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…

In one of the highest profile legal trials we have seen in years, Amber Heard’s legal fees are being paid for by her insurance company. Most homeowner’s insurance policies will cover Personal Injury offenses, here are a few examples: False…

It’s no secret that construction costs have gone through the roof, literally! One lesson the insurance industry has learned from the Marshall Fire on December 31st 2021 is that many homes were underinsured, up to 2/3!! We are not surprised,…

On occasion we receive calls asking about gap insurance so we wanted to take the opportunity to explain the coverage. Gap Insurance only comes into play if a car has been totaled in an auto accident. Gap Insurance pays for…

This is a great question and one that is hard to answer until….you have a claim. The easiest way to explain HO5 or Special Personal Property Contents coverage is that it will give you broader coverage and higher limits for…

The answer is no, Utah like Idaho and a few other states does not have an over-insurance statute, yet. A Utah Over Insurance statute has not been necessary because many states already have Over Insurance statutes and the mortgage companies…

The average settlement for a dog bite claim across the United States is about $40,000 according to the Insurance Information Institute. In Utah its much lower than that and states like California bring the average way up with an average…