LG Insurance Agency Blog
Distracted Driving
Despite all the attention it has received over the past years, distracted driving is still one of the leading causes of vehicle accidents and death. The Numbers and Implications are Frightening The average person reads a text in about 4.6 seconds. At 55...
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Personal Umbrella Insurance – Social Host Liability
Real-World Case Study Under social host liability laws, party-givers can be held responsible when minors drink The Dane family's annual holiday party was in full-swing. Neighbors, colleagues and dear family friends gathered together to toast the season....
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Should Personal Injury Protection (PIP) be Primary or Secondary?
Personal Injury Protection Do you have health insurance? If so, you may be able to designate your health insurer as your primary source of medical care should you be injured in an automobile accident. If an accident occurred, your health insurer would pay...
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Yacht Insurance New York & New Jersey
While some homeowners policies provide limited coverage for small watercraft, or your homeowners insurance company may provide separate policies for larger watercraft, yachts are in a call all by themselves and should probably be insured by a marine specialist on a...
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Insuring High Value Jewelry
Most homeowners policies have limitations on jewelry coverage. As little as $1,000 is typical on a "normal" policy, and even "deluxe" policies from high value home insurance companies have limits as low as $5,000 to $10,000. Insuring High Value Jewelry But what if you...
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Honoring Our Fallen Heroes
Starting after the Civil War, Memorial Day was known as Decoration Day. A day when survivors and loved ones would gather to decorate the graves of fallen soldiers with flowers, wreathes and flags. Eventually becoming a National Holiday, Decoration Day was a chance to...
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National Hurricane Preparedness Week
The week of May 7th is National Hurricane Preparedness Week. Since we're a coastal insurance agency, this is a topic near and dear to our hearts. The federal government has some great resources you can use at https://www.weather.gov/wrn/hurricane-preparedness Of the...
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Lawyers Professional Liability
Depending on which study you read, one in four or one of five lawyers are going to be sued during the course of their career. That's twenty to twenty-five percent of all lawyers. Clearly, being in the legal profession does not make one immune to lawsuits. We work with...
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Insuring High Value Coastal Properties
One of our specialties at LG Insurance is insuring high-value coastal properties. Not every insurance broker or carrier is equipped to handle the unique needs of $1 million plus coastal properties. We work with a variety of companies that specialize in insuring these...
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Errors and Omissions Insurance
What is E&O insurance? Errors and Omissions (E&O) is insurance that covers you in the event that a client holds you responsible for a service you provided, or failed to provide, that did not have the expected or promised results. For doctors, dentists,...
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