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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...

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...

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...

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...

Is Specialized Personal Liability Coverage Right for You? At first, specialized personal liability coverage  might sound like a hard sell. Once you have automotive and home insurance, why would you need to buy anything else? After all, your home and auto policies cover personal liability. However...

The Importance of Firearm & Concealed Weapon Coverage According to the United States Government Accountability Board, there are over 8 million active concealed carry permits across the country. Responsibly armed citizens are well-trained in gun safety, basic marksmanship, and local laws.  Additionally, many commit to improving skills, reciting...