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An Animal Wrecked My Home! Am I Covered?

An Animal Wrecked My Home! Am I Covered?

Anyone who lives in a rural area understands that home life and wildlife sometimes overlap in unfortunate ways—birds nest on the light fixture by your front door, or your dinner guests’ appetites are spoiled by eau de skunk—but what about those times when an animal does actual damage to your home that will require expensive, professional repairs? Will your insurance policy cover it?

Cyber Data Insurance: Food For Thought

Restaurant owners have to pay close attention to the many facets of insurance protection from workers’ compensation to theft, fire protection and many others, however, many owners would argue that liability protection has the greatest possibility to shut the doors.  Liability is not measurable.  If your building were to burn down to the ground, you can measure what it will cost to rebuild.  There is hidden responsibility in your liability protection that could make you susceptible if a lawsuit arises.