Entertainer Liability: The Show Must Go On

Nothing compares to live entertainment. Whether you are working as a clown at local birthday parties, a magician at corporate events, or even as a deejay at the hottest clubs in town, for that one brief moment in the spotlight, you are an undisputed star. Unfortunately, bad things can happen to good people at any…


Why Outdoor Adventure Guides Need Specialized Personal Liability Coverage

You have a passion for an outdoor adventure activity such as kayaking, rafting, rock climbing, bushwhacking, orienteering, or mountaineering. Perhaps you teach and lead groups free of charge, or do it as a side business. You may even have employees. In any case, you’re doing what you love and are teaching others who share your…


Animal Liability: What to Do When Your Dog Bites Someone

If your dog bites someone, is it reasonable to expect that the incident won’t cause a lawsuit? Decades ago, the answer might have been a no, if the victim’s injuries weren’t severe. Today, however, dog aggression that causes a fatality or grisly mutilation gets a lot of media coverage. The Internet is full of photos,…


Pilot Liability: The Perks of Holding a Private Pilot’s License

Many earthbound people perceive the world of private aviation as a collection of pilots who fly around in small helicopters. Beyond this and perceptions of danger and risk, little thought is given. However, to many aviation enthusiasts, it’s a lifestyle like no other. Here are four reasons why:   It’s Less Stressful Than Driving a Car…


Why Police Officers Should Have Individual Liability Insurance

Being a police officer or any kind of law enforcement professional can be extremely stressful. The last thing you need to worry about is whether you have adequate insurance. You might think or even assume that your department can provide insurance or cover legal costs but sometimes your department can’t or won’t cover everything. Whether…


Frivolous Lawsuits Begone with XINSURANCE

Society has become increasingly more litigious, with 15 million civil cases filed in the U.S. each year alone.* Common cases include traffic accidents, construction accidents, dog bites, defective products and medical malpractice. If on the defendant side of the aisle, you’re subject to innumerable court dates, constant dealings with lawyers and missed days at work, not…


Two Little Known Animal Liability Gaps in Your Homeowners Insurance

If your dog bites the UPS delivery person and he sues you, will your homeowners animal liability cover your legal defense and possible damages? It depends. If your dog’s breed is considered dangerous, then your dog may be excluded from coverage. This is fairly well-known, at least in the sense that anyone concerned about exclusions…


Specialized Personal Liability Coverage: Customizing Your Protection

Traditional insurance can oftentimes reveal its extreme limitations, despite being a necessary part of life. For people like you who may have a specialized career, have you really checked your liability insurance coverage? You may end up getting a chill when you find out many offbeat injuries aren’t covered. It’s a major flaw in mainstream…


Thinking Ahead for the Unthinkable

Like most prudent adults, we all try to live fairly responsibly, right? We’re careful with our pets, mindful of our guests, and don’t participate in anything too outlandish; so it would stand to reason that we might not think we need to invest in any additional insurance.  But the truth is that accidents can and do happen, and…


Firearm & Concealed Weapon Coverage: What Is and Is Not Covered by a Standard Homeowners Policy

If you’re a gun owner, you might want to consider adding firearm & concealed weapon coverage. While your standard homeowners insurance policy will typically cover firearms that are stolen or damaged in a fire, it does not cover your personal liability should you shoot an intruder. According to Insure.com by adding firearm & concealed weapons…


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