What is D & O Liability? It is liability insurance to cover damages or defend costs, in the event a Director or an Officer suffer losses as a result of a lawsuit for alleged wrongful acts while acting in their capacity as a Director and an Officer for an organization.   To explain in more laymen terms, it insures “Behavior” in that

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Prepared by the National Association of Insurance Commissioners Buying Life Insurance How much do you need? What is the Right Kind? Finding a Low Cost Policy Things to Remember Buying Life Insurance When you buy life insurance, you want coverage that fits your needs and doesn’t cost too much. First, decide how much you need – and for how long

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Consolidate Insurance Policies Insuring two or more vehicles with the same insurance company can save you between 10 – 15% on your premiums.   Covering your home through the same company that you have auto insurance with can reduce your premiums by another 10-15%. Increase Your Deductible One rule of thumb is to carry the highest deductible you can afford. By

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What Causes Frozen Pipes? The water inside pipes can freeze when outdoor temperatures drop below freezing.  As freezing water expands, it causes the pressure inside the pipes to increase, possibly leading to bursting pipes.   Prevent Frozen Pipes Insulate pipes, especially those close to outside walls, attics or crawl spaces where the chance of freezing is greatest. Seal air leaks

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For those classic car owners who live in more dramatic climates, like the North East as opposed to South Florida, it’s time to put their cars to sleep for the winter.  We’ve put together some steps to help you do it right. First, top off your levels.  Fill your gas tank and add a fuel preservative.  The full tank keeps

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