started a side business to supplement their income. Millenials are multitalented, and may be more eager to use their varied skills in different capacities than previous generations.

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Securing the Right Password

FRI | NOV 01, 2019

Most of us in Washington use dozens of websites that require a username and password. Trying to remember your username is hard enough, but trying to remember an assortment of passwords can seem virtually impossible.

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Protecting Your Business from Employee Lawsuits

FRI | NOV 01, 2019

Even Washington businesses with the most effective Human Resources Departments and the happiest of employees are vulnerable to lawsuits. Unforeseen situations can quickly escalate, positive working relationships can turn sour, and employees can become litigious, sometimes without a valid reason.

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Cozy and Safe: A Winterized Home

FRI | NOV 01, 2019

Before winter strikes in Washington, most of us tuck away our summer clothes and bring out the sweaters, coats, and scarves that will keep our bodies cozy when there's a chill in the air.

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Creating Your Own Emergency Supply Kit

FRI | NOV 01, 2019

As youngsters, the more serious-minded among us were vigilant about making the Scout motto "Be Prepared" a reality. Now with the latest round of earthquakes and hurricanes, the old adage is more relevant than ever.

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National Preparedness Month

FRI | NOV 01, 2019

September is here, and you know what that means. It marks the end of summer and the beginning of school and falling leaves. What you probably didn't know is that September also stands for National Preparedness Month (NPM).

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Back to School Insurance Basics

FRI | NOV 01, 2019

For those with kids, back to school time is here. At this point, the back to school shopping is done, and now it's back to new homerooms, homework, sports, extracurricular activities, school plays, and the list goes on.

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Thunderstorm Safety Tips

FRI | NOV 01, 2019

The heat and humidity that tend to lurk around in the summer months around Washington create the perfect recipe for thunderstorms. Occurring either late in the afternoon after big black clouds slowly build up and rumble or springing up out of nowhere.

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Summer and Fall Grill Safety

FRI | NOV 01, 2019

Has this ever happened to you? You turn on the gas to your grill, try to light it and nothing happens. A few seconds pass, you keep hitting the ignite switch and finally it lights with force, due to all of the gas that's been slowly leaking out.

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Outdoor Work Safety, The Biggest On-Site Risks

FRI | NOV 01, 2019

Reality television has a way of glamorizing good, old fashioned outdoor work, with shows like "Extreme Loggers," "Deadliest Catch" and "Dirty Jobs."

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Immunization Awareness Month

FRI | NOV 01, 2019

August marks the beginning of back to school shopping and the last full month of summer. And with fall peeking its head over the horizon, bringing with it the start of cold and flu season, it makes sense that August also marks National Immunization Awareness Month.

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Does a flood insurance policy cover property damage from a Tsunami trigger

FRI | NOV 01, 2019

Does a flood insurance policy cover property damage from a Tsunami triggered by an earthquake?

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Tips You Can Use: Higher Deductibles - Are They Worth It?

FRI | NOV 01, 2019

In these cost-conscious days, everyone is trying to save money wherever and whenever they can. It seems that people may especially look to their insurance policies as a place to realize some savings.

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Potential Coverage Gap from Domestic Employees' Owned Autos

FRI | NOV 01, 2019

If you have a domestic employee, such as a gardener, housekeeper, or nanny, who drives his or her own auto while working for you, there is a potential for you to incur liability arising from their driving that would not be adequately insured.

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Want to Maximize Your Insurance Dollars?

FRI | NOV 01, 2019

Want to Maximize Your Insurance Dollars? Make 'Conduct a Home Inventory' One of Your New Year's Resolutions

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Celebrate the Season of Light Safely

FRI | NOV 01, 2019

I.I.I. Offers Holiday Safety Tips

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Environmental Liability and Your Business

FRI | NOV 01, 2019

What do real estate firms, golf courses, law offices, banks, farm owners, contractors, dry cleaners and gas stations have in common?

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Insurance for Business Offices

FRI | NOV 01, 2019

An office is the primary or only premises for numerous types of small businesses, including, for example, employment, travel, collection, insurance, advertising, and other agencies.

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Insurance for Construction Contractors

FRI | NOV 01, 2019

Construction businesses need the same kind of insurance as other businesses, but special situation unique to the building trades mean you often need supplemental insurance.

