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The Right to Select Counsel, Part 2 This is continuation of our series, “The Right to Select Counsel” For part 1, click here. Location Matters While the previous example seems reasonable, every state has different requirements for independent counsel. New York requires a reservation of rights to result in a conflict of interest before a

The Right to Select Counsel, Part 1 One of the reasons we buy insurance, whether it’s homeowners insurance  or workers comp insurance,  is to aid us in court should we be held liable and sued. However, what happens when this liability coverage (sometimes referred to as “litigation insurance”) is compromised by interests that work contrary

P & C coverage – Do you Have It? Ever hear of property and casualty insurance? It’s a strange term, isn’t it? However, the meaning may be vague for the normal consumer. In laymen’s terms, property and casualty insurance (“P&C” in industry terms) is a broad type of coverage that helps protect the things that

Plan to Rent Out Your Home – Landlord Insurance or Homeowners Insurance? (Part 2) In part 1 of this series,  we looked at the various benefits of having a landlord insurance policy to protect your investments. Continuing, we’ll continue more factors to consider for adequately insuring your home when you rent it out.   The

Planning to Rent Out Your Home – Landlord Insurance or Homeowners Insurance? (Part 1) Purchasing a second home in the near future and plan to rent it out to others? Plan to rent out the spare rooms in your home via Airbnb? If so, do you know what kind of insurance policy you might need

Car Insurance after DUI? We’ve all made mistakes in our lives, but none can change the course of your life the way a DUI/DWI can. If you’ve driven under the influence of drugs or alcohol and have been determined by police to be a danger to public, you’ve likely been charged with a DUI, driving

Insurance and the Importance of Definitions For anyone who has ever taken a look at their insurance policy’s fine print, you may have noticed the writing to be difficult to read. Policies have been dejargonized over the years, but not enough for a layman to read. While interfacing with clients, insurance agents and brokers tend

HO-6 Condo Insurance Required by Law by Lenders If you’re new to insuring your condo, the best way to think about it is that a condo/townhouse insurance (known as an HO-6)  is very similar to a renters’ or homeowners’ insurance policies, but with more extras. An HO-6 provides what is known as “walls in” or “studs

Why Do I Need to Get a Photo Inspection? Auto insurance  is mandatory for driving in the United States, but did you know that some states and insurance companies require you to have your vehicle inspected and photographed before finding coverage? In this article, we’ll take a look at just what you have occurs during

Involved in a Car Accident That’s NOT Your Fault? Here’s What to Do (Part Two) In the last article, we discussed what to do after an accident occurs that is another driver’s fault. In Part Two, we’ll highlight some other tips to follow to recoup all of your damages as smoothly as possible.  Out of