Over the past few years, personal insurance companies have started to come out with a few new coverage options. From the first meeting, they seem to be great assets, and I think they’ll continue to prove themselves to be. However, don’t let these fade out some of the old coverages. New Coverage’s Utility Line Coverage […] Read More

If you ever access the internet in the course of your business, you are vulnerable to ransomware. For the few of you who may not be aware of what ransomware is, here is an example. One day, while working on your computer, a message pops up telling you that all the files on your computer […] Read More

In a 43-4 decision, the United States Senate voted to pass House Bill 1070. Effective 7/1/20, the legislation replaces the existing ban on texting and driving, which to this point has been deemed unenforceable.” Are you now allowed to text and drive? Quite the contrary. In the past, the ban on texting and driving was […] Read More

Coronavirus, or COVID-19, has impacted our lives in many ways that may result in permanent change. Many people are still reluctant to recommence their pre-COVID-19 life, or have come to enjoy the convenience of the many delivery services that popped up while we all have had to stay at home. Thus, grocery and restaurant food […] Read More

Society changes faster than insurance policy language.  New things come along never imagined by those who wrote insurance policies, and therefore, sometimes those policies don’t provide coverage.  Such is the case with the motorized scooters that can be rented in Indianapolis, and many other cities. Anyone renting one of these scooters might look to either […] Read More

To most of us, the adjuster is the person that is making it difficult for us to collect what we believe our insurance company owes us. The person who is trying to inflate the company’s profit by not paying claims they should. I’ve been around the business for over fifty years, and I’ve met a […] Read More

In the latest news out of California, Mayor Sam Liccardo of San Jose has proposed legislation that would require gun owners to carry firearms liability insurance. It is based, he says, on state laws that also require motorists to insure their cars. Because responsible gun owners might want to have insurance, it is useful to […] Read More

This is not a fun topic to address. The statistics surrounding sexual abuse are astounding. It is very possible that you yourself have been a victim of sexual abuse scandals coming out of the SBC, or IFBC, or the Catholic Church and many other denominations. Statistically, our churches are running rampant with people who have […] Read More

As unbelievable as it sounds, insurance companies are struggling to keep pace with changes in auto accidents due to increasing frequency and severity. Over the last several years, carriers struggled to have premiums meet losses and expenses on personal auto policies that they have underwritten. And while the graph below is a few years old, […] Read More

We’ve all read the predictions about self-driving vehicles becoming more and more common. Instead of driving ourselves, we will be relying on vehicles controlled by computers.  Many newer cars are equipped with collision warning systems and automatic braking. As a result, data is showing a reduction in accidents. This may result in lower insurance costs […] Read More

The USA Gymnastics sexual abuse scandal brought a lot of attention to growing concerns for children while participating in sports.  This might have been the final catalyst motivating Congress to pass a new law, in late 2017, aimed at preventing child sexual abuse. The Protecting Young Victims from Sexual Abuse and Safe Sport Authorization Act […] Read More

Emotionally, you may be in agreement with the title, “Your Insurance Company Is out to Get You!” However, I’m here to tell you that this is one of the biggest misconceptions about the insurance industry. William Penn once said:  “Justice is the insurance which we have on our lives and property. Obedience is the premium […] Read More