The Exclusions of Homeowners Insurance

Homeowners Insurance

Many homeowners feel that their standard homeowner’s insurance policy will cover all the things they store and keep at their homes. This isn’t always the case, and not realizing the items left unprotected can cause a lot of heartache down the road if something ever happens. Here are some of the things that probably aren’t covered by your policy.

Water Damage and Earthquakes

In many states, damage caused by earthquakes or sinkholes is excluded from a standard policy. In every state except California, a homeowner could add this protection as an endorsement. Flood insurance is also a separate purchase. Other concerns with water damage such as a sewer system, drain, or sump pump back up or overflow are not usually covered either.

Recreational Vehicles

According to the information found at, a homeowner’s recreational vehicles arent covered by a general home insurance policy. Things like ATVs, campers, trailers, or golf carts need a separate coverage plan. Fortunately, a coverage plan that offers golf cart insurance could be included in a well-tailored auto policy.

Maintenance Issues

By using preventative maintenance measures, you can avoid needing to pay for expensive repairs over the course of your homeownership. Damages caused by neglect or a failure to properly take care of the property are not included in insurance coverage.

Your home is one of the most valuable investments you will ever make. However, make sure you have your home’s contents and other personal items insured as well to avoid financial stress.

Ways To Stay Safe At Concerts

U.S. Risk program

It’s one of the greatest joys in life to see your favorite band perform live, but remember to be an accommodating guest. Yes, you’re there to rock out and have a good time but other people are there to do the same. Be safe and courteous as a concert attendee.

Mosh Wisely

There are a time and a place for moshing, but don’t be that person that goes about it all wrong and gets concert crowd control involved. Be courteous of your neighbors; if you’re in the nosebleeds it’s probably wise to stay in your seat, whereas if you’re in the pit then, by all means, have fun and be safe.

Know Your Audience

Not every concert is the ten thousand fists in the air type, some are more formal and somber at times. Understand that jumping on your seat flashing the rock horns at a violin Concierto will probably get you thrown out.

Don’t Bring In Restricted Items

If drugs, alcohol, and lighters are not allowed in the venue, don’t bring them in. Look at your venue’s website to figure out which items you are not allowed to bring in, and while you’re at it read some more insight on crowd control at U.S. Risk programs.

It’s so easy to have fun at a concert, but all it takes is one person to kill the experience. Don’t be that person at the next concert you go to.

Are You Using Keywords the Right Way?

agency tsunami

If you’ve heard it once, you’ve heard it a hundred times. SEO is the king of increasing traffic to your website. This has resulted in many people using keywords as often as possible in an attempt to boost traffic. The truth is that you need to know how to avoid keyword stuffing so you end up with the best results.

Why Overusing Keywords Is Bad

More isn’t necessarily better, especially when it comes to SEO. In fact, using keywords too much within the same page, article or blog post can actually be detrimental to your overall goal. Overusing keywords can make poor user experience and may also result in a penalty from search engines, such as removing your website from the listed results in a search.

How To Use Keywords the Proper Way

Fortunately for you, there are certain methods you can implement that help your SEO efforts deliver good results. According to, some of these methods include placing keywords in the following locations:

  • Within the first 100 words in a page
  • Text descriptors for images
  • Headers and subheads
  • Title tag and meta description

Implement the Best Practices

If your business uses SEO, make sure you know how to avoid keyword stuffing. The point of these special words and phrases is to help your website, not hinder it. So its time to take a look at how you use SEO and make sure you’re not overusing keywords.

Why Is It So Important to Have Toy Insurance?

Toy Insurance

You are the kind of person who loves to have fun and take risks, and what better way to show off your adventurous side than to invest in all kinds of fun toys? Between a garage full of quads and dirtbikes to the snowmobiles that you have in storage, no terrain can stop you. As exciting and fun as your life is, have you got toy insurance to ensure that you, your passengers and all of your babies are protected?

