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Spring Cleaning for Your Insurance Policies
Out With The Old & In With The New It’s officially the first day of Spring! The days are getting longer and the weather is getting warmer, which means it’s finally…
What is Workers Compensation and How Does it Work?
Many of us are familiar with the term “workers compensation” or “workers comp”, but most are unaware of what it actually is and how it works. A common misconception is…
What are Covered Reasons for Trip Cancellation?
Trip cancellation coverage reimburses travelers for their pre-paid, non-refundable travel expenses if they have to cancel their trip due to a covered reason. The covered reasons also apply to trip…
What is a Vehicle Identification Number – VIN?
A Vehicle Identification Number or VIN is a unique method of identifying a particular vehicle manufactured in the USA and many other countries. Each sequence includes 17 digits that correspond to…
Do I Really Need Travelers Insurance?
“I’m taking a quick trip overseas, but it’s only for a few days. Do I really need travelers insurance?” Well, think about it this way. There are certain expenses that…
Ten Insurance Tips When Starting A Business
You decided that you were tired of working for someone else. It was time to start your own business. But, did you think about all of the things that go…
Adverse Selection Gone Awry
When an insurance contract is first forged between an insurer and a customer, both parties assume some form of risk. The insurer is taking on the risk that the newly…
Top 20 Most Dangerous Cars
The Insurance Institute for Highway Safety, www.iihs.org is an excellent source for all kinds of safety statistics and driving tips, including the most dangerous cars. The IIHS recently introduced a…
Uber Drivers and the MO Auto Policy
Uber Drivers and the Missouri Personal Auto Policy We just received our first memo from one of our companies that address the Uber ride-sharing company and how their policy will…
Who Pays If A Neighbors Tree Falls On My House?
Being in the St. Louis area we get this question asked dozens of time per year. You might think being asked what to do because your neighbor’s tree fell on my house…