Berry Curtis Insurance Blog Archive
Homeowners Insurance... Be The Best It Can Be
Many homeowners have experienced premium increases. Our agency works ver yahrd to bring our clients the best possible combination of premiums, coverage, and service. Homeowners insurance plays an important role in society. It protects your most important financial asset, your home. Remember, each homeowner's insurance policy is different, and if you bought your homeowners insurance online, you may not have proper coverage.
Something Your Business Insurance Might Be Missing
If your business suffered a property loss, are you confident that your building would be restored to its pre-loss condition—including any changes in building codes? It is a sobering fact that over 30% of businesses that suffer a total loss never resume operations. If these businesses had purchased the right insurance, they might have been able to continue operation.
Prepare Your Roof for Winter
Fall will be here before you know it, and now is the time to start to think about preparing your roof for winter. Preventative roof maintenance is important, and can help protect your building through winter. Also, having fewer claims will help keep your insurance premiums as low as possible.
Is Your Business Covered For These Risks?
Many businesses buy commercial insurance thinking that the policy they have covers most if not all things that might go wrong and cause a loss to their business. That kind of thinking can lead to an uninsured loss.
Teens and College…A Good Risk?
This time of year, many recent high school graduates are preparing for their next phase of life. Their plans may include heading off to college in another city or state. One of the most important things they will need at school is something that doesn’t have to be packed at all – the right insurance coverage. Here is a list of some of the items you should consider before your child heads off to the University.
Cyber Liability Continues To Be An Emerging Risk
Cyber Liability continues to be a major issue for businesses in 2018. In today’s data-driven social media world, businesses of all sizes have had a cyber-attack or data breach. Statistics show 39% of all cyber incidents affect businesses with fewer than 100 employees. With the recent breaches in the financial and hospital industries, many businesses are considering cyber insurance.
Why “Do It Yourself” Does Not Work With Insurance
Everyone loves “do it yourself” or “DIY” projects. The concept has caught the eye of many Americans. With Pinterest, stores like Home Depot, and online instructional videos, home improvement projects have become less complicated for the average person. The DIY idea has also made its way into purchasing personal insurance. However, DIY and purchasing personal insurance is NOT a match made in heaven, here is why.
Don’t Get Wet… Boating Safety Tips
Summer is here and that means it is time to get out on the water. We hope that you and your family have a great time. But remember, your watercraft needs to be insured, and we can provide a full range of watercraft insurance products for you. Your boat will need insurance for watercraft liability, damage to the hull, and personal property. Watercraft insurance policies can cover damage to your boat, motor, trailer, and personal effects in the boat.
Why Your Business Needs Better Commercial Insurance
When was the last time you had a business insurance review? If it has been more than two years, it is time. Risk and claims trends are causing many business owners to rethink their commercial or business insurance programs
What's Under Your Roof?
Have you ever stopped to think about all the things that could cause damage to your home and personal property? Probably not, but we think about personal insurance coverage every day. Your homeowner's insurance is designed to protect you from claims that can come from many different events. We can design a homeowner's insurance product that fits your individual needs. Here are a few of the kinds of events that can be covered under your roof.
Key Coverage For Your Business
Every business should have a property insurance coverage to respond to the many risks associated with property ownership. Property policies offer many unique coverages, including Building Coverage, Business Personal Property Coverage, Building Ordinance Coverage, Equipment Breakdown Coverage, and more.
Why You Need Insurance If You Operate An Airbnb
Many people say the problem with insurance is your never know what you have until you have a claim. We hope to dispel that by providing you with education regarding your personal insurance policies should you rent out part of your home as an Airbnb.
You Will Never Need Personal Insurance If...
Are you tired of people telling why need to buy their insurance? Are you sick of buying "cheap" online insurance, only to end up with the wrong coverage? We thought it might be fun to tell that you do not need personal insurance if you meed the following criteria.
Leased or Rented Equipment
Like many organizations, your business may rent or lease equipment from time to time. You may be
planning a special event and need a tent to accommodate 250 people as part of a business activity. Or,
perhaps you are renting a sound system for a concert, or leasing office equipment such as your copier.
These kinds of events create added risk to the organization.
Don’t Let Your Home Remodel Project Turn Into An Episode Of Tool Time
A home remodeling project can create an exciting new and improved home and even increase your home’s
value. However, the process can be daunting and frustrating as your home can be the center of a “war
zone” during the process. While you focus on color and design issues, do not forget to consider these items.