Smart and Safe

If you’re generous about sharing with friends and family, then you want all parties involved to have a safe experience. Equipping them with helmets and other personal protective equipment is helpful and smart, but remember that insurance policies can do the best job of all to protect riders.

The experts at point out the multitude of things that could happen: A collision with another vehicle, for example, which could put you or someone you love in need of medical attention. To avoid costly medical expenses (and yes, even a lawsuit), protect yourself by purchasing insurance specific to your toys. Nobody wants to get injured, but you know that accidents are sometimes unavoidable.

If you’re going to live the adventurous lifestyle, it’s imperative that you’re safe while living it. Protect your vehicles and riders by making toy insurance a top priority.

Insurance for the Gaps in Your Workers Compensation

stop gap insurance

Operating in a state with monopolistic workers compensation markets can introduce gaps in your insurance coverage because typically those policies are dictated by the state’s requirements, without the flexibility that comes when you can bundle it into your other insurance policies or shop around for options for specialized coverage. There is nothing to do about it except finding the coverage you need, and stop gap insurance provides it. This coverage fills in the employer liability protections often included in plans in states with more open markets, so you can manage your risks without any holes in your coverage.

How Stop Gap Coverage Works

This insurance typically requires general liability because this coverage isn’t a single package that robustly covers all your liability, instead it supplements that coverage and provides for the situations not outlined in either your general liability policy or your worker’s compensation coverage. The result is a more robust, nuanced form of protection than you’d have with just those two policies. According to, there are several components that have to come together to make this coverage work, and not every employer needs to worry about it. If you are moving into a new state from one that doesn’t have a monopoly market on worker’s compensation coverage, you need to understand how your operations in that state will have different insurance needs from the facilities you run in other states.

3 Coverage Needs for Property Brokers

HighlandRisk Insurance


Whatever industry you work in, there are liabilities that can jeopardize your operations and your financial stability. Real estate agents are susceptible to lawsuits or clients’ complaints depending on the way a sale or purchase goes. Tiny errors can cause a big problem for your client, which they may hold you responsible for. A real estate agent insurance policy can help protect you during these situations.

The team at HighlandRisk Insurance recommends that every real estate agent carry three types of insurance. These are a professional liability, general liability, and a business owner policy.

  1. Professional Liability. The people using your services trust your expertise and advice for their decision-making. With an errors and omission policy, you can be protected if a client sues you over a clerical mistake or failing to fully inform the client on pertinent information.
  2. General Liability. With a general liability policy, your business is offered protection in claims that may arise from client injury or damage to property. It could also be used for advertising claims, slander, and liable.
  3. Business Owner Policy. A BOP plan combines both general liability coverage and business equipment coverage. This could cover issues with damage related to computer equipment, furniture, or other areas of the property.

These are areas of importance for real estate agents. Look into the specifics that would apply to your business.

The Dangers of Trucker Hypertension

Trucker Hypertension

The trucking industry involves a great deal of risk in terms of liability and the possibility of accidents. Insuring the trucks, business and drivers themselves is vital in order to protect against financial loss, but it is still important to take measures to ensure the safest possible situation. One example of this is the requirement of a regular physical checkup to check drivers’ health. One of the biggest concerns involved is the DOT blood pressure.

What Is Hypertension?

Many health issues can arise from having too high of a blood pressure, which is why it’s so important to have a healthy level when being a truck driver. Heart problems can lead to heart attacks and other sudden difficulties that could be potentially dangerous while driving. If the measured DOT blood pressure is too high, you won’t get a full certifaction or any at all.

  • Below 140/90: non-hypertension.

    The driver is qualified for atwo-year certification.

  • 140-159/90-99: stage 1 hypertension.

    The driver will receive a one-year certification, during which you are expected to lower your blood pressure to below 140/90 to receive annual year-long certifications.

  • 160-179/100-109: stage 2 hypertension.

