In part 2 of this 3-part series, we feature the most overlooked coverage we see in auto policies: Medical payment coverage. In this episode, we're going to talk about medical payment coverage, what it's for, how it can prevent a lot of hassle, and why it's becoming even more important to have nowadays. So what is medical payment coverage?

What happens if you're involved in a car accident, and your car is totaled, or your car is stolen, and you owe a substantial amount of money on the car loan or lease. How are you going to pay that off and cover the amount that you still owe? The right insurance can help with this, and it is #1 in a three-part series of our top three most overlooked coverages in auto insurance policies.

What can actually happen if someone doesn’t carry worker's compensation insurance? Most states require businesses to have some form of worker’s compensation insurance coverage. This has been complicated by recent legislation in California specifically, and now it’s being discussed on the federal level.  If a random sweep is conducted, and a business doesn’t have worker’s comp coverage upon inspection, they'll impose an immediate stop order, which means they can shut the business down until there’s a worker’s comp policy. No employee labor can continue until that company purchases a workers' compensation policy and has it in force. Find out what you can do to protect yourself in today’s episode.

What if you're traveling on vacation and find out that your luggage is stolen? or one morning you wake up to find that your car has been broken into and your laptop is gone. Did you know that in both of these situations, if you're renting and you have a renter's policy, you would be covered by your renter's insurance? Some things you might not know about renter's insurance, and why it's important to consider if you don't already have it, coming up on this episode of the How Insurance Works Podcast.

We're talking about where to find personal liability coverage, so you can determine whether or not you have it, what it covers you for, and then we apply that to our three situations to see if our coverage responds in those situations: The party, the dog bite, and the small gathering at your home. Let’s get up close and personal with personal liability insurance.

You may have heard the term "personal umbrella insurance."  What exactly is personal umbrella insurance, and why can it be so valuable to have?  

Unintentionally, we can cause serious injury or harm to others; that risk is always present, even though we don't mean to cause any harm.  However, a simple trip to the store can result in an unintentional car accident that may seriously injure another person and set us back thousands of dollars unless we have enough insurance protection.  Personal umbrella insurance can provide that protection.  

In this episode, we talk about what personal umbrella insurance is, how it works, and we illustrate its value using a real-life situation as a case study.  We also help answer the question:  Should you have personal umbrella insurance?

In the wake of COVID-19, we've been getting a lot of questions from clients and colleagues about whether insurance policies will honor business income coverage, especially in light of the many mandated closures.  In this podcast, we go in-depth on what business income coverage is, how it works, how coverage relates to COVID-19, what is being done to address the issue, and the question:  Should business owners file a claim? Find out in this episode.

Filing claims for riot, civil commotion:  I've been getting a lot of questions from clients and colleagues about whether coverage is provided to business owners whose establishments were damaged or looted during the recent protesting or rioting.  In most insurance policies, coverage is provided for riot, civil commotion. For business owners affected by riots and looting, there is a recommended approach they may want to take in filing a claim.  I share this recommendation courtesy of The Greenspan Co. Adjusters International in this episode.

If a customer sues your business, alleging they contracted COVID-19 while patronizing your business, does your business owner’s policy cover you?  As we discussed last time, would this type of lawsuit be hard to prove?  Most likely.  Regardless, we want to explore the issue from an insurance perspective.  Does your business owner's policy cover you if a patron sues your business alleging they contracted COVID-19 at your place of business?  The answer depends on the language in your insurance policy, and we will help show you where to find it.  

Does your personal insurance policy cover you if someone accuses you, and sues you, for giving them COVID-19?  Is this type of lawsuit even likely?  Maybe.  Would that type of lawsuit be hard to prove?  Absolutely.  Though it isn't very likely someone would sue you for giving them COVID-19, we have received several questions on it, so we wanted to explore the issue from an insurance perspective.  Does your personal insurance policy cover you in the rare event you are accused of and sued for giving someone else COVID-19?  The answer depends on the language in your insurance policy, and we will help show you where to find it.