I want to talk to you today about a coverage that is very important. It’s called hired and non-owned auto coverage. It typically gets attached to either a commercial business policy or commercial auto policy. What’s this coverage do? Well, this coverage is very important. It protects you in case somebody is using their own vehicle and has an accident, while working on behalf of you. A...

“How much home insurance should I buy?” It’s a common question. There’s several different ways to look at this. If you want to insure for what is known as “replacement coverage,” you need to keep in mind several different things. The biggest thing is: “how much is it going to cost me to rebuild this home or this building if there’s a total loss?”...

There are several different ways to insure items, whether it be buildings, your personal property, business property. Two of the most common ways are replacement coverage or actual cash value. I’m going to help you decide which one is right for you, and I’ll give you a little information on both. Let’s start with actual cash value. Actual cash value is a depreciated value....