On furlough due to the Coronavirus: Can you apply for unemployment insurance relief?  Millions of US workers are being furloughed due to the impact of the coronavirus pandemic. It is predicted that this emergency measure is likely to continue as some states have extended orders to close non-essential businesses. So, workers are now wondering what does it really mean to be furloughed?  To answer the question, itRead more

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 ofRead more

**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 IncomeRead more

The Road Ahead: Trends That Are Shaping The Future of the Transportation Industry   Keeping pace with the transportation sector is integral to helping all of us at the DOK Insurance Agency protect those that make up this dynamic industry. There are several current trends of which to be aware that are shaping the future of transportation:   Automation: DriverRead more

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 theRead more

What’s new in Virtual Reality? Virtual Reality (VR) in the past few years has been a mind-blowing development. The idea of virtual reality actually came out in the late 1960s, and wasn’t patented until the 1970s. Flash forward to today, VR has evolved into a modern technology that only continues to grow. Many companies such as Oculus and Google have

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What is covered by homeowner’s insurance? Recently, my mom was talking to a newly engaged individual. After talking for a while, they got into a conversation about insuring the engagement ring, and some other stuff like that. After a little bit of research, my mom found out that her engagement ring was actually insured under her home insurance. A lot

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Life in College Right about now is the time where high school seniors are getting ready for life in college. Whether they are staying in state, or traveling abroad, college is a high new level of independence for all young adults. As a high school senior, I’m looking forward for the next step in life, as I experience the freedom

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What Is Sewer Backup? Sewer backup is sewage from sanitary sewer lines backing up into houses through drain pipes. It is often very expensive and difficult to fix damages caused by backed up sewer.  In addition, it can also cause many health hazards in your home. By default, an insurance policy does not cover damages from backed up sewer. DoRead more

Teen Driving When most teens begin driving, they see it as a step toward independence and freedom. However, to an immature driver who doesn’t see it as a privilege, this can cause many problems when it comes to safe driving. Teen drivers may be immature and still lack experience that most all adult drivers have. The risk of motor vehicle

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