Songer Insurance Agency, Inc. Blog

All You Ever Wanted to Know About Insurance

Commercial Property Protection

It is important for underwriters to understand the extent and capability of the fire protection that is available to control and extinguish a fire. Adequate fire protection with early detection can significantly reduce...

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What Is an Umbrella?

An umbrella policy provides worldwide liability coverage over and above that offered by underlying policies. For most personal lines clients, these underlying policies will be auto and homeowners. The liability coverage...

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Cyber Liability Insurance for Businesses

Businesses of all sizes depend on computer systems and the proprietary data stored on them to keep operations running smoothly. A computer attack may disrupt your operations, potentially threatening your business...

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Workers Compensation for Businesses

If you own a small business and are in the market or workers compensation here are a few things we will evaluate when determining the risk of your business. Exposure Review; identifying hazardous conditions due to: •...

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Commercial Auto Medical Payments

This coverage is intended to pay the bodily injury an insured and insured’s passenger sustain in an automobile accident. This is a no-fault type coverage found in a tort liability state system. It does not cover...

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Commercial Property Insurance Continued

Commercial property Insurance coverage can either be issued mono line, as part of a commercial packaged policy or as part of the business owners policy commonly referred to as a “BOP.” Insurance carriers appetite for...

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Personal Umbrella

Personal Umbrella Overview: Auto and homeowners policies provide adequate liability protection for many people. Why, therefore, would anyone purchase a personal umbrella liability policy? The primary reason is to...

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Commercial Property - Risk Selection

When evaluating a commercial property submission, the underwriter looks at many criteria. Part of their evaluation is underwriting they COPE each property they were unsure. COPE stands for the construction, occupancy,...

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Personal Auto Liability Coverage

Part A of the personal auto policy contains the provisions relating to liability coverage. This section of the policy consists of the liability insuring agreement, supplementary payments provisions, exclusions, and...

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Commercial Auto Insurance

Third party-tort liability coverages Liability: This coverage is based on the concept of tort liability and negligence. Liability laws require an insured to pay for injuries to other people or their property caused by...

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