Personal Umbrellas have historically been thought of for only the wealthy as a way of protecting their assets from liability related law suits. Due to an increase in litigation against almost everyone now along with lower premiums for policies, the personal umbrella is being looked at as a cost effective way to add a significant [read more]

How do you know if your relationship with your workforce is that of an employee or independent relationship? Following are a few sample questions that the IRS considers for your relationship.
If you answer yes to any of these following you might have an employee versus independent relationship:

Do you exercise control of every aspect of their [read more]

The following article was taken from MyNewMarkets.com.  The article goes over possible gaps in protection when college students leave home for school.
College Students and Homeowners’ Insurance Gaps
Notifying a client with this potential exposure accomplishes three objectives: 1) gives the agent the opportunity to close any coverage gaps to which their client may be exposed; 2) [read more]

This tried and true scam happened to me just last week. I was at the car wash and once again, the attendant noticed that I had a small chip in my windshield. He quickly said, “Oh, we can take care of that at no cost to you.”

Next came the clincher. The attendant said, “we’ll just need to see your auto ID card.”

So let’s stop a second. It’s free but he needs my auto ID card? What, is he going to file a claim?!

Why yes, yes he is.

I caught this press release from U.S. Congressman Kevin Brady today. The first two paragraphs are excerpted below, along with a link to the chart

There are myriad reasons why crane insurance is a necessity, with the potential for unfortunate desctruction obviously being chief among them. The goal of these ten videos is simple: remind you, with the most compelling visuals possible, that even the best laid plans often go awry. Will you be protected in the unfortunate event that something like what you see below happens to you or your company?

I spent the first several years of my insurance career working for a Direct Writer. In insurance language, this refers to an insurance carrier that sells their brand only (like State Farm, Allstate, Farmers, or Geico). Now that I am an independent agent, my clients often ask for an explanation of the difference, as it can sometimes be a confusing notion.

Here it is.

SIG Insurance Professionals is now offering online insurance quotes for most personal lines of insurance with the added benefit of a professional coverage review of each online quote.

Foursquare is invading the country right now as “the next big thing” in social media. You may have already seen your friends using it with Facebook status updates like “Leif Hurst just checked in at The Cafe.”

At the time of this writing, it’s still a relatively new service but is growing exponentially due to the built in “viral marketing” and fun factor users get while playing.

Leif Hurst outlines what Foursquare is, what it does, and how to get your business set up.

Are you an insurance broker for a national brokerage or a bank-owned agency and tired of selling a bunch of insurance for your employer and having no ownership in your book? SIG Insurance Professionals has an interesting model in which our producers begin earning ownership from the day they validate. In a short period of time producers may earn ownership of up to 50% of their book of business.