Caves have been a part of human existence ever since the beginning. Our Neanderthal ancestors lived in them and drew pictures in them. Today, bomb shelters aside, we mainly use them for more recreational purposes.
You’re a winery owner and you need insurance. How do you find the right policy? What do you look for? Or maybe you already have insurance. How do you know it’s covering you properly? Here are a few tips.
If you’ve ever purchased a policy through a Non-Admitted insurance company, you might remember having to sign that two page form written in ALL CAPS. Of all the insurance forms it’s easily the scariest. Why? Because of the font, of course.
Waiver of Subrogation Endorsements are confusing. According to the spell check application editing this content, the word “subrogation” doesn’t even exist. If you have ever come across one when dealing with your commercial insurance, you know it most certainly does exist, although you may not know what it is. Is it possible to unlock this mystery?
You’re a farmer and you store your stuff (tractors, machinery, equipment, supplies, etc.) in your barn. Because your stuff is so vital to your operations, you’ve taken many steps to protect it. You lock your barn every night. You also have it alarmed. And in case something does happen, you have it insured. But one night at 3am….
There is something magical that results when grapes sit and do nothing: they turn to wine. The environment and conditions have to be just right, but with enough time, grapes become wine by virtue of sitting still.
First, when I say blanket insurance, I’m not talking about insurance on a comforter, throw, or quilt, although technically, blanket insurance could be applied to those things…. Confused? Let me try to clear things up here.