Does My Condo Insurance Policy Cover My Condominium When I’m Gone?
- Jon Shea
- Apr 9, 2020 7:43:03 PM
- Condo Insurance, Personal Insurance
Condo insurance policies typically provide a host of projections for the condominiums they insure, but those protections are sometimes confined by a policy’s terms and conditions. With some policies, many of the coverages provided are only in effect so long as the unit is occupied. If you own a condominium in Vermont that’s unoccupied for any substantial amount of time, make sure your condominium insurance policy will continue to cover your unit.
How Should My Condominium Association Shop for Condo Association Insurance?
- Jon Shea
- Mar 14, 2020 12:30:00 PM
- Business Insurance, Condo Association Insurance
Shopping for condo association insurance is a fairly simple process, but having a defined method in place does help ensure everything goes smoothly. If your Vermont condominium association would like to update its condo master policy with a new one, here’s a step-by-step guide that’ll help you through the process.
How Much Coverage Will a Classic Car Insurance Policy Provide for My Vintage Automobile?
- Jon Shea
- Feb 29, 2020 12:00:00 PM
- Car Insurance, Personal Insurance, Classic Car Insurance
A well-chosen car insurance policy will insure the covered vehicle for its full value. With standard car insurance policies, determining the appropriate amount of coverage is a fairly simple process. Determining how much coverage a classic car insurance policy should provide, however, is often a more involved matter. If you’re insuring a vintage automobile in Vermont, here are a couple of ways that a policy’s coverage might be determined.
Does My Commercial Trucking Insurance Adequately Protect My Truck?
- Jon Shea
- Jan 2, 2020 12:00:00 AM
- Business Insurance, Commercial Trucking Insurance
Insuring a commercial truck is often more complicated than merely purchasing comprehensive and collision coverage for the vehicle. If you have a commercial truck in Vermont, you may want a combination of the following coverages in your commercial trucking insurance policy.
How Does a Traffic Ticket Impact My Vermont Car Insurance Premiums?
- Jon Shea
- Dec 20, 2019 12:00:00 PM
- Car Safety Tips, Car Insurance, Personal Insurance, Traffic Ticket
Being issued a traffic ticket, whether in Vermont or some other state, usually requires you to pay fees and/or fines. Certain tickets may also cause your car insurance premiums to go up. Here’s a look at how being ticketed might affect your auto insurance rates, along with what you can do to minimize any impact the ticket has.
What is the Self-Insured Retention in My Company’s Commercial Umbrella Insurance?
- Jon Shea
- Nov 10, 2019 7:47:00 PM
- Business Insurance, Commercial Umbrella Insurance
Understanding the terms in a commercial umbrella insurance policy (or any insurance policy) is a fundamental step toward fully understanding what protections the policy affords. As you read through your Vermont company’s commercial umbrella policy, “self-insured retention” is one term you may come across. Here’s an explanation of what this is and how it impacts the protections a policy provides.
How Can My Financial Firm Improve Its Cyber Security?
- Jon Shea
- Oct 29, 2019 7:48:00 PM
- Cyber Insurance, Business Insurance
As cyber threats continue to grow, developing a robust cyber security system is becoming more and more important. Financial firms, in particular, need to consider potential threats and take actions to protect against those threats. For, the financial sector consistently ranks among the most-targeted sectors that cyber criminals try to exploit. If you run a financial firm, here are some practical ways to improve cyber security at your firm.
Should My Commercial Property Insurance Have Replacement Cost or Actual Cash Value Coverage?
- Jon Shea
- Jul 3, 2018 1:39:53 PM
- Business Insurance, Commercial Property Insurance
When comparing commercial property insurance policies, you’ll find that almost all policies include “business personal property” coverage. You’ll also likely notice that the type of business personal property coverage policies offer differs. Some provide “replacement cost” coverage and others have “actual cash value” (ACV) coverage. Here’s a look at the differences between these two types of coverages -- and which one is better for your Vermont business.
What Happens If My Apartment Was Destroyed and I Didn’t Have Renters Insurance?
- Jon Shea
- May 17, 2018 5:48:48 PM
- Renters Insurance
According to the Insurance Information Institute, just 37 percent of renters have renters insurance. That leaves a large majority, 63 percent, of people who rent without protection from potential disasters. If you don’t have a renters policy, here’s a look at what might happen if your Vermont apartment is ever destroyed.
Does My Motorcycle Insurance Cover Custom Work and Aftermarket Parts?
