All Posts

Who's responsible when someone slips on ice outside your rental? Minnesota sidewalk rules, what your lease can and can't do, and how landlord insurance responds.

What hired and non-owned auto covers for Arkansas contractors: employee and subcontractor vehicles, rentals, limits, and what it doesn't cover.

DP1, DP3 and HO-4 explained for Minnesota landlords: what each covers, where DP1 leaves gaps, and why a homeowners policy stops fitting once you rent.

Shopping for coffee shop insurance in the Twin Cities? What a BOP covers, the gaps to check, and Minnesota's workers' comp and liquor rules.

What drives commercial auto premiums for Arkansas roofers: drivers, truck weight, radius and claims, plus USDOT and CDL rules and coverage gaps.

A BOP bundles liability, property and business income. When it's the better buy, when separate policies make sense, and how to compare quotes fairly.

Arkansas Airbnb and VRBO hosts: why a regular homeowners or landlord policy may not cover guests, what AirCover does and doesn't do, and how to close the gap.

Additional insured, waiver of subrogation, primary and non-contributory, and limits: what Minnesota GCs ask subcontractors to show on a COI.

What business property insurance pays after an Arkansas tornado: wind and hail deductibles, signs, business income, and steps before storm season.

Many personal umbrella policies leave out rental property. How landlord umbrella coverage works, what it needs underneath it, and how much to carry.

When a subcontractor's truck damages a customer's property, whose insurance pays? How the sub's auto, GL, hired and non-owned auto and endorsements fit.

What a contractor's certificate of insurance shows, how to check it's real, and what Minnesota requires. A plain guide for homeowners, clients and contractors.

Does homeowners insurance cover Halloween accidents? Liability, dog bites, decoration and string light safety, and what to do if someone is hurt.

Your general liability premium can rise even with no claims. The real reasons, including the year-end audit, and what to ask your agent at renewal.

What to keep in a roadside emergency kit, what to do if you hit a deer in Minnesota, and how comprehensive and roadside assistance coverage help.

Do winter tires lower your insurance? Minnesota's studded tire rules, what your auto policy covers when you slide on ice, and winter tire tips.

Which home safety upgrades can earn an insurance discount, what proof insurers ask for, and Minnesota's smoke and carbon monoxide alarm rules.

A practical winter checklist for Minnesota shops and offices: snow and ice, roofs, frozen pipes, heating, staff, and the insurance to review before the cold.

What renters insurance covers, common gaps like cell phones and lockouts, how camera footage helps a claim, and winter tips for renters.

Ice dams, frozen pipes, sump pump backups: what a Minnesota homeowners policy covers in winter, the common gaps, and the questions to ask your agent.