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Backup of Sewer, Drain, & Sump Pump Endorsement

The Backup of Sewer, Drain, & Sump Pump endorsement is a coverage that can be added to your Homeowners Insurance policy, Landlord Policy, or a Commercial policy.  With this endorsement added to your Homeowners insurance policy, you will now have coverage for events that would have otherwise been excluded.  Let's first look at the definition, to better understand the coverage this endorsement provides. Definition: Provides coverage...

How To Keep Your Office Safe From Cyber Crime

Cyber crime is criminal activity carried out on the internet. It can be a crime such as hacking, spamming, or phishing in which a specific device is the object of the crime, or a crime in which a device is used as a tool to commit an offense. Common cyber crimes include identity theft, unauthorized computer access, online theft of bank information, and online predatory...

Prepare Your Office For The Summer Heat

Working in a hot office all day can affect employee morale and productivity. It makes sense for business owners to prepare in advance for scorching summer days. The following tips can help you beat the heat and create a more comfortable office environment. Make Sure Your HVAC System is in Top Running Order When temperatures are climbing, an efficiently running HVAC system can make all...

Full Tort & Limited Tort

Explaining the Difference... Full tort and limited tort automobile insurance options were instituted by the state of Pennsylvania in an attempt to decrease the number of pain and suffering lawsuits in Pennsylvania courts. In Pennsylvania, insurance companies offer Full Tort coverage which gives covered individuals the ability to sue in court for all damages, and Limited Tort coverage which “limits” the ability to sue for...

Why It Is Important To Review Your Insurance Policies On A Yearly Basis

Insurance policies are living documents. They can, and should be, changed periodically to accommodate changes in circumstances and needs of the policyholder. Our agency can assist you with an annual review of your insurance policies to help ensure you have the coverage you need without paying more than you need to. Reasons to Review Your Insurance Policies Annually Certain factors should be checked with your...