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Workers’ Compensation: 101

At its most basic level, a workers’ compensation policy protects employees by providing medical payments and lost wages for an on the job injury or disease. Simple right? I wish it were that easy. The first thing you need to know is that there are two parts to a workers’ compensation policy – Workers’ Comp […]

What is a Personal Umbrella?

We’ve all heard the term, but what is a personal umbrella and why do I need one? The basic function of a personal umbrella policy is to provide coverage in excess of your underlying policies. So for instance you may have an auto policy, a home policy, and a motorcycle policy. Each of them will […]

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