Aegis Blog

5 Common Contractor Insurance Claims

5 Common Contractor Insurance Claims

The construction business is a risky one. From on the job accidents to extreme weather, traffic collisions to vandalism, there is no shortage of possible ways for contractors to incur losses. But with the right coverage in place, your construction business doesn’t have to lose money if the unexpected occurs. Here are some of the most common ways contractors lose money when something goes bad - and the insurance policies that can help you keep yours. 5 Common ...
Overcoming Challenges in Seasonal Outdoor Business

Overcoming Challenges in Seasonal Outdoor Business

Running a seasonal business isn’t easy. Entrepreneurs with seasonal businesses put in just as much work as a year-round enterprise with the majority of revenue compressed into a few, short (and crazy-busy!) months. Seasonal businesses bring their own unique challenges. Here are a few tips to change your business from something as unpredictable as the weather into something as predictable as the changing of the seasons. Make the Most of Peak Season Every seasonal business owner tries to pack ...
Understanding Homeowners Insurance NonRenewals

Understanding Homeowners Insurance NonRenewals

Californians who live in high-risk fire zones have their share of challenges protecting their homes from seasonal blazes, not the least of which is remaining insured. After facing mounting wildfire losses – more than $12 billion in 2018 alone – many property insurers are deciding that issuing homeowners’ insurance in certain areas of California is just too risky. Here’s what you need to know about homeowners’ insurance nonrenewals: Insurers Have the Right to Not Renew Your Policy There’s ...
Tips To Save Money On Insurance For Your Business

Tips To Save Money On Insurance For Your Business

Does business insurance feel complicated and costly? It doesn’t have to. Arm yourself with knowledge so you can be sure you’re getting the coverages your business needs while saving money wherever possible. Know What You Need Businesses come in all shapes and sizes, and taking a close look at yours will help you determine which coverages are essential and which are not. Here are some factors that can impact your insurance costs. Type of Business Your business is not ...
What You Need to Know About Whole Life Insurance

What You Need to Know About Whole Life Insurance

Deciding what kind of life insurance is right for you and your family can seem daunting, but it doesn’t have to be. The more you know about your coverage options the better able you will be to determine which is the best fit for your family. For many, the best fit is whole life insurance. Learn how whole life coverage works, how it differs from other life insurance policies, and determine if it’s the right policy for ...
What Does Contractor General Liability Insurance Cover?

What Does Contractor General Liability Insurance Cover?

Accidents happen. This is true in every line of work but even more so in the high-risk industry of construction. And with this higher risk of accidents comes the very unpleasant possibility of getting sued. It is not uncommon for contractor businesses to be on the receiving end of a lawsuit. Whether perceived or real, clients will not hesitate to take you to court if they feel your business is at fault for damages or injuries they ...
5 Most Common Small Business Insurance Claims

5 Most Common Small Business Insurance Claims

It’s easy to think it won’t happen to you. But accidents and unexpected surprises happen every day to businesses just like yours. “An unexpected event happens more often than many small business owners realize,” said senior vice president of Small Commercial insurance at The Hartford, Stephanie Bush. After analyzing five years of data from one million policies, The Hartford identified the most common claims your business is most likely to face. 5 Most Common Small Business Insurance ...
What is Term Life Insurance?

What is Term Life Insurance?

Would your family be able to carry on without major financial difficulties if you were to pass away unexpectedly? It can be hard enough for a family just trying to recover from the loss of a loved one and cover funeral expenses or unexpected medical bills. But imagine your family realizing a few months down the road that there isn’t enough income to cover the mortgage, car payments, and living expenses. With life insurance, you’ll have ...
What’s Not Covered by Homeowners Insurance?

What’s Not Covered by Homeowners Insurance?

Homeowners coverage is designed to give you peace of mind, knowing that your policy has you covered when your home and property suffer damage from unforeseen perils. While a typical homeowners insurance policy is quite comprehensive, there are certain types of damage that are usually not included. It’s important to know which perils aren’t covered under a typical homeowners insurance policy so that you can talk to your insurer about additional coverages that suit for your ...
Protecting High-Risk Homes In CA: The Wildfire Survival Guide Infographic

Protecting High-Risk Homes In CA: The Wildfire Survival Guide Infographic

In California, there seems to be no end to fire season.  And no end to the destruction that wildfires bring up and down the state. Each year, wildfires in California get larger and more destructive than previous seasons'. In 2017, since the start of the Fire Siege on October 8, CAL FIRE responded to 250 wildfires in California. At its peak,11,000 firefighters battled 21 major wildfires that forced 100,000 people to evacuate, destroyed an estimated 8,400 ...

 

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