Curious if your home or business insurance covers vandalism? When vandalism to property happens, homeowners, business owners, and renters are often left wondering if damages are covered. The good news is that generally, yes, your insurance has you covered. However, there are some certain circumstances where vacant properties aren’t covered—which are especially pertinent during this…
We have learned that the Nebraska Insurance Department has approved Item B-1441 – Revisions to NCCI Manual Rules Related to the COVID-19 (Coronavirus) Pandemic. The rule change addresses the question of payroll for employees who are being paid but are not working as it relates to the basis of premium. If you have furloughed employees and you…
We have begun to receive numerous calls from clients inquiring about coverage for lost income due to their business being negatively impacted by our current pandemic. As with any coverage question, we must note that the insurance company, and/or the courts, always have the final say on what is and isn’t covered in any given policy…
For most contractors, their craftsmanship lies not only in their hands but in their tools. What good would you be without your equipment and tools? If you own a contractor business, such as construction, painting, plumbing, landscaping, welding, or electrician business, your equipment is essential to your job. What would a major loss in tools mean…
Professional Liability Insurance, also referred to as Errors & Omissions Insurance (E&O) or Malpractice Coverage, keeps your company protected from civil lawsuits for common mistakes, negligence, misrepresentation claims and more. Malpractice Insurance is used for medical professions, Error & Omissions Insurance is for real estate agents and Professional Liability Insurance generally covers the rest of…
When you think of commercial car insurance, large work trucks are probably the first thing to come to mind. We’re talking semi-trucks, cherry pickers, dump trucks, etc. It’s true that all of these trucks do need to be insured, however, regular cars sometimes need to be as well. It can be a fine line whether…
*previous post is below update* As of March 21st, the bill has been passed and will go into effect this September. The passage of LB139 will hopefully provide some clarity to insurance carriers as to how to handle uninsured sole proprietors hired to complete work for a general contractor. The bill underwent many draft changes throughout…
We see the ads all the time: “Earn millions working from home!” or “How would you like to double your income working from home?” Although these ads are often too good to be true, the truth is that millions of people, in fact, do work from home. According to Incfile, there are 38 million home-based…