Dominik Kunigk

27
Mar

The Impact of the Coronavirus and the Rise of a New Insurance Era?

The Impact of the Coronavirus - Rise of a New Insurance Era?   The spread of COVID-19 coronavirus pandemic is taking the world by storm and threatens the individuals and businesses around the world. We are all left wondering about how the world will cope and how this will change the future. The scale of the coronavirus crisis reminds many of us of
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18
Mar

Does Business Interruption Insurance Cover My Business Income Due To Covid-19?

**Disclaimer** I am writing this to inform our clients, potential clients, and fellow business owners as to how Business Income, aka Business Interruption, Insurance Works. These times are unprecedented and businesses from small to large are impacted unimaginably. The information below is my personal professional interpretation and explanation unless noted otherwise. Can My Insurance Policy Cover My Lost Business Income
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29
Aug

Who Pays For The Broken Pipe Outside My House?

The Basics Homeowners insurance policies are designed to cover direct and sudden losses to the house that is insured. Aside from common exclusions such as sewer back-up and earthquake, both of which can usually be added to your policy, there are certain losses that catch homeowners off-guard. One of those losses is a leaking water or sewer pipe outside the
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11
Jun

Does My Business Need Cyber Insurance?

What Is Cyber Liability Insurance? Cyber Liability Insurance is designed to cover businesses that serve clients by engaging in various electronic activities, such as selling on the Internet or collecting data within its internal electronic network. For the most part, Cyber Liability Insurance covers a business' liability for a data breach in which the company's customers' personal information, such as bank account
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23
Apr

Do I Need Rental Car Insurance?

Do I Need Rental Car Insurance? You just come off the plane, picked up your baggage and go to the rental car counter. You're tired from the flight, about to begin an ambitious vacation or a challenging business project. And, this is the point at which you're asked, "Do you want insurance with that?" Most travelers, facing that question from
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8
Mar

My car is getting older, shouldn’t my insurance go down?

My car is getting older, shouldn't my insurance go down?   It is no secret that the insurance industry has seen a lot of changes in recent years. With a record number of miles driven, record high medical costs, more people using their smartphones while driving, and many other factors the premium for auto insurance has gone up across the
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13
Feb

Does My Business Need Hired & Non-Owned Auto Insurance?

What Is Hired & Non-Owned Auto? Both hired and non-owned auto insurance refer to liability coverage only and is often abbreviated as HNOA. Hired auto refers to rented vehicles or car services, such as a taxi or limousine. So if an employee, executive or volunteer of a business rents a car for a business trip, for example, the rented vehicle will
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13
Jun

Do I Need Gap Insurance?

Do I Need Gap Insurance? Quick legal disclaimer: Some of the information provided below are based on personal experience. We are not trained to interpret the contract language of Gap programs offered by dealerships. The decision whether or not to buy Gap insurance through the dealership is ultimately your responsibility. When You Should Consider Gap Insurance GAP is not required
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29
Nov

Winter Driving – What To Do After An Accident And Before Hitting The Road

Snowfall, freezing temperatures, patches of ice – winter can be a dangerous time to be on the road, especially if you’re aren’t used to driving in winter conditions. With reduced visibility, slick roads and maybe even a irresponsible driver or two, accidents are destined to happen. Before heading into winter traffic be aware of these five guidelines to help you

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