If you are a homeowner, you realize the importance of homeowners insurance, but do you ever wonder how your insurance premium rate is established?  Most people receive their bill and without much consideration, just pay it. However, you should know there are certain things that are taken into consideration when determining homeowners' insurance rates. 6 [...]

Whether you are a small business owner, insurance company, or homeowner wanting to hire a business for work on your property, you most likely have discussed or requested a “certificate of insurance.”  While asking for or requesting a COI may sound like a simple task, there are some issues that surround certificates.  It’s not as [...]

Owning a home may be your biggest investment yet, so of course you understand the importance of homeowners insurance, but what you may not recognize is the types of insurance by which to protect your home.  There is dwelling coverage as well as market value coverage but knowing which is best for you is essential.  [...]

If you are a business owner with fleet vehicle(s), you know the inherent risks each time you or one of your drivers gets behind the wheel of the vehicle.  Distracted driving, erratic driving, and speeding (just to mention a few) all pose a risk to your fleet vehicles, employees, and others on the roadway.  Accidents [...]

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, [...]