Clarke & Sampson Blog

Cyber Risk Management: Planning, Prevention, and Response

Dan Yokoyama | Wednesday, February 24, 2021

Today, almost every company stores data and information digitally. Information is essentially currency in today's society and it must be safeguarded. This means that companies should have a cyber risk management program that addresses prevention,..

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Credit History and Your Insurance Premiums

Scott Jefferson | Monday, February 1, 2021

Why credit history matters

As you may know, many insurance companies use credit-based scores to help determine a customer's insurance premium. This FAQ section can help you understand how your score is calculated and how it could impact what you pay..

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What is Water Back Up Coverage?

Scott Jefferson | Monday, February 1, 2021

Whether it’s a sump pump failure or a clogged drain, water back up is one of the most common types of losses. It’s also one of the most misunderstood. Do you know how your homeowners insurance would respond?

A standard homeowners policy provides..

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Personal Umbrella Liability Basics

Scott Jefferson | Monday, February 1, 2021

As we all know, accidents happen—and it’s not uncommon for jury awards and out-of court settlements to run into the millions. While it’s difficult to pinpoint the monetary consequences of the risks you and your family take each day, are you certain..

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Understanding Coinsurance

Matt Stephens | Monday, February 1, 2021

Taking the time to understand your insurance policies is well worth the effort. An insurance policy is a complex contract that often contains provisions that assigns certain responsibilities to the policyholder, such as a coinsurance clause. Often..

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Should I Purchase Rental Car Insurance?

Bill Howard | Friday, January 1, 2021
Reasons Why You Should Not Purchase Rental Car Coverage:
  1. You May Already Have Liability Insurance - Liability coverage is provided from your personal auto policy subject to the same liability limits you have on your policy.
  2. You May Already Have..
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Protecting Your Assets With An Umbrella Policy

Scott Jefferson | Friday, January 1, 2021
Your home and auto policies are designed to protect you from liability losses up to a certain dollar limit, but what if that limit is exhausted? Consider this scenario: you caused a major auto accident that resulted in $750,000 worth of bodily..
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Lessors Risk Only Insurance

Scott Jefferson | Friday, January 1, 2021
Lessor’s Risk Only (LRO) Insurance , also known as Landlord’s Insurance, is a specific type of property and liability coverage designed for building owners. This type of insurance package is common among owners of apartment buildings, warehouses,..
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Four Reasons To Have a Home Security System

Scott Jefferson | Friday, January 1, 2021

Each year an average of 16.3 million reported burglaries occur, threatening life and property. It’s no wonder homeowners seeking peace of mind often turn to home security systems. Home security systems can be beneficial in a number of ways...

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Coverage Insights: Top Trends In Employment-related Claims (EPLI)

Scott Jefferson | Tuesday, December 29, 2020

Employers face a growing number of HR oriented risks. Keeping up with EPLI claims trends can help you make more informed decisions about how your HR department operates. Here are seven recent trends you should take into account when establishing..

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