Category: Personal Umbrella

Social Host Liability

Be a Responsible Host When It Comes to Serving Alcohol at Parties Whether you are hosting a Super Bowl party or greeting the New Year with friends in your home, if you are planning to serve alcohol at any type of party it is important to take steps to limit your liquor liability and make sure you have the proper insurance. Social host liability, the...

Social Host Liability and Underage Drinking

Be a Holiday Hero Under social host liability laws, party-givers can be held responsible when minors drink. The holiday party season has officially kicked-off. Guests are ready to be dazzled and hosts are busily planning their menus and attending to every sparkling detail to make it an event to remember. Drinks will probably be served and when minors are present, things can get tricky. Under...

3 Common Insurance Misconceptions

How to Avoid Surprises From Your Insurance   When it comes to insurance, there are many misconceptions floating around—too many to cover in this short article. Here are three in particular that could put you at serious financial risk: Misconception 1: “I have an umbrella policy, so I’m covered for everything.” False. Though the intent of a personal umbrella policy is to provide an additional layer of...

Do Your Part to Help Keep Halloween Safe and Happy

Halloween Safety Tips for Big Kids With Halloween approaching, you've likely seen those lists of safety tips for trick-or-treaters. You may remember the drill: Stick to familiar neighborhoods, carry glow sticks and flashlights, don't eat any of the goodies until you get them home for inspection. But, what about the rest of us, the ones escorting kids from door to door, or the ones answering...

4 Instances When Umbrella Insurance is a Must

When – and Why – You May Need Umbrella Insurance Living in a busy world, our lives constantly intersect with the people around us, and some interactions can have surprising consequences. It is increasingly important to make careful insurance choices to protect yourself from the unexpected. Because, even if you carry excellent coverage with high limits, situations can still arise that leave you liable for...