Author: Cheney Insurance

What Are Some Common Exclusions on Auto Insurance Policies?



There are three primary components of auto insurance.  Depending on where you live, some may be mandatory and others may be optional. Liability — Pays expenses related to bodily injury to another person or property damage caused by your vehicle Comprehensive — Reimburses any damage or replacement required for your own vehicle due to incidents […]

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Hazards in Your Home Storage Areas



Many American families have an accumulation of stuff in their homes: gasoline cans, spare oil, half-containers of antifreeze, fertilizer, yard pesticides and other materials all compressed together into one poorly ventilated space. This creates the perfect conditions for vapors, chemical reactions and combustibles like cardboard boxes to accumulate, heat up and ignite. As you think […]

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EPLI Insurance, Does Your Business Need It?



Do You Need Employment Practices Liability Insurance? Hiring even one employee exposes your organization to new risks. From ensuring you have workers’ compensation coverage to managing payroll, hiring and benefits, you face a variety of new risks with employees aboard. Coverage to protect you against many employment-related claims is available, known as Employment Practices Liability […]

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How Does Your Credit Score Affect Your Insurance Premium?



Have you heard that your credit score can affect how much you pay for insurance? As a consumer, you probably know everyone has a financial credit score — three of them, in fact — maintained by three major credit reporting agencies: Equifax, Experian and TransUnion. These firms compile information from financial institutions and retailers including […]

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Get On Board With the Right Commercial Fishing Insurance



Commercial fishing – whether to harvest fish, lobsters or other marine life for sale or to take others on the water for their own fishing excursion – requires a comprehensive insurance plan that protects your physical assets as well as your finances. Before dropping a single net or taking on any passengers, you’ll want to […]

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