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The Blog

Our latest insurance articles, insight and news.
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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Feb 17

Ride Sharing: Injuries and Risk

By Auto Insurance, Personal Insurance
Trusted Choice Are You a Ride-Sharing Driver? What If Your Passenger, Another Driver, or Your Vehicle Is Injured? As a ride-sharing driver, you must answer two critical questions before you accept your first fare: First, will my insurance help me if my passenger or another party is injured while I am driving for a ride-sharing service? Second, will my insurance help me if my vehicle is damaged while I’m transporting passengers for a ride-sharing company? To answer those questions, here’s information you need to understand about insurance coverage—or lack thereof—in a typical personal auto insurance policy: Livery Conveyance & Your…
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Feb 03

Your Personal Umbrella Policy: A Few ‘Non-Negotiables’

By Personal Insurance, Umbrella Insurance
Trusted Choice® Personal Umbrella Your Personal Umbrella Policy: A Few ‘Non-Negotiables’ So maybe you’re still on the fence about whether purchasing a personal umbrella policy is a good move for you and your family. Following is a list of “non-negotiables” — that is, these are the exposures your family may have that make having an umbrella policy a must. If You Have Children Of course, kids are wonderful. But they sometimes do stupid things or hang out with other kids who do stupid things. Fair enough? Their conduct often leaves us adults shaking our heads (even while remembering we were…
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Jan 20

What is Home Insurance Article

By Home Insurance
Homeowners insurance protects you financially from losses related to the home you own or are purchasing. (If you rent your home, you would need insurance for renters.) If your home is damaged or destroyed by a fire, homeowners insurance can cover the repair or rebuilding of your home. If thieves rob your home or vandals damage it or your personal property, homeowners insurance can cover the repair, replacement or recovery of that property. If you are sued by someone who is injured in your home, you can turn to your homeowners insurance for help. If you find yourself liable for…
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Jan 06

Rev Up Safety, Not Speed on Your Snowmobile Adventure

By Specialty Insurance
Rev Up Safety, Not Speed on Your Snowmobile Adventure Rev Up Safety, Not Speed on Your Snowmobile Adventure “Dashing through the snow, on a 100 horsepower sleigh. Over the handles we go, screaming all the way (to the hospital).” Yes, we know that’s not exactly how the song goes. But if winter snow and cold, clear days make you itch to go snowmobiling, your Trusted Choice® independent agent hopes you’ll remember this: Safe operating habits can make the difference between a joy-filled ride and a tragic accident. So whether your plans are a leisurely ride on favorite trails or a…
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Dec 23

Jewelry Insurance

By Specialty Insurance
Congratulations! It’s Exquisite! Now Protect It Humans are simple creatures. We like shiny things. For more than a thousand years, we’ve flaunted our jewels or lavished them on the people or animals we love. Rings, necklaces, bracelets, earrings or even crowns can be more than just bling. They acknowledge milestones, reward achievements and symbolize relationships. They’re among our most precious possessions. Your own treasured pieces of jewelry may be priceless and irreplaceable in terms of sentimental value. But you can minimize the financial harm that results from loss, theft or damage. Warranty as a Limited Protection A jewelry seller or…
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Dec 09

Trusted Choice® Holiday Disasters

By Home Insurance, Specialty Insurance
Trusted Choice® Holiday Disasters Christmas Tree Fires The holiday season is a time of celebration, not catastrophe. Do not let a fire ruin your festivities. Be safe with these top tips: Fire departments respond to an average of 200 home fires each year that start with Christmas trees and 40% start with electrical distribution equipment. Tip: Make sure all decorative lights are set-up and functioning properly. Remember to unplug and turn off your lights when you are away from home. 26% of Christmas tree fires stem from a heat source. Tip: Keep your tree away from a fireplace or candles.…
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