Innovative Insurance Solutions
We live in a changing world, and your business insurance needs to be changing as well. In order to keep your commercial insurance up to date you need to have the ability to change and update your insurance program on a regular basis. The insurance industry has developed a number of innovative coverage that your business may just need.
Does Santa Claus Need Insurance?
Imagine that your entire business was focused on just one day out of the whole year? You have to spend 364 days preparing for one single product distribution. Do you think there might be just a little bit of stress—say around December 20? If we attempted to present Santa with a business insurance proposal, he might say, “Who would sue Santa?” I
What Have We Learned From Natural Disasters
This past month we have had major wildfires in California and Oregon and Hurricanes in Florida and Texas. We hope the victims of all these vents are recovering and our prayers and thoughts are with them still. Thank you to all the first responders who have risked their lives during the past few months.
Three Types of Crime That Creates Problems For Your Business
Business insurance can protect you from many different kinds of criminal activity. We thought it would be worthwhile to identify a few ways criminals try to steal from your business.
A Few Simple Ways to Prepare Now For a Disaster
We have witnessed the wrath of hurricane Harvey and are looking at Irma hitting the East Coast Soon. Wild fires are hitting the West very hard. We thought it might be good to offer a little disaster preparedness.
Test Your Business Insurance IQ
We don’t expect you to be experts in business insurance, but we thought it might be fun to test you on what you do know about your business insurance.
Summer Means Greater Safety Awareness for Motorcycle Drivers
Summer traditionally sees an increase in motorcycle accidents, primarily due to the increased number of riders on the roads.
Construction Risks Increase In The Summer
We are heading into summer and that means there will be increased construction activity throughout the city. Risk and insurance experts tell us that construction risk and injuries increase from June through September.
Some Personal Supplemental Coverages Offer Value
Buying auto or home insurance can be confusing these days. Insurance companies keep making marketing claims that may or may not be very accurate. We are here to make your personal insurance buying decisions as smooth as possible.
Insurable Risks Derived From A Growing Businesses
Recently, small business owners were surveyed to help identify some of the top risks they faced when growing their businesses1 . Many small business owners are unaware of the new, and increased, risks that come with growth.
Slip Right Into Watercraft Insurance
In 2016, the Coast Guard counted 4,463 accidents that involved 701 deaths, 2,903 injuries and approximately $49 million dollars of damage to property as a result of recreational boating accidents.
Wildfires Can Occur Anywhere
Unlike earthquakes and floods, wildfire damage should not require a separate policy, and probably does not even require a high-risk policy. It is a good idea, however, to know what your homeowner’s policy does cover. In many cases wildfires are covered, but it is always good to call your agent for a homeowner’s insurance review
Are You Prepared For A Workers’ Compensation Audit?
Every business must have workers’ compensation insurance. This kind of coverage is designed to protect the workers from on-the-job injuries. Workers’ compensation also protects the employer from liability in the event of a workplace illness or injury.
Business Practices for Which you Will be Thankful
One of the best things a business owner can do to protect his or her business, is to have a business
insurance program that covers your business in the best way possible. Your business insurance program should include Employment Practice Liability, and Directors and Officers Liability insurance. These coverage’s can often be bundled together through a management liability policy.
Is Earthquake Insurance Really Needed?
Many California homeowners go without earthquake insurance. Often people mistakenly think that earthquakes are covered under their homeowner’s policy. Other people figure the odds are low, and that nothing will happen. Let us correct you; unless you have added earthquake coverage, it is excluded from your homeowner’s policy. Some mortgage companies may even require earthquake coverage, depending where you are located.
The Impact of Legalized Marijuana On Your Business
California legalized the use of marijuana last year and the impact will be felt on all businesses. The new California initiative would allow adults to grow as many as six plants for personal use. In addition, the ballot measure allows retail sales of marijuana by licensed shops and imposes a 15% excise tax.
From Two Incomes to One… and The Value of Live Insurance
Most families depend on two incomes to make ends meet. If your spouse died suddenly, could your family continue to meet all their financial obligations—from paying rent or the mortgage, to daily living expenses? Could your family continue their standard of living on a single income? Would your plans for the future stay intact?
Are There Insurance Lessons In “The Walking Dead”?
The AMC TV show, The Walking Dead has captured the interest of many of us. It is one of the most popular shows on TV. While the chances of zombies roaming around an apocalyptic State of Georgia are remote, there are still many things we can learn from the show.
Does My Insurance Cover My Christmas Gifts?
The holidays are behind us, the tree is down, and the gifts are put away. But wait, you may have a problem! In some cases, you may need to update your home insurance or auto insurance in order to maintain the proper coverage. Many of us may have purchased gifts that increase our personal liability, and we thought it might be good to review these items. If you have any of these items, please call your agent today.
Remember, Criminals Are Also Looking For Deals This Holiday
We are in the middle of the holiday season. While you are out shopping for the perfect gift, criminals are also out looking for ways to enhance their holiday take. While your personal insurance will most likely cover losses from theft, we thought it might be a good time to have us review your personal insurance. Stop in and have some coffee while we review your homeowner's insurance coverage.
A Little Preparation Can Get Your Business Running After a Loss
No one wants to think about an event so severe that it would cause your business to close. However, disaster needs to be part if your ongoing business plan. Mojor events can include floods, storms, data breach, fires, accidents, death of an owner, or lawsuits. Whatever the risk, a little pre-planning can go a long way toward getting your business up and running.
2016 Holiday Shopping Safety
Halloween is over and that means we are in the middle of the Holiday season. During the next 60 days, we will all be busy shopping, eating out, and traveling. Thieves know that the police are overloaded during the holiday season, and they will take full advantage of it. Burglars know that there are many expensive items in homes and cars during this time.
Why Motorcycle Insurance Important
You love your bike and where your bike can take you. When you hit the road it is important to have safety in mind as well as the right kind of motorcycle insurance.
We Understand Your Farm or Ranch is All About Family
Your farm is your livelihood, and you can never too cautious. Since an accident can happen when you least expect it, it is important to be prepared when potential problems arise. Most traditional insurance products do not respond to the needs of farm and ranch operations. These needs can include special farm equipment, equine property, stable liability, dairy exposure, cattle and other livestock mortality exposures, high valued homes, and livestock breeder's floater, to name just a few.
Summer Months Mean An Increase In Road Contruction Zones
Road and highway construction projects increase between the months of June and September. All of us have come upon road projects and have been asked to slow down or stop. If you get into an accident, your personal auto insurance coverage. In the past five years, over 4,400 people have died because of auto accidents in highway work zones. The drivers and passengers are the ones most often injured. Remember, road worker are just doing their jobs. Be kind and follow instructions.
How Can Your Business Limit Lawsuits
Your business not only creates income for you, it may provide employment for other people. Small and medium businesses are subject to the same risks as major corporations. You buy business insurance to help protect your business for claims and litigation that may come from a variety of sources.
The Risks Of Owning A Swiming Pool
Summer is here and many of us are enjoying our backyard swimming pool. It is good to remember that owning a pool not only has liability risks, but there are property risks as well. However, most important is keeping your friends and family safe, so here are a few pool safety reminders.
How Cyber Liability Insurance Can Keep You In Business
Almost every business has a cyber liability exposure. Most businesses are secure some form of coverage to protect their companies from these types of threats. A recent report by leading insurance firm said that purchases of cyber insurance grew over 30% in the last year. It has become clear that that even a good IT department cannot solve all the cyber risks your business has.
Does My Privately Held Business Need Directors and Officers Liability Insurance
Directors and Officers (D&O) Insurance is an effective for the risks facing private organizations. Our products and services are designed to fit the needs of your business. Our insurance policy protects directors, officers, employees. volunteers, committee members, trustees, and the organization itself.
Overlooked Business Insurance Coverage
There is nothing more important than having the right commercial insurance for your business. Let’s face it, one uninsured loss could be devastating to your business. According to the Small Business Administration, 30% of businesses never recover from large loss. Your business insurance can be designed to fit your individual needs. Here are a few business insurance coverages that some business may overlook.
Educate Your Kids About Summer Bike Safety
Summer is almost here and your kids will be out of the house playing and biking all over the neighborhood. Now is a good time to teach them about riding their bicycles in a safe manor. Your homeowner's policy can provide coverage for bicycle theft, and some homeowner's policies have low coverage limits for things like sporting equipment. If you own a high value bike you may want to make sure it is properly covered. Remember any loss covered will be subject to your homeowner's insurance deductible.