- Jon Shea
- Apr 26, 2018 11:06:03 AM
- Motorcycle Insurance
Many motorcycle owners in Vermont trick out their bike with accessories, aftermarket parts and custom work. They may install parts themselves, or they might hire someone to do work that makes their bike truly unique. If you’ve had aftermarket parts put on your bike or custom work done to it, you’ll want to make sure these modifications are covered by your motorcycle insurance policy.
Does My Business Need More Commercial Auto Insurance With a Fleet of Vehicles?
- Jon Shea
- Mar 12, 2018 7:21:04 PM
- Commercial Auto Insurance
When purchasing, upgrading or expanding a fleet of vehicles, a business’ commercial auto insurance needs change. If you run a Vermont business that’s recently invested in or is about to purchase a fleet of vehicles, here are some changes you may want to make to your business’ commercial auto policy.
How Can Shared Workspaces in Vermont Affect Your Business Owners Policy?
- Jon Shea
- Jan 16, 2018 12:07:17 PM
- Vermont, Business Owners Policy
Vermont professionals who use shared coworking spaces are frequently still exposed to a variety of potential risks. If you run a business in the state that uses a common office, kitchen, art studio or woodshop, here’s why you might still want to protect your business with a business owners policy.
What Would Happen If I Canceled the Homeowners Insurance on My Vermont House?
- Jon Shea
- Nov 2, 2017 9:48:07 PM
- Homeowners Insurance
Homeowners in Vermont generally aren’t required by state law to have homeowners insurance, but it’s a smart and wise move to keep a house insured. If you were to cancel the homeowners policy on your home, here’s what might happen.
How to Winterize Your Car
- Jon Shea
- Oct 3, 2017 8:52:57 PM
- Car Safety Tips
Summer lovin’, had me a blast. Summer lovin’, happened so fast!
Does My Vermont Car Insurance Cover Driving for a Rideshare Service?
- Jon Shea
- Sep 14, 2017 12:38:17 PM
- Car Insurance, Vermont Insurance, Rideshare Insurance
Ridesharing has quickly become a mainstream way for people to get around. It’s also become a viable means for drivers throughout Vermont to earn extra money. Before driving for a ridesharing service, however, Vermont drivers should first check their car insurance to make sure they’ll be properly protected. In some cases, drivers might need to purchase additional coverage.
3 Reasons Vermont Business Owners Should Have General Liability Insurance
- Jon Shea
- Jul 24, 2017 1:25:00 PM
- General Liability Insurance, Vermont Insurance, Business Insurance
General liability insurance is a common commercial insurance that many businesses in Vermont purchase. It’s included in most business owners policies and commercial package policies, and it can be purchased as a stand-alone policy. Not all businesses, however, have this form of insurance. If you run a business that doesn’t already have general liability coverage, here are three reasons why you may want to get it.
Why Most Car Dealerships Think Surety Bonds are the Best Option
- Jon Shea
- Jul 18, 2017 6:40:08 PM
- Surety Bonds
In order to receive a dealership’s certificate of registration from Vermont’s Commissioner of Motor Vehicles, dealerships must show the state they have funds available to settle any successful claims of fraud filed against them. Even though there are several ways to prove that funds are available, many car dealerships in the state use surety bonds. Here’s why dealers usually use bonds, instead of the other options.
3 Business Interruption Insurance Policies to Save Vermont Businesses
- Jon Shea
- Jun 29, 2017 2:54:25 PM
- Vermont Insurance, Business Interruption Insurance, Business Insurance
Business interruption insurance helps businesses cover unexpected losses of income that are caused by covered incidents. As is the case with most insurances, there are several different types of business interruption coverages. Here’s a look at three available coverages that Vermont businesses, depending on the nature of their operations, may want.
5 Incidents Where Liquor Liability Insurance Can Protect Vermont Businesses
- Jon Shea
- Jun 23, 2017 12:11:02 PM
- Vermont Insurance, Liquor Liability Insurance, Business Insurance
Most businesses in Vermont that sell alcohol to consumers should have liquor liability insurance. This insurance helps protect businesses from alcohol-related accidents they’re held responsible for. Here are five examples of incidents that liquor liability coverage might offer protection against. (Specific coverages vary, and depend on a particular policy’s terms and conditions.)
A Guide to Surety Bond Basics for Small Businesses in Vermont
- Jon Shea
- Jun 20, 2017 2:16:02 PM
- Vermont Insurance, Surety Bond
Surety bonds are used in a variety of situations to provide businesses, governments or individuals with guarantees. The type of surety bond that’s purchased depends on what the bond is being used for. Here are four common types of surety bonds that businesses in Vermont might come across.
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