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13 Tips for a Safe Halloween

To help individuals, families and businesses enjoy the holiday and protect themselves against Halloween risks, share these safety tips with your clients.

From the Front Lines: Liquor Liability

Despite living in a state where there are no dram shop laws, independent agent Roger Cole always offers his clients liquor liability coverage “because there’s always that anomaly that can take place within the law,” he says. “It’s our job to convince them

Succession vs. Perpetuation Planning

Perpetuation (noun): the continuation, without end. Succession (noun): a following after. No matter which word you use, do you have a plan?

Does an HO-3 Cover Family Members Living Separately in a Duplex?

A named insured owns a duplex, where she lives in one unit and her son and his wife live in the other unit rent-free. Do the son and daughter-in-law have coverage for their contents and liability under the mom’s HO-3 policy, or do they need to purchase th

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