Monopolistic states do not allow private companies like those represented by insurance agents to compete in the workers’ compensation market. Coverage is provided solely by the state and must be purchased directly from them. Wyoming, Washington, Ohio and North Dakota…
Most companies that independent insurance agents represent use a universal homeowners insurance form provided by the Insurance Service Offices – ISO called the HO3 policy. Within the HO3 policy there are limitations on personal property items to be aware of.…
There is a saying within the insurance industry and as insurance agents we have probably not done a very good job of relaying that message. That message is that homeowner’s insurance is not a “maintenance policy.” What exactly does that…
Blanket Insurance is an insurance term that has a few different commercial and personal lines applications. In this article we will focus on blanket coverage for commercial buildings, primarily apartments and other commercial buildings with more than one building on…
You have worked hard, have a nice home and expect that your homeowners insurance will work hard for you in the event of a claim. Don’t settle for just any homeowners insurance coverage, you need coverage from Anderson Insurance Group…
At Anderson Insurance Group we have been through many scenarios where landlords call, their rental property has been involved in a fire and their tenant has nowhere to go, no coverage for their “stuff” and the landlord is left with…
Water Seepage and Leakage is a broad term that describes water damage normally hidden behind a wall or cabinet. This damage occurs over an extended period of time from water that escapes from a water or drainage pipe. Over the…
The best way to describe an Ordinance & Law loss is that it’s a consequence or result of a covered loss. A few years ago an apartment owner insured with our agency had a fire in his apartment building that…
Everyone appreciates a good handyman and when you can assure your clients that you are licensed and insured they will feel even more confident using you and referring you to others. Here are the requirements for a handyman license in…
All Utah employers are required to provide workers compensation coverage for their employees. There is however an exception to this law and it’s for individuals or certain companies with no employees. These individuals or companies can “waive” their right to…
