What Does Replacement Cost Mean?
Replacement cost coverage helps pay to repair or replace property without deducting for depreciation, subject to policy terms.
Insurance Education
Latest Articles
Blog
Insurance Education
Understanding Insurance Deductibles
A deductible is the amount you pay before insurance contributes to a covered claim.
Insurance Education
Why Insurance Rates Are Rising Nationwide
Insurance rates are rising because of inflation, weather losses, repair costs, litigation trends, and reinsurance costs.
Claims
What Information Should I Keep for an Insurance Claim?
Keeping inventories, photos, receipts, policy documents, and repair records can make claim handling easier.
Claims
How to File an Insurance Claim
The claims process usually begins with safety, documentation, prompt reporting, and cooperation with the insurance adjuster.
Commercial Insurance
Insurance for Trucking Companies
Trucking companies need specialized insurance for vehicles, drivers, cargo, liability, and regulatory exposures.
Commercial Insurance
Insurance for Restaurants
Restaurants face risks involving kitchen fires, customer injuries, food spoilage, employee injuries, liquor liability, and business interruption.
Commercial Insurance
Insurance for Hotels and Motels
Hotels and motels need coverage for property, liability, guests, employees, cyber exposure, business interruption, and amenities.
Commercial Insurance
Insurance for Apartment Owners
Apartment owners need specialized insurance for buildings, liability, loss of rental income, and related property exposures.
Commercial Insurance
Insurance for Contractors
Contractors often need general liability, workers’ compensation, commercial auto, tools coverage, and umbrella insurance.