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Understanding Insurance: General vs. Professional Liability for Tech Companies

7/30/2013

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Owners of technology companies are often unaware of the differences between General Liability and Professional Liability. Unfortunately, this could prove costly at the time of a claim.Watch this video to learn more.

Professional Liability policies are designed to cover exposures generally excluded under a General Liability policy such as:

•Liability associated with economic loss arising from a third party's use of a technology company's goods, products or services.•Loss, damage or corruption of a third party's intangible property (eg: electronic data).

•A third party's tangible property that's not physically damaged but is rendered unusable due to a technology company's defective product or service (eg: new software installed but none of the other existing programs are now functioning correctly).

Hartford Insurance has the coverage needed for technology companies, call Howe Insurance Brokerage to speak to an agent today for a free insurance review.  (435) 674-8771
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Progressive Insurance - Paperless Auto Customers Now Print ID Cards Online - 

7/25/2013

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Progressive Auto customers who choose to go Paperless and those at renewal will no longer receive ID cards in the mail*. The ability for consumers to legally print their ID cards is now widely acceptable. Two-thirds of Paperless customers surveyed tell us that they prefer being able to print their own ID cards, so we've made this part of our Paperless offerings. 

You can print ID cards using ProgressiveAgent.com. ​
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Drive Safely in Any Weather: Essential Tips from Howe Insurance Brokerage

7/19/2013

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Motorcylists: Be Prepared and Protected View All Feeds

No Slip-Sliding Away: How to Stay on the Road
One thing is easy to foretell: Unpredictable weather can cause reduced visibility and hazardous driving conditions that make it challenging for even the most experienced drivers. Fortunately, there are ways to protect yourself, your passengers and your car.

The following tips can help you stay safe when faced with treacherous roads:

  • Assemble a winter emergency kit. At a minimum, it should contain a blanket, boots, shovel, nonperishable food and a flashlight.
  • Plan ahead for stopping and turning. "Feather" the brakes when approaching a stop, especially if the road is slick. If turning, accelerate very gently through the turn.
  • Don't make any sudden moves. Keep it slow and steady to maintain control.
  • Be cautious when braking in icy conditions. Coast over ice. Brake after reaching bare pavement. And never slam on the brakes. Brake gently in a pulsing fashion.
  • Steer into a skid. Remember: Locked wheels lead. If your rear tires are in a skid and "locked," the rear of your car will start sliding to lead the car down the road. If this happens, steer into the skid, not away, and remember, don't brake during a skid.

If you follow these tips but still find yourself in a crash, just remember that what you do after an accident can make a big difference in keeping everyone safe and in helping you and your insurance company work through a claim.

Remember to follow these tips from the experts at The Progressive Group of Insurance Companies if you get into an accident: 

  • Stay calm. Stay at the scene but move off the roadway. Warn oncoming traffic by activating your hazard warning lights and/or setting flares.
  • Call the police.
  • Contact your insurance company to file a claim. The earlier your insurance company knows about the accident, the earlier it can get to work to resolve it.
  • Do not admit fault. Only discuss the accident with the police and your claims representative.
  • Exchange information with the other driver(s). And remember to get contact information for any witnesses.
For other tips to keep you safe on the road and keep your insurance rates down, talk to your independent agent or broker.
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    ​321 N. Mall Drive, Suite R108
    ​St. George, UT 84790
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Howe Insurance Brokerage, LLC
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​St. George, Utah
Office:  (435) 674-8771

​Boise, Idaho
​Office:  (208) 391-4141

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  • Home
  • Quotes
    • Auto Insurance Quote >
      • Auto Insurance Quote
      • Motorcycle Quote
      • ATV Insurance Quote
      • Classic Car Insurance Quote
      • RV Insurance Quote
      • Boat Insurance
    • Homeowner Quote
    • Business Quotes >
      • Business Quote
      • HOA Business Quote
      • Business Owners Package (BOP) Insurance Quote
      • Event Insurance Quote
      • Insurance Bonds Quote
      • Workers Compensation Quote
    • Earthquake Insurance Quote
    • Flood Quote
    • Landlords Insurance Quote
    • Renters Quote
    • Other Quotes >
      • Boat Owner Quote
      • Umbrella Quote
      • Travel Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Products
    • Motor Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • Roadside Assistance
      • RV Insurance
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Event Insurance
      • Insurance Bonds
      • Workers Compensation
    • Corporate Events
    • Annuities
    • Disability Insurance
    • Final Expense Insurance
    • Umbrella Insurance
    • Property >
      • Home Insurance
      • Condo Insurance
      • Earthquake Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
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