Personal Lines

28
Oct, 2015 By Michael Hermansen, Director of Operations
Winter Cold and Protecting a High-Value Home

Winter Cold and Protecting a High-Value Home

By JoAnn Streem, VP, Risk Consulting, ACE Private Risk Services With wildfires ablaze in the West and temperatures still warm in most of the country, it’s hard to think ahead to the deep freezes of winter cold. But families would be wise
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07
Oct, 2015 By Michael Hermansen, Director of Operations
After Hurricane Joaquin

After Hurricane Joaquin

Now that Hurricane Joaquin is history, you may be asking yourself, “If my house is hit by a hurricane, am I covered?” Many policyholders have the common misconception that they are automatically protected for all damages caused by a large
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09
Sep, 2015 By Michael Hermansen, Director of Operations
Insuring a Trust

Insuring a Trust

Homeowner and other policies that protect private residences have, for most of their history, been written assuming that the property owner is an individual or married couple. Policies traditionally defined an “insured” or covered person as an individual, married couple
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02
Sep, 2015 By Michael Hermansen, Director of Operations
Social Sharing and Insurance Implications

Social Sharing and Insurance Implications

What exactly are the insurance implications for ride sharing services like Uber, Lyft, or Sidecar? What about for Airbnb home renters? At the moment, these are not easy questions to answer since the insurance industry is having a difficult time
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15
Jul, 2015 By Michael Hermansen, Director of Operations
Critical Steps to Protecting Sensitive Data

Critical Steps to Protecting Sensitive Data

By David Hallstrom Not a week goes by without news of another high-profile cyber attack; Target, Sony, JPMorgan Chase, just to name a few. Not even the federal government is immune. Just this week, the U.S. government announced that hackers
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01
Jul, 2015 By Michael Hermansen, Director of Operations
Boating Basics Are Anything But Basic

Boating Basics Are Anything But Basic

By Deborah O’Sullivan In 2013, there were 4,062 accidents that involved 560 deaths, 2,620 injuries and approximately $39 million of damage to property as a result of recreational boating accidents. Where the cause of death could be established, “77% of
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24
Jun, 2015 By Michael Hermansen, Director of Operations
Insurance and Hurricane Protection

Insurance and Hurricane Protection

By Christie Alderman, Chubb Insurance With the arrival of hurricane season, it’s time to consider the important role insurance can play in providing financial protection for your home and family. Because hurricane protection involve a variety of insurance considerations, it’s
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10
Jun, 2015 By Apurva Upadhyay, Vice President
Personal Injury

Personal Injury

Unlike accidental events that result in a person suffering a serious injury (called bodily injury) or property that is damaged or destroyed (called property damage); personal injury usually involves one person’s alleged interference with another person’s legal rights. It also
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29
Apr, 2015 By Michael Hermansen, Director of Operations
Art of the Appraisal: Suggestions from Chubb for getting collectibles properly appraised.

Art of the Appraisal: Suggestions from Chubb for getting collectibles properly appraised.

Devotees of PBS TV’s Antiques Roadshow may dream of the day they pick up a dusty piece of furniture for next-to-nothing at an estate sale only to find it is a rare vintage piece. Or even better, they find a
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25
Mar, 2015 By Michael Hermansen, Director of Operations
Planning a Graduation Party? Understand Social Hosting Liability

Planning a Graduation Party? Understand Social Hosting Liability

Spring is the season for graduation parties. And every year we read reports of parents who knowingly permit underage drinking in their homes, in hotel rooms they have rented for parties or at remote campsites. Perhaps these parents feel the
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16
Mar, 2015 By Michael Hermansen, Director of Operations
Are You Planning a Spring Makeover? Tips for Hiring a Contractor

Are You Planning a Spring Makeover? Tips for Hiring a Contractor

With spring just around the corner, many of our clients are considering renovation or restoration work on their homes.  Some of you are selecting contractors right now.  This article provides great tips for the most important step of your renovation project.
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22
Jul, 2014 By Michael Hermansen, Director of Operations
Stay Afloat with Proper Boater’s Insurance

Stay Afloat with Proper Boater’s Insurance

Boaters often underestimate the costs associated with boat ownership.   In addition to the cost of the actual vessel, ongoing expenses like dock fees, general maintenance, fuel costs and winter storage all add pressure to control costs wherever possible.  Watercraft Insurance
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02
May, 2014 By Michael Hermansen, Director of Operations
Taking Another Look at Flood Insurance

Taking Another Look at Flood Insurance

Floods are the most common natural disasters in the United States.  Although many floods are caused by huge storms like hurricanes or nor’easters, many floods also result from small, localized events, such as a typical afternoon thunderstorm.  No matter where
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17
Apr, 2014 By Brian Courtney, RPLU, AAI

What You Need to Know About the Heartbleed Bug

Making waves in the Internet security community is the discovery of the Heartbleed bug, a serious vulnerability that allows hackers to steal personal information that is normally protected by OpenSSL encryption. OpenSSL provides security for Web applications, email, instant messaging
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10
Apr, 2014 By Michael Hermansen, Director of Operations

Why an Independent Agent?

Not all insurance agents are the same! Choosing the right one can make a big difference – in price, service, and value. With other agencies, you get one company that sells one brand of insurance. With an independent insurance agency
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