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…


Pilot Liability: Two Common Causes of Small Plane Accidents

Pilot Liability: Two Common Causes of Small Plane Accidents   Accidents will always happen. Whether from driving a car or flying a small aircraft, the risk is always there. When flying, the best you can do to prevent this risk from becoming reality, is to continually hone your skills, be relentlessly methodical, and exercise caution….


Specialized Personal Liability Coverage: When Homeowners Liability Falls Short

Specialized Personal Liability Coverage: When Homeowners Liability Falls Short   Loosely defined, negligence is the failure to use reasonable care that results in the injury of another. The slippery phrase in this definition is “reasonable care.” What seems reasonable to you may not agree with the assessment of the lawyer prosecuting a lawsuit against you. Suppose you…


Animal Liability: Circumstances That May Cause the Family Dog to Bite

Animal Liability: 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…


Pilot Liability: Why Private Planes Have the Highest Crash Rate in Civil Aviation

Pilot Liability: Why Private Planes Have the Highest Crash Rate in Civil Aviation Private planes have a substantially higher crash rate than that of commercial aviation. Why is this? A number of factors contribute to this statistic such as the safety of the planes, pilot skill, and looser regulations than those governing commercial pilots and…


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

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…


Three Ways That Dogs Cause Animal Liability Lawsuits

Three Ways That Dogs Cause Animal Liability Lawsuits   Humans domesticated dogs over 10,000 years ago. Because of their long association with humans, they are more adept at understanding our emotions and intentions than any other animal species. However, this understanding is limited as is ours of them. People mistakenly treat their dogs as if…


Avid Outdoorsman? Specialized Personal Liability Coverage Can Fill Insurance Gaps

Avid Outdoorsman? Specialized Personal Liability Coverage Can Fill Insurance Gaps You’ve been an active outdoors person for most of your life and love to backpack, kayak, and even rock climb. To you, all of these activities seem perfectly safe provided that one uses common sense. You may even make your weekend outdoor excursions a family…


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