Happiest Place on Earth

I spotted Tigger at Disneyland the other week. He's my favorite Disney character.

I love a few of his characteristics: full of positive energy, super outgoing & competitive all the time. "T-I-double-guh-err, which spells Tigger." Now, only if I could pogo up and down on my tail like him.

Santa Monica Mountains

I like to go on day hikes with my wife. It's also a good time for us to spend alone and catch up on what's going on in our lives. As we were hiking up in one of the local State Parks, I saw this home in the middle of a small canyon.

My insurance-oriented mind instantly wondered: How much would it cost to replace those solar panels? Do they have Building Code upgrade coverage? Do they have a water supply in case of fire? How much will it cost to clear the damaged debris after a loss?

What is Liability Insurance?

Simply put, liability insurance covers you for damages you are held legally responsible for causing bodily injury or property damage to someone else. Here are the more common types:

· Personal Auto – for damages caused while driving your vehicle.

· Professional (Errors & Omissions)- for damages caused while performing your occupation: doctors, lawyers, accountants, computer consultants, etc.

· Personal- for damages caused during everyday life: recreation, travel, daily routine not included above.

· General - covers losses caused by negligent acts on the premises of a business, injury resulting from the use of a product manufactured or distributed by a business.

· Business Auto – coverage for cars, trucks and vans used by employees for business purposes. Business vehicles are not covered by a business owners policy or personal auto insurance.

· Employer’s Liability (Worker’s Comp) for when you are injured working as an employee.

· D&O (Officers & Directors) cover the acts of those in the director or officer position of a company or non-profit organization.

Note: intentional or illegal acts are never covered by insurance.

A Merry Christmas to us all; God bless us, every one!

Merry Christmas from Downtown Las Vegas at the Fremont experience. check out that 40-foot tall Christmas tree at the end of the mall.