• Alternative Dispute Resolution

    Whether an insurance policy covers your home, car, boat, life, airplane, jewelry or business, it is a legal contract that exchanges an insurance company’s obligation to pay for certain losses if the person covered by the policy pays a required premium. Yes, there other very important parts to an insurance contract, but the preceding states the essence of any insurance policy.

  • Insuring Adult Children

    Blood may be thicker than water, but it is thinner than insurance contracts. An adult son or daughter may think that, when a loss happens, coverage is available from mom or dad's homeowners or auto policy. It usually isn't and finding this out after a loss makes matters much worse. Policies are typically clear. A relative is covered, but only if the relative is a full-time resident of the named insured's household. Even if a child lives next door, a parents' policy is not going to spread its coverage to take care of an adult child's belongings.

  • Insurer Defense Obligations

    Liability protection, which is part of any typical car or home coverage, has two distinct obligations. First, it is designed to protect you against your legal obligation to pay others because you have hurt them and/or have damaged their property. Second, and equally as important, it provides a legal defense related to lawsuits filed against you. In other words, besides paying for claims or suits, a liability policy also pays for related legal costs and court fees.

    Defense costs generally include:

  • Professional Insurance Designations

    The insurance business is complex and full of changes, so it's very important that persons who are active in the insurance sector maintain interested in continuing education.

  • Arbitrations and Appraisals

    An insurance policy is a contractual relationship. Paying a premium to an insurance company obligates it to provide coverage. However, disputes often arise over issues such as the following: