Personal Lines

The purpose of most endorsements is to amend policy forms by either broadening or restricting coverage. Other endorsements simply clarify the intent or scope of coverage. Finally, some endorsements are…

Getting a new car is usually fun and exciting. But having a total loss on a new car causes a double-whammy: the extreme disappointment of the loss of a new…

Your insured owns a company that has no auto coverage. For tax (or other) reasons, the company buys a car then leases it to the owner, your insured. He wants…

Independent agencies are not like many other businesses. They have unique cash management opportunities. A bank that recognizes this difference will offer a variety of specialized products, competitively priced, to help agents…

ATMs revolutionized banking more than 25 years ago and today online banking is now commonplace. And, now a new banking product, remote deposit, is being utilized to greatly improve business efficiencies,…

Current working partners have to find a way and method of buying out a deceased or permanently disabled member. A well prepared Buy-Sell agreement prepares for this possibility. Once again,…

A business owner may be surprised to learn that a small loss to business property ends up with a much larger loss of income. That problem may be solved with…

Estate planning generally consists of a plan to distribute accumulated wealth upon death, using life insurance to protect survivors from financial distress, and minimizing taxes and expenses associated with this…

Estate planning can be defined as planning for the transfer of wealth (a large amount, a small amount, or something in between) at a person’s death, and the making of…

Because a bank deposit is a loan from the customer to the bank, like any loan or contract in general, it’s quite possible that the bank’s promise to repay the…