Dangers Of Texting And Driving
A texting driver is twenty three times more likely to have an accident than a non-texting driver is. However, one million people chat and text while driving each day. The average text takes a driver's eyes off the road for nearly five seconds, so when traveling 55mph, that is enough, time to cover the length of a football field. Most experts agree texting and driving is equal to driving drunk.
Have You Just Started A Business?
Startup businesses have a wide variety of issues, exposures, and concerns, and you want to make sure that your new venture will be protected. There are many different decisions that, as a new business owner, you need to make, and selecting the right commercial insurance is one of them. The first thing you need to do is hire the right agent to help you through the process of obtaining the right kind of commercial insurance. We recommend you choose an independent agent to help you. Independent agents have access to many different markets and can provide the right combination of commercial insurance products and services.
How To Save On Commercial Insurance
The purchase of business insurance is an essential investment for business owners. Insurance policies protect the business from the financial consequences of accidents and mishaps that could erode profitability and threaten continuity of the operation. Business insurance can be expensive, so we wanted to give you a few tips in how to get the most out of your business insurance purchase.
What To Do After An Accident
It is our hope that you never have an auto accident. But let’s face the facts, at some point you may be involved in an auto accident. The accident may be the fault of the other driver or due to your own negligence. Whatever the case, here are a few things to do right after an accident.
The Best Ways To Insure Your Recreational Toys
Spring is here and many of us are thinking about taking our boat out, hitting the road on our motorcycle, and even planning a long trip in our RV. Regardless of whether you are relaxing on your boat at the lake, traveling through the Rocky Mountains, camping with friends and family, or enjoying the open road on the bike of your dreams; you need to take the proper steps to protect what you have worked so hard to enjoy.
Have You Considered Professional Liability Insurance
Most businesses purchase general liability insurance to protect their businesses against certain kinds of claims. These claims could include bodily injury and property damage. It is very important for businesses to understand the difference between professional liability and general liability.
For People Who Really Love Classic Cars
There is a special group of people who love that “old car feel”. People love older cars because these classics bring back childhood memories, and because they can be a good investment. Whatever the case, classic cars need the right kind of insurance.
Don’t Let A Loss Turn Into A Financial Disaster
There is nothing worse than having a major home fire or other loss; unless it is to have a loss and then have difficulty getting your home repaired. This is especially true in areas of the country where a major disaster has hit. Unfortunately, disaster affected neighborhoods are often targeted by some unscrupulous people who offer construction, clean-up, or repair “services”, and then defraud their victims. We hope that you never have a disaster, but if you do, here are some sound suggestions for dealing with home repairs.
How Distracted Driving Can Affect Your Auto Insurance
Driving distractions are an increasing occurrence in America due to the growing use of hand-held devices. Driving is a skill that requires your full attention to safely control your vehicle and respond to events happening on the roads around you. Driving involves constant and complex coordination between your mind and body. Any event or thing that prevents you from operating your car safely is considered a distraction. For example, driving while using a hand-held device increases the likelihood you will be in a car accident by 400%. This has been a factor that has influenced recent restrictive legislation in our state banning hand-held devices while operating a vehicle.
Artisan Contractors Insurance
Construction projects depend on the special talent and skills of artisan contractors. Artisan contractors are part of our thriving economy. For many artisan contractors, the most cost effective and efficient way to obtain property and liability coverage is with a Business Owners Policy (BOP) especially tailored to their needs. Although marketed under a variety of names, these policies will typically have provisions similar to the BOP. In addition, a contractor will need workers’ Compensation insurance.
Proper Building Management for Winter Weather
Winter storms are a reality for many businesses in our area. Winter storms include heavy snow, ice, wind, and even flooding. All these events can create a complete shutdown for many businesses. The good news is that there are many things that you can do to prepare your business for winter’s wrath. Initiate your snow removal contract, if needed. Work with your staff to check building conditions at all locations, and monitor the temperature.
Are You Up to Date on OSHA Regulations?
