Why Do You Need Boat Insurance?

While having fun on your boat is ideally the goal, safety is always the number one priority. The moment a driver steps behind any wheel, whether it’s on land or in the water, there is always a chance of an accident. Just like owning a home or automobile, you need to have boat insurance in order to protect yourself from any liability or damages that may occur due to an accident. Understanding and learning exactly what is covered under a typical boating insurance policy can make all the difference.

[Read more…]

Insurance Needed in the Gig Economy

Insurance Needed in the Gig EconomyThe new Gig economy is radically shifting how people live and work as people embrace freelancing and flexibility. Gig workers are contractors who can jump from one client to another and will often find work through large networks that make it easy for a client to find people with the right skills. Being able to quickly change between work and leisure, as well as being able to work from anywhere, has become very appealing to people who enjoy travel or need flexible scheduling. [Read more…]

How a Swimming Pool Affects Your Homeowner’s Insurance

Getting a swimming pool installed on your property can be an exciting experience. While everyone dreams of having a pool in their backyard, not many residents are aware of how a swimming pool will affect their homeowner’s insurance. If you’ve been debating on installing a pool for quite some time, the first detail you need to assess for a stress-free installation is how this will affect your policy. Below, we have provided some insights on how your homeowner’s insurance premiums could increase with the new addition to your property. [Read more…]

Wrongful Termination and How To Protect Yourself

Wrongful Termination and How To Protect YourselfIt is extremely important for a business owner to respect their employees and their working environment at a professional establishment. One of the most important situations to be cautious around is the discharge of an employee. If you do not follow the rules and regulations set in place by the government and the state—you could be looking at a serious claim. If you have been laid off or fired recently and believe you have been discharged for an unlawful reason, you do have the right to bring a claim for wrongful termination against your former employer. [Read more…]

Umbrella Insurance: Why You Need Extra Coverage

Umbrella Insurance: Why You Need Extra Coverage Protecting your family and your investments is your number one priority. What happens when you’re involved in an accident and your insurance is simply not enough to cover the damages and other costs? This is why at TJ Woods, we understand that situations like this do happen. We offer an insurance policy, called umbrella insurance, that provides protection to your standard homeowner, auto, or boat insurance to take care of extra expenses and provide you the coverage you need. [Read more…]

Insurance Basics: What Exactly is Liability Insurance?

WInsurance Basics: What Exactly is Liability Insurance?hat exactly is liability insurance? Well, it is any insurance policy that protects an individual or business from the risk that they may be sued and held legally liable for something such as malpractice, injury, or negligence. Continue reading to learn the basics of what this type of insurance entails.

[Read more…]