Christmas Outtakes

As promised last weeks, here are some of the more amusing outtakes from last week’s photoshoot for our Christmas “card”: These next three would’ve made an amusing gif.  It appears almost as though she’s singing “Joy to the World!” like Clark Griswold. This is one of my favorites of all of them: These last picturesContinue reading “Christmas Outtakes”

Before you have work done on your home….

Good morning!  Today we have a very simple recommendation for you to consider before having a contractor come to do work on your home. Before you have a contractor (any type of contractor) come in to your home to work, you should have them provide you with a current certificate of insurance.  A certificate (example below)Continue reading “Before you have work done on your home….”

A review of Personal Insurance – Home Owners (Part 1)

Homeowners coverage.  Where to begin?  With your home, of course!  In this “installment,”  I’m going to review a couple things to keep in mind while reviewing or considering insuring your home – based on the assumption that you own, not rent. The primary “concern” of homeowners is protecting the actual dwelling itself.  As there areContinue reading “A review of Personal Insurance – Home Owners (Part 1)”

What the Hail?!

Some timely advice for local Pittsburghers who endured the relatively uncommon pelting of hail yesterday: Worried about hail damage? Don’t be! – Virtually every building (home or business) policy includes coverage for hail damage, even if you have a named perils policy. – Same for auto policies – if you carry comprehensive, you have coverage forContinue reading “What the Hail?!”

A review of business coverages – Part 2

Good afternoon one and all!  Today I’m going to give you a brief break down of one of the more straight-forward coverages for your business – Workers Compensation.  To put it simply, Workers Compensation is in place to pay for expenses due to a work related injury, illness, or death.  In addition, it will alsoContinue reading “A review of business coverages – Part 2”

A review of business coverages – Part 1

Today is the first part of a series reviewing various business insurance coverages.  Insurance companies will handle the various coverages differently, but some generalities can be made.  Many companies often use standardized forms provided by the Insurance Services Office, but certainly not all do.  Today’s coverages we will review are the Commercial Package Policy and BusinessContinue reading “A review of business coverages – Part 1”

A mish-mash of things leading up to Christmas!

Hello and good morning faithful! Not terribly much new going on in the local insurance world, and amazingly few things need to be addressed insurance-wise. I do want to say that I hope you all have a wonderful Christmas and New Years.  The dog and I will be going on vacation shortly (well, I’m goingContinue reading “A mish-mash of things leading up to Christmas!”

A defense for the insurance industry…. based on my own experience

I wrote this blog on the day that the incident occurred.  I decided to wait a few weeks and give myself time to cool down so I wouldn’t be posting in anger.  Nearly a month after the fact, I’m keeping it intact, as it’s mostly not about anger so much as it is informative aboutContinue reading “A defense for the insurance industry…. based on my own experience”

Comparing prices…………

Good morning one and all! This is a quick thought for those who compare pricing with your neighbors/friends/relatives etc to see whether or not your policy premium is competitive.  Can we please stop doing this?  It’s like comparing apples to galoshes.  Apples and oranges are probably much more similar than you and your neighbor’s insuranceContinue reading “Comparing prices…………”

4 ways NOT to save on your insurance (and what you SHOULD have done) – part 4 (Frequency)

The fourth & final installment of our 4 ways not to save thread may ruffle your fur a little bit.  Keep in mind while reading that it’s simply a different perspective to consider.  We are going to address the issue of whether or not you should file an insurance claim. There are quite a few websitesContinue reading “4 ways NOT to save on your insurance (and what you SHOULD have done) – part 4 (Frequency)”

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