Research shows our ancestors began consuming alcohol 10 million years ago. Scientists believe human's ability to ingest fermented and rotting fruit may have helped the species survive. Sadly, liquor consumption leading to drunken driving causes more...
This guide to Manufactured Home Insurance Programs starts by noting there are 8.5 million manufactured homes in the U.S, and it is a growth market. According to U.S. Census Bureau reports, as indicated on the Freddie Mac website, manufactured homes...
The lure of the open road and the rumbling sounds of the steel pony are iconic symbols of freedom that help make riding motorcycles increasingly irresistible, as growth trends indicate. The Motorcycle Industry Council's polling found that the...
What is Cyber Liability Insurance & Who Needs It?
Virtually every business today relies on electronic systems to run its operations. Headlines may sensationalize cyber-attacks on government and large corporations. But small companies also share...
Like every business that supports the retail market, retail insurance programs were affected by the Covid-19 pandemic in 2020. Store closures among chain stores and independent retailers hit all-time highs. Despite such upheaval, there is good news...
The National Association of Real Estate Investment Trusts (Nareit) estimates a mid-point of $16 trillion between a $14 - $17 trillion range of US commercial real estate's total dollar value in 2018. In this vast market, real estate insurance...
What is Car Insurance?
Owning a car symbolizes fun and freedom for many. But it also comes with the real and severe risk of financial disaster for all, which makes car insurance is a necessity. A car insurance program creates a contract between a...
Owning a home is fulfilling the American dream but doesn't come easy for many. That's because a home is the most expensive item most people buy in their lifetime. Typically, they are so costly when compared to annual incomes that it requires a 30-...
What is Flood Insurance, & Why Should You Buy It?
The description of a flood for understanding flood insurance is when an overflow of water submerges typically dry land. Among severe weather-related disasters, floods are the most frequent and...
What is Restaurant Insurance?
It's wise for agents serving restaurant insurance programs to seek hospitality risk management specialists whose skills are like top chefs. That's because both have exacting audiences with unique requirements. While...
What is Healthcare Provider Insurance?
A healthcare provider insurance program protects both the standard business and the unique risks of healthcare professionals and medical service providers who deliver essential health care services to...
What is Captive Insurance?
One definition of captive insurance programs is they are an alternate form of risk management that offers insurance coverage generally not available to companies through commercial insurance programs. Another primary use...
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