The Copple Courier is Copple Insurance Agency, Inc.'s blog where we discuss insurance terms and coverages. Our goal is to help educate people about their insurance so they can make better, more-informed purchases.
Many people overlook the need to properly insure their expensive jewelry, believing that it is automatically covered by their homeowner’s policy. While homeowner’s policies do cover jewelry, this insurance usually is subject to a much lower limit than the overall contents coverage.
Read MoreWater damage is almost always excluded from personal and commercial policies. While water damage caused by flood or other outside-water can be covered by a Federal Flood policy, there are endorsements that can cover water damage that originates from inside the building. These types of water damage are commonly defined in four ways.
Read MoreEveryone knows that insurance premiums are calculated by certain rates, but what if the calculated premium is extremely small? Why is Minimum Premium mandated? What causes the Minimum Premium to be set at a certain level?
Read MoreThe Federal Trade Commission has seen increasing amounts of identity theft in the past few years. When someone's identity is stolen, it takes a lot of time and money to fix the damage. This article describes some strategies to keep your identity safe and mitigate losses if identity theft were to occur.
Read MoreWhen large home repairs need to be done, the search for a contractor begins! Some people are lucky enough to have the expertise to do it themselves, or they might have a close friend or family member that does good work, but others have never had to hire a contractor before. This article will discuss strategies to increase your odds of picking a good contractor.
Read MoreAre you thinking about becoming an entrepreneur? If you haven’t made one yet, you’ll need to make a Business Plan to get things going, and you’ll definitely need one before you’ll get any funding. This article will give an overview of a typical Business Plan.
Read MoreAll insurance policies reference Subrogation, but what does it mean? This article will define Subrogation and give examples of how Subrogation acts in an insurance policy.
Read MoreThis article provides some insurance purchasing tips that may help you save premium dollars and reduce losses on your homeowners policy.
Read MoreVery few people fully understand insurance, and this causes a lot of misinformation and myths to arise. This article will address a few common myths about auto insurance.
Read MoreA standard practice is to request Certificates of Insurance from contractors. While this is a good start to risk management, did you know that the Certificate is only valid for the day it was issued? Did you know that the Certificate has no legal bearing on the insurance coverage?
Read MoreWith auto accidents being a major cause of death in the United States, March's IRMI Tip of the Month is a refresher of safe freeway/interstate driving.
Read MoreThe Business Auto policy (BAP) is the standard policy used to insure vehicles that are used in a business/for business purposes. The BAP can insure the vehicles to cover almost any liability that could arise, along with Comprehensive, Collision, Medical Payments, and other coverages. The BAP is a very robust program, but all of the coverage could be compromised if personal automobiles are insured by the BAP.
Read MoreMost people have experience with residential leases, and commercial leases have many things in common with their residential counterparts. However, commercial leases contain more requirements than what you'll find in a residential lease, and they can be overwhelming if you've never seen one before. This article will discuss the main commercial lease forms and their requirements, along with answers to some miscellaneous questions.
Read MoreEmployees are expensive. You have to have Workers' Compensation, Unemployment, and other lines of insurance for them. You have to pay taxes on them, and they require you to follow all types of federal and state labor, wage, and discrimination laws. What a mess! Wouldn't it just be easier to reclassify all of your employees as independent contractors instead? Find out why you can't do that in this article!
Read MoreThe recession was hard on everybody, but especially so for Generation Y. Millenials came up with a creative answer to the hardships though, and it came in the form of a sharing society. Now many people are sharing their physical assets for a fee. Most notable are companies like Uber who are lining up drivers with people who need rides. While it's a great idea in theory, find out why you should be very careful when using these services.
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Copple Insurance Agency, Inc. Phone: (402) 475-3213 Fax: (402) 475-6842 Email: info@coppleinsurance.com 1640 L Street, Suite A Lincoln, NE 68508
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