Tag

liability coverage

Oct 02

Halloween Safety and Personal Insurance: Tips to Protect Your Family and Home

By Personal Insurance
Halloween is a time for spooky fun, creative costumes, and gathering treats. While you're busy planning the perfect costume or stocking up on candy, it's also a good time to think about keeping everyone safe. A few simple precautions can prevent accidents and injuries. This guide covers essential tips for Halloween safety and personal insurance, helping you protect your family and home from unexpected frights. By understanding the risks, you can ensure your holiday remains a treat, not a trick.
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Feb 01

5 Scenarios Where Umbrella Insurance Can Save You

By Personal Insurance
You work hard to protect your assets with insurance. But what if an accident or lawsuit goes beyond your regular coverage? Umbrella insurance adds extra liability coverage to shield your savings, home, and income—showing how umbrella insurance can save you when the unexpected happens. Here are five scenarios where umbrella insurance can save you from major financial loss. See how umbrella insurance can step in when you need it most.
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Sep 09

Protecting Your Business: Understanding Assault and Battery Insurance

By Business Insurance
Picture this: At a large apartment complex, two residents argue in the parking lot late at night. The confrontation escalates, and one person suffers an injury. Soon after, the property management company faces a lawsuit over failing to provide adequate security for their tenants. Incidents like these serve as a crucial reminder—organizations face real risks of liability claims from assaults or altercations. You may assume your general liability policy covers all incidents on your property, but these policies often exclude claims arising from assault and battery. Specialized assault and battery insurance addresses this gap. In this post, you’ll learn what…
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Aug 28

Excess Liability vs. Umbrella, the Difference?

By Business Insurance
When discussing coverage gaps with decision makers, I will often get the question, “well doesn't my umbrella catch that?”. At one point in time, that answer could often be a yes. In 2025, that is not the case. The change in verbiage from “umbrella” to “excess liability” reflects a narrowing of the coverage. Excess liability simply increases your limits of liability coverage for auto, worker’s compensation, and general liability. The days of an “umbrella” broadening coverage are coming to an end.     Understanding Excess Liability for Your Business  When it comes to protecting your business with excess liability insurance, determining…
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Sep 19

The Advantages of Personal Umbrella Insurance

By Personal Insurance
It's a sunny day, you're cruising along, and life feels just right. But then, out of nowhere, a figurative cloud appears in the form of an unforeseen lawsuit or accident. And your standard insurance policy doesn’t cover the costs. This is where understanding the benefits of personal umbrella insurance becomes crucial—it’s your safeguard against life's unpredictable storms. Understanding the Benefits of Personal Umbrella Insurance Imagine personal umbrella insurance as the extra-wide brim of protection extending beyond the limits of your auto or home insurance. It provides extra coverage for hefty legal or medical bills that could drain your savings in an instant.…
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Sep 12

Comprehensive Protection: Why Personal Insurance is Essential for Safeguarding Your Life and Assets

By Personal Insurance
The role of insurance has transformed over the years. While many treat personal insurance policies like a commodity, the life you’ve built deserves more than just a line on a spreadsheet. For over 75 years, Kapnick’s experts have actively provided comprehensive personal insurance coverage to help families protect their assets and property from unexpected loss. Protect What Matters with Comprehensive Personal Insurance Coverage At Kapnick, we deliver comprehensive personal insurance coverage designed to safeguard your most valuable assets. Here’s how we can help: Homeowner’s Insurance Your home is likely your most valuable asset, which is why having the right homeowner’s insurance is essential. This…
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