How Gaps in Your Auto or Homeowner’s Insurance Can Haunt You

Auto insurance and homeowners insurance policies typically provide liability coverage for common situations. However, they will exclude situations that are normally covered by other types of insurance. For example, you can’t collect from your homeowner’s insurance policy if you injure someone in an auto accident while driving to work. In addition, both auto and homeowners insurance…


How Dog Bites Get Expensive

When a dog bites someone, she is entitled to reimbursement for medical expenses as well as lost income if treatment and/or recovery prevents her from working. If the injury is minor, then the medical expenses and the time away from work will likewise be minor. However, if the bite causes complications from infection, or causes…


Who Are the Common Victims of Dog Bites?

Dogs are highly social and have an uncanny ability to empathize with humans. They’re nonjudgmental, provide unconditional love, and enjoy play. These characteristics make them the most favored pet of most human cultures. In spite of this, dog bites are common events that often require a visit to the emergency room. Who are these victims…


Circumstances That May Cause the Family Dog to Bite

Humans are complicated. Even a good friend under some circumstances, can become remote, moody, and possibly annoyed at one’s approach. Mob behavior is another example of behavioral contrast where law-abiding people can get swept up by the passions of the moment. Dogs are no less complicated. Unlike people, however, they lack our cognitive abilities that…


Signs That Your Dog May Bite

Under the right circumstances, all dogs will bite. This may happen when the dog is guarding something such as its food while eating, or when it’s sufficiently provoked. A dog may bite when it’s startled, is in pain, or is otherwise not feeling well. Preventing dog bites starts with learning to read behavior that says…


Should You Buy a Plane? The Pros and Cons

  Do you have thoughts about buying your own airplane or helicopter? Perhaps you have your license and like the idea of hassle free long distance travel or the simple joy of being aloft and seeing the world as few people do. While renting is another possibility, you may be uncomfortable with not knowing how…


Rescue and Evacuation Insurance for Your Daring Adventure

“Life is either a daring adventure or nothing.” Helen Keller If you live your life as a daring adventure and are off to see the world, make sure you have insurance. You should have at least basic medical and travel coverage. Depending on where you are going, you should consider a rescue and evacuation insurance policy. Rescue…


Do You Need AcroYoga Coverage?

Every AcroYoga instructor should have AcroYoga coverage. Even if the yoga studio you work with has its own insurance policy, most studios do not cover their instructors. If one of your students gets injured, you could be sued. If you’re teaching AcroYoga and you don’t have AcroYoga coverage, you could be putting you whole financial…


Firearm Safety and Your State of Mind

There are various rules of gun safety that if followed diligently, should prevent an accidental discharge of a firearm. One well-known set of rules is Jeff Cooper’s four safety rules: All guns are always loaded. Never let the muzzle cover anything you are not willing to destroy. Keep your finger off the trigger until your…


Protection from animal bites and lawsuits

Best practices in protecting against animal bites — and litigation. Your family pet may be your best friend, but not necessarily your neighbor’s or even your baby’s — and at times, not even yours. According to the Centers for Disease Control and Prevention, dogs bite about 4.5 million people each year. About 885,000 require medical…


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