OSHA issued a Notice of Proposed Rulemaking (NPRM) that clarifies an employer’s continuing obligation to keep and maintain accurate records of recordable incidents. The new rule doesn’t impose any new reporting requirements or add any new obligations for employers. Instead, the proposed rule clarifies the obligations that employers already have and reinforces that accurate records “are not simply paperwork, but have an important, in fact, life-saving purpose.”.To read more, click below:
Now Is The Time to Test Your Home Fire Safety Equipment
Now that Halloween is over and we have set our clocks back, it is time to check your home fire safety equipment. Having working fire safety equipment can save lives. But electronic devices are not infallible; batteries die, and other parts of the smoke detector can wear out over time. Regular testing can help ensure that your family will be safe in the event of a fire in your home. .To read more, click below:
Redding Back To School Time…Sports Are Going Strong
As your child head back to school this fall, California parents need to be educated on the risks involved in Redding school and club sports programs. These are generally good programs, but participation does come with some risk. There are over 35 million children participating in organized school and other sports programs throughout the United States. This is why sports injuries are the second leading cause of emergency room visits for children and adolescents, and the second leading cause of injuries in school. While many of these injuries are covered under some form of Florida health insurance, there should be some cause for alarm. Your personal liability may be increasing as youth sports get more competitive..To read more, click below:
Do You Want To Prevent Your Car From Being Stolen?
How important it is to have the correct Redding auto insurance? Well, read the following statistics. A vehicle is stolen every 55 seconds in the United States. According to the National Highway Safety Administration, over 80% of all comprehensive claims involve auto theft. Only about 60% of stolen vehicles are recovered. 40-50% of vehicle theft is due to driver error. The top two months for vehicle thefts are July and August. Half of the insurance companies who offer auto insurance offer discounts for alarms or anti-theft devices.To read more, click below:
New Technologies Have Helped Lower Redding Homeowner’s Insurance
Can you believe all the new innovations that are available for your home? Many new technologies can help you in the kitchen, help keep your home cooler in summer, and some even reduce your Redding homeowner’s insurance premiums. Here is a recent quote from an insurance company, “If somebody has some sort of temperature-monitoring system in their house, we give them a discount for that.”To read more, click below:
The Key To Your Redding Life insurance
So, you’ve decided to purchase life insurance. Well then, you have made a good decision! If you have dependents, you know that you must provide for them long after you are gone. Buying life insurance shouldn’t be a budget buster either. Take a look at the following options which can help you save big time.We will give you free life insurance quotes. Naturally, you will want to talk to an agent. There are four types of life insurance plans from which you can choose: Term Life, Whole Life, Universal Life, and Variable Universal Life. To read more, click below:
Grilling Safety – California Style
Everyone in Redding loves a barbeque. Summer is here and we know that many of you are already firing up your grill and bringing on the steaks. But be safe when grilling. Did you know that in 2014, there were over 8,000 home fires that started from grills? 27% of these were stated on a balcony or porch. Every year, over 7,000 people are injured while grilling. To read more, click below:
It’s Hot Out There….California Heat Stress Prevention
Summer is here, and many people are not accustomed to working and playing in hot temperatures. Heat stress is a signal that says the body is having difficulty maintaining its narrow temperaturerange. As a Redding employer, you have an obligation to ensure a safe work place, and the law requires businesses to have Workers’ Compensation Insurance. Workers’ Compensation insurance can provide the coverage to protect your business from heatstress claims.To read more on these preventions, click below:
Congratulations Graduates 2015… You Now Need Masters Level Insurance
In the next few weeks, over 1.5 million students will have completed their bachelor’s degree. Parents and students, as you hang that degree on the wall it may be time for a review of your home insurance and auto insurance. As students move out on their own it becomes important to consider these different insurance coverages. Renter's or Homeowner's Insurance, Auto Insurance, as well as, Health Insurance, To read more on these services, click below:
Are You Prepared For Wildfire Season?
