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 […]

Bright idea: Check your holiday lights

Holiday lights can brighten the season – literally and emotionally – but they also present potential risk for fire and shock hazards. Before installing holiday lighting, take extra time to do a safety check to protect people and property. Holiday lights and other decorative lighting contribute to an estimated 150 home structure fires per year, […]

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 […]