Jewelry Insurance should be a standalone policy, separate from your homeowners insurance. Having a separate policy, ensures that your homeowners insurance will not increase if you file a claim. More importantly, Jewelry insurance has superior coverage over a standard homeowners policy. Jewelry insurance will cover the entire replacement value of your jewelry, whereas homeowners policies […]
Hospitality Services, I know you’re scrambling to survive and overwhelmed with conflicting information. In the spirit of trying to help you as much as possible, I want to share with you everything I’ve seen evolve in recent days. I am not an expert from a legal, accounting or banking standpoint, but I will continue to […]
Understanding insurance coverage is important. No matter what kind of insurance you’re dealing with it’s best to know the scope of your policy. Whether it’s health, auto, homeowners or others, it pays to know what’s what within your insurance plan. When dealing with specialty insurance you’ll need to pay extra close attention to the details. […]
First, I can’t thank you enough for taking the safety and health concerns so seriously to protect our communities. The recent events and actions surrounding the Coronavirus Disease 2019 (COVID-19) are evolving by the hour. My Team and I have witnessed the measures you have taken over the course of the last couple weeks. I […]
Given the implications of the coronavirus (COVID-19) outbreak, countless employees across a variety of industries are working remotely. While this allows businesses to remain operational, it can create a number of risks, particularly for those who fail to take the proper precautions. Above all, information security is one the greatest challenges for companies allowing remote […]
The new coronavirus (COVID-19) outbreak continues to be a top-of-mind concern for organizations and individuals across the globe. As COVID-19 becomes increasingly widespread, it’s not only raising fears about the well-being of the general public, but it’s also disrupting business operations and creating insurance exposures. In fact, COVID-19 has already led to business interruptions, supply […]
You’ve probably heard of sinkholes, the hollowed-out portions of soil that sometimes collapse, taking houses, cars, and — in rare cases — human beings with them. But what you might not realize is that sinkholes are fairly common. In fact, in the United States, approximately 20% of the land is susceptible to sinkholes. As such, it’s often a […]
If you have a vehicle then you know that insurance is a necessity. What if you own a valuable vehicle? Do you know if your auto insurance will cover the entire value of your vehicle if you are in an accident? A lot of traditional insurance companies have set limits on the payout of claims. […]
In the POWERS Insurance and Risk Management family, we value our employees tremendously. Each month we put a spotlight on one of our employees to show them how much we appreciate their success in our agency. This month we have spotlighted Meaghan Dowd. Meaghan is highly valued as our Personal Risk Management Advisor. She has […]
You always dreamed of a round-the-world cruise, you have tickets and suddenly a pilot’s strike in Berlin puts it all in jeopardy. Can you get your money back? What happens if you break your arm in Mauritius? Or come down with Dengue fever in Senegal? Does your insurance cover that? If war breaks out near you, is an […]
