CGL Insurance – What Is It, How It Works, Who Is It For

CGL Insurance

Are you ready to dive into the world of Commercial General Liability (CGL) insurance? This guide has got you covered from A to C.  We’re talking about what CGL is, how it shields businesses, and the different coverage options. Plus, we’ll uncover those extra layers of protection you might need and give you real insight […]

Homeowners Insurance: Extended vs. Guaranteed Replacement Coverage


What would happen if your home was destroyed and you were forced to rebuild after a total loss? Would your insurance cover it all? The answer is, as uneasy as it sounds, maybe! It all depends on if your insurance carrier is able to offer you extended or guaranteed replacement coverage. In other words, will […]

Saving for College


One of the greatest concerns that comes to mind for many people when thinking of college is, How do I plan to pay for it? As you’;ll discover in the infographic below, the best time to start saving for a college education is right now. The sooner you can begin putting money aside, the better […]

Alternative Investments: Myths & Misconceptions


A lot of misunderstanding surrounds alternative investments. Some investors still think of them as high-risk, exotic funds reserved for ultra-high-net-worth individuals and sophisticated institutions. However, the reality is that alternatives have a place in nearly every portfolio. Myth: Alternative investments are more volatile than stocks and bonds. Reality: While some alternative investments can experience higher levels […]

Alternative Investment Terms: Key Concepts


Investment terms by letter A Accredited Investor – While additional criteria also apply, in general, “Accredited Investors” are individuals with a net worth of $1 million or annual income of $200,000 (or $300,000 joint income with a spouse); or entities with a net worth of $5 million. Alpha – Measures the excess return of a portfolio above […]

10 horrible decisions that will mess up your car insurance


We often forget that our auto insurance policies are contracts. Besides paying your premium on time, in order to keep your car insurance rates down you should abide by your car insurance company’s rules. But how can you abide by the rules when you don’t even know what they are? Here are 10 common scenarios that […]

What is Ordinance or Law Coverage in my Homeowners Policy?


Did you know that after experiencing a homeowners loss, rebuilding your home to meet current codes or demolishing what is left of it might increase your costs up to 50 percent? Certain communities have laws or building codes that greatly affect the reconstruction of damaged homes. These building codes change over time and they rarely become […]

Why Uninsured/Underinsured Motorist Coverage?


It’s scary to realize that some drivers on the road have no insurance or have insufficient coverage. But when you have uninsured/underinsured motorist coverage, you’ll have protection even if you’re in an accident with one of those drivers. Key points about coverage for uninsured/underinsured motorists: As long as you’ve chosen sufficient limits on the policy, […]

Directors & Officers Liability (Private Companies)


D & O Liability definition: Coverage for defense costs and damages (awards and settlements) arising out of wrongful act allegations and lawsuits brought against an organizations board of directors and/or officers. Your organization’s assets and the personal assets of its directors and officers are at risk with every decision you make, every day. Why you and your […]

Top 5 Reasons You Need D&O Coverage


There are many reasons you should protect yourself with Directors and Officers coverage, but the top 5 reasons are: Directors and officers can be held personally liable for claims; organizations increasingly consider personal liability coverage as one of the most important aspects of their D&O program. D&O liability claims related to regulatory actions are increasing for all types of […]

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