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Amity Insurance Newsletter – October 18, 2011

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Featured Articles

Does a Homeowners Policy Cover Your Home-Based Business?
With both technology and the internet, more and more people are running home-based businesses, either full-time or part-time. But will a homeowner's policy cover the risks of a home-based business? In nearly every case, the answer is no. The only exception to this might be if a homeowner's policy has a special endorsement, such as an endorsement to run a day care operation from your home. Yet fewer and fewer companies offer such endorsements. Additionally, some policies may give a very limited amount of coverage for business property, such as a computer. The bottom line is, nearly all homeowners policies clearly exclude business operations and not having a proper coverage in place can leave you with uninsured exposure. This is why you need separate business insurance to cover your home-based business risks...More>>

Save Money by Avoiding These Costly Insurance Mistakes
When it comes to purchasing insurance, fear is an important motivator. We are justified in our worries about protecting assets such as homes and automobiles, and we buy insurance to protect our financial integrity. Despite our best efforts, sometimes our insurance does not offer full financial protection. This is not necessarily because there is a problem with the insurance policy; it can be a result of human failure. When purchasing an insurance policy, many people fail to look at the true level of coverage that is necessary to restore assets to their pre-disaster conditions...More>>

Why D&O Coverage is Vital for Small and Medium Firms
Directors and officers liability coverage is important for all medium and small firms. This form of coverage protects personal assets of directors and officers during a lawsuit stemming from mismanagement. When they're charged with mismanaging the company, directors and officers who don't have this type of insurance face the risk of significant losses. Directors and officers liability affords them the protection they need, and money for their legal expenses is provided. If the company they work for must be brought into the lawsuit, this coverage may also be extended to include the company itself. There are many other beneficial provisions these policies offer. Keep reading to discover why this coverage is both essential and beneficial...More>>

Is it Possible to Get Reliable Health Information Online?
Individuals have more access to health information than they've ever had before. A simple Google search on a specific health topic can yield advice from hundreds of different sources. While access to the information has improved with the inception of the internet age, the resulting concern is often the quality and reliability of the various information and contributors...More>>