If you are in the business of new construction, renovations, or remodels of existing structures, you need to make sure you have adequate insurance protection during the process.  You may think your Alabama commercial property insurance provides the right type of coverage, but are you sure?  You need to know that there are exclusions, limitations, [...]

Fall is fast approaching which means winter is on the way. Cooking comfort foods, lighting candles, burning fires, decorating for the holidays, and turning up the heat are all signs of what is to come. While all that sounds warm and cozy, you need to also focus on fire safety.  Fire Protection Week is October [...]

Contractors have to multi-task to schedule appointments, assess job size and pricing, and ensure projects are running smoothly and promptly, not to mention the insurance related concerns. Being a contractor, there are unfortunate situations that undoubtedly can and will occur, regardless of how careful you are.  Insurance protection may sound simple and while it is [...]

If you are a business owner, you have a lot of responsibility in making sure your business runs smoothly, but what if you fail to hire safe drivers for your commercial fleet?  Whether drivers are under the influence of drugs or alcohol, texting while driving, or driving distracted, accidents happen all the time.  So, before [...]

Trees are beautiful to look at, but when they fall on your house or property, it can be disastrous.  Whether its lightning, excessive winds, severe storms, or super soaked ground, trees can become vulnerable to falling and when they do, it’s never a pleasantry. While you can’t prevent acts of nature from occurring, you can [...]

It’s officially summer which brings on some scorching days. With temperatures on the rise, so are the number of cases of people experiencing heat exhaustion. Whether your job is outdoors, or you are simply working in the yard or attending outdoor festivities, the heat and humidity can take its toll on you, but if so, [...]

If you own and operate a vehicle, most states mandate having liability insurance, but did you know that about 30% of the drivers in Alabama do not have liability insurance?  It is estimated that in the U.S. about 14 percent of drivers are uninsured.  While those statistics are alarming, it won’t change the fact that [...]

If you are just starting a home-based business or contemplating that endeavor, you need to make sure your coverage is adequate and doesn’t have any holes that may jeopardize your financial stability, not to mention your business.  Working out of your home has many perks but it’s essential your home-based business is properly insured and [...]

As a homeowner, you want to make sure your home is protected adequately.  After all, this may be your biggest investment. However, some things aren’t what they seem when it comes to your home’s value especially with home values continuing to rise over the last few years. If you are a homeowner or planning to [...]

Warmer weather is on its way and that means a lot of different things to many people.  It may mean plans for outdoor gatherings, family cookouts, and yes, a vacation! Vacations take time to plan…where you will be staying, budgeting money, and planning the excursions, but what about the threat of identity theft?  Nobody likes [...]