Insurance Insights
& Resources

Most homeowners policies sharply limit business property and exclude business liability. Learn the gaps for home-based businesses and the endorsements and policies that close them.

A certificate of insurance is not coverage. Learn which endorsements contractors need to win bids, plus the state insurance rules for DE, PA, NJ, MD and VA contractors.

Virginia raised its auto liability minimums to 50/100/25 for policies effective on or after January 1, 2025. Here is what to check on your renewal, from UM/UIM to umbrella limits.

A call to your insurer about damage can open a claim file that appears on your CLUE report, even if nothing is paid. Learn when to call your agent first and your rights.

Putting your home, vehicles or life insurance into a living trust or ILIT? Your insurance is a contract. Learn what to update with your carrier so the trust is protected.

Standard homeowners and renters policies never cover flood damage. Delaware's low elevation, tidal rivers, and Atlantic coast make flood insurance a critical gap to close: here is how it works.

Pennsylvania homeowners face risks from nor'easters, flooding, and aging housing stock. Learn what a standard PA homeowners policy covers, what it misses, and how to find the right coverage.

Young families face the highest financial stakes if a parent dies prematurely. Learn how much life insurance coverage a young family actually needs, the difference between term and whole life, and how to get started.

A data breach or ransomware attack can cost a small business tens of thousands of dollars. Learn what cyber liability insurance covers, what it costs, and why small businesses are a growing target.

Contractors in the Mid-Atlantic region face different licensing and insurance requirements in each state. Here is what general liability, workers' comp, and other coverages are required, and recommended, in each state Prominent serves.

What does homeowners insurance cover in Delaware, and what do coastal residents need to know about wind deductibles and flood coverage? A practical guide for Delaware homeowners.

Pennsylvania drivers must choose full tort or limited tort on every auto policy. Learn what each option means, the exceptions to limited tort, and how the choice affects your rights after an accident.

New Jersey offers a Basic and a Standard auto policy. Learn what each covers, the state's updated 35/70/25 minimum limits, and why most NJ drivers need more than the Basic policy provides.

Maryland requires 30/60/15 liability limits plus uninsured motorist coverage on every policy. Learn what the law requires, what PIP covers, and whether minimum coverage is enough for Maryland drivers.

Since July 1, 2024, Virginia no longer allows vehicle owners to pay the $500 uninsured motor vehicle fee instead of buying insurance; every vehicle registered in Virginia must carry insurance that meets Virginia's liability limits.

Delaware requires minimum auto liability limits of 25/50/10, but is that enough? Learn what coverage you actually need and how to save on your Delaware auto insurance.

Philadelphia row homes have unique insurance needs. Learn what coverage you need, common risks, and how to find affordable homeowners insurance for your Philly row home.

Delaware is the top state for LLC formation, but does your Delaware LLC need business insurance? Learn what coverage is required and recommended for Delaware businesses.

What is the difference between umbrella insurance and excess liability? New Jersey residents learn which type of extra liability coverage is right for their situation.

Maryland requires workers' compensation for all employers. Learn the requirements, penalties for non-compliance, costs, and how to find affordable workers' comp coverage.

A Business Owners Policy bundles essential coverages at a discount. Learn what a BOP includes, who qualifies, and whether it is the right choice for your small business.