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- Businessowners Personal Property…
Most commercial risks have a set amount of contents or business personal property, whose value will remain relatively consistent throughout the year. This usually includes such items as fixed inventory. In addition, some risks will have items such as raw material, supplies, and finished stock whose value will decrease or increase substantially, dependent upon the [...] - Coinsurance/ Insurance to value
Coinsurance can be described as a property insurance provision that imposes a penalty on an insured’s loss recovery if the limit of insurance purchased is not at least equal to a specified percentage of the value of the insured property. Why is it necessary? it is well established that most building property losses are partial [...] - Why should you purchase Umbrella Insurance?
You may not think you need an umbrella policy, but consider this: What happens to you and your family’s assets should you be sued for something that occurred at your home and the legal costs of the lawsuit greatly exceed the liability coverage defined by your homeowner’s policy? Who will pick up the tab if [...] - Professional Liability
Claims against lawyers have steadily increased in the past two decades and continue to climb. Lawyers across the country in both large and small firms are at risk every year. As fellow professionals serving the public, we recognize the need to minimize exposure to risk. The Henkes Welsh Agency shops up to fifteen top rated [...] - Cyber Liability Insurance
Should you be concerned about cyber liability insurance? Ask yourself these questions: Do you communicate in any way with your client base? Do you transmit or store sensitive information? Do you perform any professional services over the internet? Do you maintain a website? Don’t stop there, but ask yourself how you might [...] - Sports Bar and Grill Insurance
Our blog entry last Friday dealt with special commercial insurance policies including Director’s and Officer’s Liability Insurance, and Errors and Omissions’ Insurance. This week I’ll touch on insurance concerns for one of my favorite types of risks, Sports Bars and Grills. These places are great for after game get togethers, watching Nevada games, or [...] - How Do I Find the Right Errors and Omissions Insurance Policy?
The first step to finding the right Errors and Omissions insurance policy is to find the right professional liability insurance agent. You would not use a tax attorney to defend a civil suit; likewise, you should not use a workers’ compensation insurance agent to find the right E&O insurance policy for your company. You should [...] - How Do I Find the Right Errors and Omissions Insurance Policy?
The first step to finding the right Errors and Omissions insurance policy is to find the right professional liability insurance agent. You would not use a tax attorney to defend a civil suit; likewise, you should not use a workers’ compensation insurance agent to find the right E&O insurance policy for your company. You should [...] - Insurance Carrier Partners
ISU Insurance Services The Henkes Welsh Agency and The Travelers Insurance Group are business partners to provide coverages for Nevada businesses. Henkes Welsh insurance has partnerships with many Insurance Companies and one of our preferred carriers is the Travelers. The need for multiple carrier relations is due to various niches we specialize in as well [...] - Special Policies
Professional people have increasingly been subject to third party claims alleging bodily injury or property damage arising from the rendering of professional service. Such claims are based on malpractice, error, or mistake in the performance of professional duties. The several forms of protection against these claims are variously called professional liability insurance, errors and omissions [...]
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