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Halloween Waiver for Trick-or-Treaters

Halloween Trick-Or-Treat Liability and Indemnification Agreement _____________________ (hereinafter referred to as “Trick-Or-Treater”) agrees not to sue, harass, or trick ____________________ (hereinafter referred to as “Benefactor”) for providing free, delicious Halloween treats. Trick-Or-Treater acknowledges and understands that no warranty, either expressed or…

Know Your Coverage

The coverages on your homeowners insurance policy may seem like alphabet soup: A, B, C, D, E…. What are the coverages, and why are they important? Here’s a quick summary.   Coverage A: Anything involving the physical structure of your home,…

How to Create a Home Inventory

Would you be able to remember all the possessions you have accumulated over the years if they were destroyed by a fire or other disaster? Having an up-to-date home inventory will help you get your insurance claim settled faster, verify…

What is Terrorism Insurance Coverage

Historically, terrorism insurance was not offered by most insurance companies because the premiums were too difficult to calculate due to the enormity of a terrorist act. Most terrorist acts cost businesses millions of dollars, so terrorism insurance was never an…