February 27, 2013

HELI EXPO 2013 Helicopter Pilot Insurance

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December 21, 2012

How to Get a Free Windsock

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XINSURANCE.com offers individual liability protection to aviation professionals.

Pilots of all experience levels qualify for coverage. Customized coverage is available for professional pilots, recreational pilots, CFIs, AMTs, student pilots, helicopter owners, fractional owners and private contractors. Coverage for fixed wing, light sport aircraft, experimental, medical transport and more. Your special skills and business operations aviation career expose you to significant liability and lawsuits are filed every day. If an incident or claim results in a lawsuit, the cost of a defense can be overwhelming. XINSURANCE partners with you to customize coverage based on your needs and then provides a defense if you are named in a lawsuit. XINSURANCE is the added protection that more and more pilots and aviation career professionals are finding to be a trusted resource. Each policy is customized based on your individual liability risks.

Visit www.XINSURANCE.com/pilot or email info@XINSURANCE.com, or call us at 1-877-585-2853 to get a free insurance review and we’ll send you an XINSURANCE windsock for free!

October 2, 2012

Protecting Institutions from Employees

Apples are wonderful, but it only takes one bad apple to spoil the bunch. The same can be said of employees. Most are wonderful, well-intentioned contributors to a culture of success.

However, one employee acting irresponsibly can cause a great deal of harm to any organization. For example, take the recent case of Pennsylvania State University and their former assistant football coach, Jerry Sandusky.

For the few people in the country unfamiliar with this tragedy, Jerry Sandusky was convicted in June of sexually abusing several boys. Most were abused inside of campus buildings, which is not only horribly tragic, but put the university itself under legal fire. According to Chad Hemenway of Property Casualty 360, Penn State finds itself now sorting through multiple settlements for Sandusky’s victims. Click here to read more »

September 28, 2012

Specialty Dog Policies

I tightened my helmet, secured my kneepads, and snapped my buckles into place. I was nine and it was rollerblade time. I always had a great time cruising the mean sidewalks of suburbia in my neon rollerblades, but this day was exceptionally great. I even landed a jump. Then it happened.

A furry little monster blindsided me from behind, and I went down. Long story short, my rollerblades were viciously and brutally attacked by the neighbor’s three-pound Pomeranian, Mr. Fluffy. Click here to read more »

August 3, 2012

Protecting What You’ve Worked So Hard For- Asset Protection Insurance

So much of life is work.  Work to achieve goals.  Work to improve skills.  Work to increase means.  Work to improve productivity.  And actually most of it is totally worth it.  Anyone who’s worked for something, staying focused through the long haul, knows that what you achieve becomes intrinsically valuable.  Add to that the inherent monetary value, and you’ve got something you most certainly want to protect.

Ironically through all that work you’ve put in, you are vulnerable; vulnerable to losing your assets to taxes, creditors and abusive claims.  That’s when Asset Protection steps in.  While there are ample suppliers of asset protection insurance against taxes and creditors, there is an underestimation of the need for protection against abusive claims. Click here to read more »

July 31, 2012

Why Renting to Dog Owners Could Cost You Everything

As a landlord, I was stunned to hear news last week of an opinion issued by the Kentucky Supreme Court, which stated that landlords could be held liable if their tenants’ dog bites someone. Now, instead of simply weighing the usual wear-and-tear costs associated with allowing dogs in rental units, landlords will need to determine whether renting to dog owners could put their very livelihood at stake.

Jeffrey Greenberger, attorney for the Greater Cincinnati Northern Kentucky Apartment Association, responded to the opinion by calling it “scary.” He added he “knows of no other case where the landlord is treated as though he owns the tenant’s pet.” Click here to read more »

July 25, 2012

Clear Skies Ahead

My grandfather was an Air Force helicopter pilot in the Vietnam War, flying the Sikorsky MH-53 Pave Low—more commonly known as the “Super Jolly Green Giant.”  He would pick up wounded soldiers and transport them to medical bases, which routinely put him in dangerous situations.

My brothers and I used to sit around his chair and listen to him tell stories about flying, and loved hearing him talk about the logistics of flying helicopters. Click here to read more »

July 18, 2012

Do I need insurance for my dog?

If you think about it, animals share a common trait with cars, boats, and houses—when tragedy strikes a lack of liability insurance in these areas can be life altering.

And not in the “I won $27.3 million in the lottery” way.  Rather, the “I need lawsuit protection so I don’t lose everything I own” type of way. Click here to read more »

July 11, 2012

Man’s Best Friend… Most of the time!

Even a small dog bite can be an ouch!  Dog bites account for approximately 360,000 emergency room visits per year. Victims more often than not file lawsuits seeking for payment of medical bills, loss of income, and compensation for pain and suffering. Dog bites are the biggest cause of homeowner’s insurance claims and some are limiting or eliminating the coverage altogether.  If you are the loving owner of a dog that is not covered by your homeowner’s insurance, you might want to invest in a policy that will protect you and your beloved pet from liability situations. Even a nip could leave you vulnerable to a lawsuit. XINSURANCE will provide coverage no matter what the dog breed.  In many cases there are state, local and county ordinances that require pet owners, homeowners, renters, and even landlords to have animal liability insurance coverage in place.

Owning a pet can be an extremely rewarding experience but it also brings a certain amount of responsibility and risk no matter the breed or the temperament of your dog. Becoming informed on your homeowner’s policy and what additional coverage you may need is a good way to ensure peace of mind and stay out of the doghouse for good. Click here to read more »

June 20, 2012

Legal Liabilities Faced by Homeowners Associations

Directors of HOA organizations have the unenviable task of completing large “to do” lists while assuming the risk of offending neighbors if they don’t like your decisions.  While maintaining the common areas in their neighborhood, directors must:

  • Act in good faith and candor
  • Act in the interests of another and avoid transactions that result in personal gain
  • Not exert undo pressure or act without the knowledge and consent of those he represents Click here to read more »