Understand Your Coverage: Improvements and Betterments

Betterments and Improvements

John’s Italian Restaurant recently signed a lease with Landlord LLC to occupy a portion of their building.  John’s spent several weeks transforming the once bland storefront into an upscale authentic Italian restaurant.  Luxurious lighting, expensive carpeting, wallpaper, new interior wall partitions, and other building improvements were made at a cost of $100,000. John’s grand opening […]

Insurance is Peace of Mind


“Why did my premium go up?  I have had this insurance for ‘x’ number of years and I have never put in a claim!”  I cannot tell you how many times I have heard this question/complaint over the years from one of our customers or even from a prospect shopping for new insurance (because their […]

Coinsurance: What you don’t know can hurt you


Coinsurance. It is one of the most important but least understood parts of an insurance policy. John Brown owned Acme Hardware and worked hard to build his business up over the years.  He did everything by the book, including insuring his hard-earned assets.  One night though, a fire roared through part of his building, resulting […]

Renters Insurance, It’s Not Just About Your Stuff!

Untitled design

Many people who rent think that they don’t need renters insurance because their “stuff” is not worth very much money. What most people don’t realize is that renters insurance provides another protection even more important than coverage for their belongings.  When they purchase renters insurance, the policy also includes Personal Liability protection. Personal Liability insurance […]