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Davis Insurance Agency, LLC
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All of us at Davis Insurance Agency want to wish all dads a Happy Father's Day!

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Umbrella insurance for commercial policies is generally available in $1 million increments up to $10 million and is significantly less expensive than existing property liability or malpractice coverage, for example.

There is a big difference between actual value and cost replacement in policies. Actual value means the insurer pays what an item is worth. Cost replacement means the insurer replaces the item with a new item.

If you have more than a few employees, talk to us about employment practices liability insurance, which offers protection against claims of being wrongfully fired or for sexual harassment or discrimination.

Malpractice is included within professional liability insurance. This insurance is critical for more than doctors and lawyers. Accountants, architects, real estate agents and other professionals can be sued for decisions or actions that fall below their industry's minimum standards.

If your company makes deliveries or has employees who drive for business purposes, you should consider commercial auto insurance. An accident in a company delivery truck exposes your business to potentially expensive lawsuits.

Did you know that if your business hires employees, then you are required by state law to pay for certain types of insurance? This would include workers' compensation and unemployment insurance tax.

Have you ever wondered what your lender is talking about when they require 300/100/50 coverage? In this example, it means $300,000 bodily injury per accident, $100,000 bodily injury per person and $50,000 property damage per accident.

An exclusion is a peril that a homeowners insurance policy does not cover. For example, virtually all policies do not cover damage that is the result of a lack of maintenance by the homeowner.
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