    A three-month certification is given to the driver while they take antihypertensive medication, and will then be annually checked for 140/90 or lower.

Above 180/110: stage 3 hypertension. DOT blood pressure this high will result in no certification until the blood pressure is at or below 140/90, and will then require biannual checkups.

What You Need to Know About Vape Bans

What You Need to Know About Vape Bans

If you’re a part of the vaping community, then you’ve probably heard some pretty scary stories surrounding deaths and illnesses from unsafe vape cartridges. If you’re not sure what is fact and what is fiction, here are a few FAQs to clear the air.

What Is Known

As of October 8th, 2019, 26 deaths linked with vape use have been confirmed in 21 of the United States. The use of only nicotine vaping was reported in lung injuries and illnesses as well. While it’s true that most of these illnesses and deaths have been associated with exclusive cannabis vaping, it’s also true that the cartridges associated are thought to be purchased off the street rather than from a legitimate, licensed dispensary. Safe cannabis vape cartridges have gone through rigorous testing and are created with no additives and all-natural products.

What Is Unknown

Chemists are still not sure what is causing these illnesses, the only link so far is the reported use of vaping by patients. Generally, professionals are warning users to refrain from purchasing products off the street and stick to well-respected head shops like King Harvest Medical Cannabis Care to avoid illness or injury.

While it’s unnerving that we know so little and still don’t yet know what is causing these illnesses, it is a good idea to put your health first and avoid the use of products that could hurt you. Purchase only items that have gone through state and federal standards and are sold legally.

Signs a Company Has a Fake Employee

World Wide Specialty Programs

Everyone’s heard of “Bob in Accounting,” but nobody knows who he is. It’s a long-time trope in TVs and movies, but in the real world, not knowing who your employees are can mean big trouble for your small business. According to World Wide Specialty Programs, nearly 30% of small businesses have a ghost employee and don’t even realize it.

Defining the Ghost

You’ve probably heard of shell companies. These fake companies are used to funnel funds and make illegal payments to CEOs. A ghost employee is essentially a shell on a smaller scale. The fake employee looks real on paper and can go unnoticed for months in some businesses. In reality, someone else is fraudulently accepting the ghost employee’s paychecks. Most of the time, the ghost is a completely made-up person, but sometimes a real person’s identity is unknowingly involved.

Creating a Ghost

Thieves create ghost employees in several ways. Sometimes, an actual employee leaves the company but someone keeps them in the payroll for several extra pay periods and takes the money. Other times, an employee goes on leave without pay but someone marks him as present and takes the money. Finally, some people create entirely fake identities and maintain them in the accounting system to intercept paychecks made for the fake person.
If you suspect a ghost employee on your company’s payroll, consider whether the person has few or no deductions, as this is a common sign. Get rid of and prevent the problem by ensuring payroll procedures are implemented legally and properly and never allowing the same person to run every part of payroll. A crime insurance policy will also help in the event that someone does steal from your business.

Do Whats Right for Your Health Industry Business,

In order for you to keep your insurance company successful, it is important to take time to look over the various challenges you might encounter along the way. When your company is responsible for providing health insurance plans and coverage options to consumers, then you might encounter a significant number of unique issues that are specific to your industry. Knowing where to turn can make all the difference and help you see the success you deserve.

Appropriate Coverage

As reported on, finding professional liability and general liability insurance solutions can be a difficult journey. While you might be able to help your clients find fitting health insurance plans, it doesn’t mean you know how to go about finding insurance to cover your allied health insurance business. This can be a lifesaver if your company specializes in at-home services, which tends to be one of the more volatile areas for insurance claims.


When selecting a liability policy, there are a few considerations to take. Be sure to think over the following to make the right decision for your company:

Available aggregate
Additional premiums
Deductible minimum

It is not always going to be easy to protect your business. As long as you give yourself time to look over your options with liability coverage, you will be able to find the right path for your needs.