Entries by theayresgroup

Ride sharing may create insurance gaps

Drivers and riders who participate in ride-share alternatives to taxi services may be subject to significant insurance gaps. If you participate in ride-share services as a driver or if you use these increasingly popular services, make sure you have appropriate insurance coverage. Ride-share programs on the surface sound like a win-win situation: if you need […]

Coverage for your collector vehicle: Agreed value

Certain strokes of engineering border on artwork: an idea that manifests itself in the creation of something truly beautiful. Imagine yourself behind the wheel of one of those beautiful pieces of machinery, zooming through a twisting, scenic, back country road usually reserved for a postcard. Sunlight reflects off the mirror-like finish, and the engine purrs […]

It happens: Sewer backup

Sometimes sewer backups happen. We look for someone to blame, but often there just isn’t blame to be found. How do we prevent it from happening? And if it does, how do we protect ourselves from the financial storm that follows? Suppose for a minute that you just spent $10,000 converting an unfinished basement into […]

Flue season: Have your fireplace and chimney inspected

Home heating fires are the second leading cause of home fire deaths after cooking fires, according to the National Fire Protection Association. Fireplaces, chimneys and flues account for a significant number of home heating fires. Homeowners with a wood-burning fireplace or solid fuel stove or insert can protect your property and your family by having […]

Booming beverage industry has special insurance needs

The craft beverage industry is booming. Breweries and wineries operate in all 50 states, and the number of distilleries has more than doubled since 2013. Growth stems primarily from states welcoming breweries, brewpubs, wineries and distilleries – granting new licenses and drafting legislation to ease excise taxes – and from the desire of consumers to […]

Protecting your craft beverage equipment

While means and methods will vary, one item that all craft beverage manufacturers share is dependence on their equipment. That’s why it’s important to make sure you include equipment breakdown coverage as part of your insurance portfolio if you’re a craft brewer, distiller or winery owner. When most of us think about insurance protection, we […]