The personal property and liability coverage provided within your Homeowners (and Renter) Insurance policy follows you throughout the world. That means your insurance policy is working for you even when you go on Vacation!

As I stepped into this circle of professionals in all my insurance glory, (ready to get my network on), I heard a small business owner regale to a collection of his peers this tale of Insurance Horror and Conspiracy…

This is one of the many ways that we producers start wars with our prospects and why so many of our prospecting calls die on the vine.

In this article O’Shaughnessy states that “Workplace discrimination claims are at an all-time high and small business owners feel vulnerable.” He’s right about the fact that workplace discrimation claims are at an all-time but I highly disagree that small business owners feel vulnerable at all!

My goal for this posting is simply to connect my Upstate New York brethren. Since the inception of Twitter Lists in the Fall of 2009 I have been actively adding Upstate New York Twitters to a common list.

If your driving causes death or injury to your spouse and they sue you a Standard insurance policy does NOT provide coverage for either the Defense Cost or Award.

Certain types of personal property have sub-limits on amounts payable upon a loss. The most commonly seen limitation is the $1,500 restriction on Jewelry, (think Engagement Rings).

All you loyal insurance shoppers out there that have been with the same carrier for 10, 15, 20 years… You most likely are still on a Broad Form policy.

What is prospecting? Simply put, prospecting is putting new potential customers or new business into your sales pipeline. It’s not cold calling, although many people think it is.

I hate this question because it perpetuates the misunderstanding that there is some arbitrary coverage amount that will fulfill an individual’s needs.