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You typically come across these issues when you’re talking about business insurance. It’s easy to get them confused.
The key difference between a certificate of insurance and an additional insured comes down to whether you have coverage under someone else’s insurance policy. This only applies if you’re named as an additional insured on a policy.
What’s an additional insured?
When you’re named an additional insured on a policy, you are typically insured for covered claims arising from the Named Insured’s negligence (or your joint negligence) with regard to the premises, project and equipment that’s described in the additional insured endorsement. This commonly will include defense costs should you need to hire an attorney if the claim falls within the terms of the additional insured endorsement.
Businesses typically request to be named as an additional insured on a policy if another business’s negligence could affect them. Two examples could include:
A general contractor hires a subcontractor to help with a project.… Read More
What’s the Difference Between a Certificate of Insurance and an Additional Insured?
You typically come across these issues when you’re talking about business insurance. It’s easy to get them confused.
The key difference between a certificate of insurance and an additional insured comes down to whether you have coverage under someone else’s insurance policy. This only applies if you’re named as an additional insured on a policy.
What’s an additional insured?
When you’re named an additional insured on a policy, you are typically insured for covered claims arising from the Named Insured’s negligence (or your joint negligence) with regard to the premises, project and equipment that’s described in the additional insured endorsement. This commonly will include defense costs should you need to hire an attorney if the claim falls within the terms of the additional insured endorsement.
Businesses typically request to be named as an additional insured on a policy if another business’s negligence could affect them. Two examples could include:
A general contractor hires a subcontractor to help with a project.… Read More
They say that the only constant in life is change. And that’s true whether you’re 18, 80 or somewhere in between.
One thing to consider when life changes is your insurance coverage. Here are six common transitions that we can help you navigate.
You’re off to college.
With many policies, full-time students younger than 24 are automatically covered under their parents’ homeowners policy. Part-time students (or students who are 24 and older) may need to take out a renters insurance policy. If you choose to live in an apartment instead of a dorm, think about purchasing a separate renters insurance policy. (Learn more about renters insurance below.) When it comes to car insurance, you don’t need your own policy if you’re taking a family member’s car to school. If you’re a co-owner on the vehicle or if you own your own car, you probably need your own policy.
You’re renting your first place.… 
You choose a deductible—which is the amount of money you pay before insurance kicks in—for both your auto and your home policies. Your deductible can be as little as $0 and as high as $10,000 (with lots of options in between).
If you choose a lower deductible, you can generally expect to pay more in premium. Some people prefer to keep a high deductible and pay less in premium, while others prefer lower deductibles and higher premiums. It often comes down to your personal preferences and financial situation.
A better way to choose your deductible
Good news: you have an insurance agent who can help you select a deductible that best fits your needs. Here are a few tips to keep in mind when you talk with us about deductibles.
Make sure you have enough money to cover your deductible. Whether your deductible is $50 or several thousand dollars, it’s important to have enough cash on hand to cover it.… 
The Ultimate Guide to Organizing Your Important Paperwork
First things first:
Invest in a good shredder. Identity thieves have been known to comb through trash (gross) to find bits and pieces of your discarded personal information. Shred any documents with personal information in them so they don’t get the opportunity.
Invest in a sturdy safe deposit box. On the other end of the spectrum, there are records you want to hold on to forever–so buy something solid to keep them protected from theft, water damage or fire. Also keep an inventory of what’s in there, and review it once a year.
Establish a trusted system, and stick to it. What good is an organization binge if the papers will just pile up in another week because you don’t know where to put them? Find what works for you–a bill box, a filing cabinet, a desk drawer–and stick to it.
Think about going digital.… 
I’m a safe driver. I don’t do risky things. Someone I know would never sue me.
Sound like something you’d say? When it comes to truly terrible events, many people have an “It can’t happen to me” mentality. This belief is not only false—it’s also dangerous.
“Believe me when I say a