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Angela Ripley

Jul 07

What Is Umbrella Insurance? – Part 2

By Umbrella Insurance
Where Can I Get Umbrella Insurance?Many different insurance companies sell umbrella policies. It can be as easy as clicking “yes” online. But if you want the benefit of a trained insurance expert who can analyze your unique needs, call your local Trusted Choice agent.Because Trusted Choice agents are independent — meaning they can sell policies from many companies, not just one — they can comparison shop to find you the best coverage for your needs and budget.Is Umbrella Insurance Tax Deductible?If your umbrella policy is personal, it is generally not tax deductible. However, if you own rental properties or are…
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Jun 23

What Is Umbrella Insurance? – Part 1

By Umbrella Insurance
What is Umbrella Insurance?There are two types of umbrella insurance — commercial and personal — and both are considered supplementary to primary, or underlying, policies. Umbrella policies provide critical additional coverage that is often overlooked.A commercial umbrella is designed to protect your business from liability risks related to its operation. It is purchased to add coverage to standard business policies.A personal umbrella is designed to protect your personal assets from liability claims, particularly in scenarios where you may be held liable for damages. A personal umbrella is often purchased as a supplement to homeowners, auto, or renters insurance, because it…
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Jun 13

Important Notice for Erie Clients Regarding Recent Erie Systems Issues

By Personal Insurance
Erie Insurance today released the following statement regarding an ongoing network outage and confirmed an information security event: On Saturday, June 7, Erie Insurance’s Information Security team identified unusual network activity. We took immediate action to respond to the situation to safeguard our systems and data. Since Saturday, we have continued to take protective action for the security of our systems. We are working with law enforcement and are conducting a comprehensive forensic analysis with the assistance of leading cybersecurity experts to gain a full understanding of this event. The investigation into this event is ongoing. We will continue to…
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Jun 09

Benefits of Using an Independent Insurance Agent

By Personal Insurance
3 Ways Independent Insurance Agents Make Adulting Easier Being an adult can be overwhelming. You’ve got big decisions to make, money to figure out, and a social life to manage. Plus, you've got to figure out a way to get more vegetables in your body. This is all just a panic attack waiting to happen. Could you bury your head in the sand and eat mac and cheese every day? Yes, but your problems will only get worse, and you may end up with scurvy. The best thing you can do is talk to someone. And when it comes to…
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May 26

What Is Condo Insurance? – Part 2

By Personal Insurance
What Is Condo Insurance? - Part 2 How Do I Know How Much Coverage I Need in My Condo Policy? This is not a one-size-fits-all question. The answer hinges on what it would cost you to replace your belongings or restore your unit in the event of a burglary, a fire, or some other calamity. You should create an inventory of what you have and identify the value of your furniture, electronics, clothing, and other personal items. (Use photos or video to make the task easier.) Then compare the level of coverage in the policy you are considering with how…
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May 12

What Is Condo Insurance? – Part 1

By Home Insurance, Personal Insurance
What Is Condo Insurance? - Part 1 What Is Condo Insurance? When you purchase a condominium, you want to protect that investment in case of adversity — whether a fire, plumbing catastrophe, liability or theft, to name a few. The condo association should maintain insurance on the building, but it will not deliver all the coverage a condo owner needs. An HO-6 condo policy will insure your unit and can provide liability coverage. Condo association insurance typically does not cover all damage to the structure or contents in a member’s condo unit, leaving an insurance gap and making you vulnerable…
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Apr 28

Electrical Contractor? Financial Protections for Your Business

By Business Insurance
Electrical Contractor? Financial Protections for Your Business Electrical Contractor? Financial Protections for Your Business Electricians are exposed to significant and often unique hazards when providing services related to the electrical systems in home, business, and industrial settings. Electrical shocks, fires, explosions, or other accidents on the job can happen when working with live wires, circuits, and electrical equipment. Electricians face risk of bodily injury and damage to their vehicles, equipment, and property. Potential claims of negligent work or damage to customer property are also significant risks. It’s crucial for electrical contractors to have adequate insurance coverage to protect their businesses,…
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Apr 14

Side Hustles and Entrepreneurism Have Risks: Are You Covered?

By Business Insurance, Personal Insurance
Side Hustles and Entrepreneurism Have Risks: Are You Covered? Side Hustles and Entrepreneurism Have Risks: Are You Covered? After businesses shuttered and U.S. workers were sent home at the height of the pandemic in 2020, a report from Dollar Sprout revealed that more than 27% of those with a side hustle rely on that income to pay their bills. They might be doing anything from tutoring, freelance writing, offering professional consulting services, walking dogs or delivering groceries, to name a few. The Dollar Sprout report also revealed that: Of those with a side hustle, 18% expect to turn it into…
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Mar 31

Flying Drones Safely: Some Clarity amidst the Buzz

By Personal Insurance
Flying Drones Safely: Some Clarity amidst the BuzzA growing colony of recreational drones is taking over our skies. There are millions of them. Literally, millions.The Federal Aviation Administration (FAA) reported receiving nearly 700,000 registrations in 2016, but that number falls far short of the 2.8 million drones sold that year to U.S. hobbyists who often fail to register them. The FAA predicts that registrations will number 7 million by 2020, but who knows how many more will actually be flying. Recreational drones have exploded in popularity, and you can’t escape the growing buzz.More drones mean more drone incidents. We’ll see…
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Mar 17

Own a Home-Based Business? Think ‘Presidentially’ When Considering Risks

By Business Insurance
Own a Home-Based Business? Think ‘Presidentially’ When Considering Risks Own a Home-Based Business? Think ‘Presidentially’ When Considering Risks No, we are not implying you fancy yourself the next Washington or Lincoln. But are you the proud owner or founder of one of the estimated 59% of established businesses in the United States that operate from a home? Then, even if your face doesn’t appear on Mount Rushmore, for your business you are still the top dog, head cheese, or grand high poobah. So welcome to your month, Ms. or Mr. President! But just as you realize that there are similarities…
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