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What is in a standard homeowners insurance policy?

FRI | NOV 01, 2019

A standard homeowners insurance policy includes four essential types of coverage. They include:

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Directors and Officers Insurance

FRI | NOV 01, 2019

Most business insurance policies are designed to protect the assets and earning of the business entity.

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Insurance for Non-Profit Organizations

FRI | NOV 01, 2019

Like a business or a homeowner, a nonprofit organization needs to protect its property from loss from a fire, by theft and from many other hazards.

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Insurance for Small Manufacturers

FRI | NOV 01, 2019

Although the range of different product manufacturers produces is huge, with only a few exceptions the risk exposures differ more in degree than in kind.

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The Weather is Changing, and so is the Time: Safety Tips for October

FRI | NOV 01, 2019

As winter starts to set in most of us will be spending more time indoors. Now is a good time to review this checklist for safety, comfort, and savings. Around your home...

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What to do after a car accident

FRI | NOV 01, 2019

See Also: Insurance Company Claim Phone Numbers and Website

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What you need to do after a homeowner loss

FRI | NOV 01, 2019

See Also: Insurance Company Claim Phone Numbers and Website

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Internet Business (and Insurance)

FRI | NOV 01, 2019

If your business promotes or markets its products or services over the Internet, there are unique property and liability risks.

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Avoid Phone Conversations and Texting Behind the Wheel

FRI | NOV 01, 2019

According to the National Highway Traffic Safety Administration, driver distractions are a contributing cause in approximately 25 percent of all motor vehicle crashes or about 1.2 million accidents.

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Defuse Those Electrical Fires

FRI | NOV 01, 2019

Defective electrical wiring systems cause approximately 40,000 residential fires annually, according to a United States Consumer Product Safety Commission (CPSC) study.

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Are there any disasters my property insurance won't cover

FRI | NOV 01, 2019

Yes. Floods, earthquakes and acts of terrorism are generally not covered

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Life Insurance for Key Employees

FRI | NOV 01, 2019

Who Is a Key Employee?

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What should I know about Risk Management?

FRI | NOV 01, 2019

What is risk management?

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Do "Empty Nesters" Need Life Insurance?

FRI | NOV 01, 2019

Quite possibly. Here are 10 reasons to own life insurance after your kids have left home:

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How do I pick a Health Plan?

FRI | NOV 01, 2019

If your employer gives you a choice of plans or you need to purchase your own coverage, it is crucial that you understand your health insurance choices and pick the insurance that is best for you and your family.

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What are the types of term insurance policies?

FRI | NOV 01, 2019

Term insurance comes in two basic varieties-level term and decreasing term. These days, almost everyone buys level term insurance.

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How should I choose what type of life insurance to buy?

FRI | NOV 01, 2019

You should consider term life insurance if:

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How should I organize and store my life insurance records?

FRI | NOV 01, 2019

The last thing you want to happen after you die is for your beneficiaries to be unable to locate and submit a claim on your life insurance.

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Understanding the Need for Long Term Care Insurance

FRI | NOV 01, 2019

Long Term Care Insurance (LTC) is designed to reimburse you for expenses for everyday living assistance, should something happen to you.

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Protecting Your Family From Carbon Monoxide Poisoning

FRI | NOV 01, 2019

According to the U.S. Consumer Product Safety Commission, over 200 people in the United States die annually from carbon monoxide poisoning, usually due to faulty gas appliances.

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Does Your Business Need Business Interruption Insurance?

FRI | NOV 01, 2019

Business Interruption Insurance (BII) is an often overlooked insurance coverage that protects against exposures to loss every bit is vital as fire or litigation.

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Disability Insurance Basics

FRI | NOV 01, 2019

Disability Insurance is designed to reimburse lost wages in the event of a disabling accident or illness.

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Employment Practices, Risk and Management

FRI | NOV 01, 2019

A survey of 422 businesses in May and June of 2006* indicated that, for 89% of the participants, at least one new law suit was filed in the prior year.

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Business Emergency Planning

FRI | NOV 01, 2019

Twenty five percent of the businesses forced to close due to a disaster or emergency never reopen.

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Home Business Insurance Basics

FRI | NOV 01, 2019

What is a small business? Small is a subjective word, meaning different things to different people.

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