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Partners Insurance Agency Blog

View the latest blog posts from Partners Insurance Agency.

Adult Children and Your Liability if They're Negligent If you have an adult child who you are still paying some expenses for, or they are studying in college (living either away from you or at home), you could still be held liable for any damage they cause through their own negligence. READ MORE >>

Toilet Failure Is A Leading Cause of Residential and Commercial Water Damage Leaky plumbing fixtures and burst pipes are common reasons for home and commercial water damage insurance claims every year. Some common issues with toilets can lead to serious water damage, and many plumbing problems are preventable with regular maintenance and a watchful eye. READ MORE >>

Vacant Buildings Pose Risks, Insurance Challenges According to the website Statista.com, the average vacancy rate for offices nationwide in the second quarter of 2018 was 12.2%, while 12.1% of retail spaces and 7.8% of industrial spaces were vacant. READ MORE >>

Do You Need Workers' Comp Coverage for Family Members? One question we get often from small business owners is whether they have to secure workers' comp coverage for family members that work for them. The short answer is "yes," in most cases. READ MORE >>

Fifteen Warning Signs of Workers' Comp Fraud Workers' compensation fraud costs the insurance industry roughly $5 billion each year, according to estimates by the National Insurance Crime Bureau. And depending on whom you ask, fraud accounts for as much as 10% of the costs of all workers' comp claims. READ MORE >>

Why Your Firm May Need Professional Liability Coverage A majority of companies are leaving themselves exposed in one crucial area as they take on high-end professional services work.  As more companies' work is intangible, many firms are missing a critical element of protection for their professional services. READ MORE >>

What Is a Workers Compensation Rating and Why Does It Matter? Most business owners and executives understand the value of workers compensation insurance not just to protect the worker, but to protect the company as well. Fewer, however, are aware of the mechanics of how premiums are arrived at, and how their own company's safety track record figures into their rating. READ MORE >>

How Does Insurance Cover Your Business Off-Premises? Most businesses must purchase both property and liability insurance. Lenders that have financed the purchase of buildings, equipment, furniture, merchandise and other types of property will require property insurance. READ MORE >>

Personal Insurance will not Protect your Business Every year, millions of Americans start their own businesses. They come up with new ideas, buy some equipment, run advertisements, line up some customers, and they think they're all set. However, if they forget one extremely important item - insurance - they are far from ready. READ MORE >>

When Does Your Commercial Liability Insurance Company Have to Defend You in Court? Most insurance policies will provide some level of indemnity if you are financially harmed by something covered by the policy. That's the whole point of having insurance, right? But financial pain isn't the only kind of damage you may suffer. READ MORE >>

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