According to the Federal Government, almost 90 percent of the wildfires in the United States are caused by humans. We are heading into the key wildfire season, which is May through August. Last year, the top states for wildfire damage were California, Texas, Colorado, Utah, Oregon, and Arizona. These wild fires burned over 320,000 acres, and caused billions of dollars in damage.Unlike earthquakes and floods, wildfire damage should not require a completely separate policy, and probably does not even require a high risk policy. It is a good idea, however, to know what your homeowner’s policy does cover. In many cases wildfires are covered, but it is always good to call your agent for a homeowner’s insurance review. To read more, click below:
The Shocking News….Most People Do Not Have Enough Life Insurance
According to the latest information, most people do not have enough life insurance. Only 6 out of 10 people have even considered life insurance, and many who do have life insurance don’t think they have enough. 70% of households with children say they are just barley meeting needs. But what would happen to those families if income was lost due to the death of a spouse? Over 80% of California residents over-estimate the cost of life insurance. In reality, life insurance is very affordable and provides your family with financial peace of mind upon your passing.To read more on these concerns, click below:
You Don’t Know What You Don’t Know - Online Insurance
California consumers purchase many goods and services online. Online shopping is great for purchasing certain items. However, if you are thinking about purchasing something as important as insurance online, think about these issues before you click “BUY NOW”. There are many concerns with Purchasing Online Insurance. The main reason you buy personal insurance is to provide financial resources in the event of a major loss. You do not buy insurance for a flat tire. You can manage that. But you do want protection when a major loss occurs. To read more on these concerns, click below:
Sometimes We Tell Our Clients Not To Buy Insurance
As we continue our articles on a new way to think about the insurance buying experience, we want to turn our attention to times when insurance may not be the right solution. Remember, we are more interested in helping our clients find the right insurance or risk solution. We will be the first to say that certain types of insurance may not always be best for your needs. We believe each client is unique and therefore requires unique insurance solutions. But there is more to the process. To read more, click below:
Proven Ways To Really Mess Up Your Personal Insurance
Many people often call our office with serious problems with their Redding homeowner’s, auto or renter’s insurance. These problems often involve an accident or loss that was not covered, which could have been covered if our agency was involved. Selecting your personal insurance can be one of the most important financial decisions you make. Personal insurance is there to protect your home, family and assets from loss. To read more on common ways, click below:
How Technology Has Impacted Personal Insurance
There is no doubt that auto technology has had a positive impact on Redding personal insurance. Not only has technology produced advanced safety features, but it has actually helped keep Redding personal insurance premiums lower. All the automotive manufactures are designing new ways to make the driving experience more exciting and safe. To read more, click below:
Five Gaps in Coverage for Many Small California Businesses
According to the latest surveys by major insurers, small to medium sized California businesses have a number of critical gaps in their business insurance coverage. The reasons for gaps vary; not fully understanding how certain coverage applies to their business, buying insurance from a captive agent who can’t provide the coverage, thinking their commercial coverage provides the coverage, and finally believing they don’t have the risk. To read more on these insruance truths, click below:
Redding Renters: Don’t Forget About Insurance
California Renters Insurance is Needed and Often Required. Renters insurance covers your personal property such as clothes, computers, electronics, furniture and more. If your property is damaged in a fire or stolen, renters insurance can be there to help you. The policy also covers your property when it is away from your home; for example, if your laptop is stolen or damaged due to a covered peril when you take it with you on vacation.To read more on these insruance truths, click below:
Basic Truths To Consider When Buying Insurance
One of the most important things to consider when considering your personal or business insurance is, “What is the purpose, or goal, of having insurance in the first place?” If you want insurance to cover every broken window, theft of a lawn mower, or $500 medical bill, then you will pay more for the coverage. But we believe that insurance is designed to protect your business, home and family from the catastrophic events like, fire, serious injury or loss of a vehicle. In other words, losses that will affect your long term--not ruin your day. If you own an older car, it is better for you to increase your deductibles and pocket the premium savings.To read more on these insruance truths, click below:
Why Auto Insurance May Be The Most Important Financial Decision You Make
At Berry Curtis Insurance, we combine premium auto Insurance with personalized service to give you the best coverage possible. Our Redding auto insurance specialists will work with you one-on-one to find a policy that keeps you and your drivers protected at all costs – for peace-of-mind driving assurance.
According to the U.S. Department of Transportation's National Highway Traffic Safety Administration (NHTSA), there are five leading factors involved in auto accidents. To read more on these factors, click below:
Avoid Holiday Party Law Suits
As your Redding business prepares for the annual company holiday party, remember that these activities can increase your risk. While your business insurance would most likely response to claims, we have a number of tips to help reduce the likelihood of litigation. It is worth noting that employers are responsible for the conduct of their employees at all work related events.To read more click below:
Ferguson Riots: A Good Reminder Of How Property Insurance Applies
We all witnessed the recent riots in Ferguson Missouri. Our thoughts and prayers go out to all those affected, with hopes of restoration. Most news reports showed buildings and cars set on fire and stores vandalized. The authorities responded, but pulled back due to safety concerns. These tragic events bring two questions to mind regarding business insurance. First, does business insurance cover damage to my business during a riot? Second, will business insurance pay, even if the fire department stops fighting the fir