Hamilton Drayton Agency Inc.

09/03/2021

Tip of the day:

While working, your employee severely hurts her foot while performing her job duties. She needs a cast and crutches and will be unable to work while her foot heals. Until she is able to return to work, workers’ comp will pay her medical bills and a portion of her lost income while she recovers.

Workers’ comp is legally required in almost all states. No matter how careful your employees are, accidents can and do happen. In the event of a work-related injury or illness, workers comp will provide funds for employee’s medical expenses and lost income. It also provides financial benefits if an employee dies in a work-related accident to their surviving dependents. Also, if an employee isn’t acting within the scope of their employment and becomes injured, workers’ compensation insurance won’t cover them.

If you’re in need of commercial property insurance, our Hamilton Drayton Agency Inc. agents can help you determine what’s right for you. You can contact us at 833-432-7475 or send an email to [email protected] and one of our qualified agents will get back in touch with you. Our experienced underwriting experts remain available if there are any questions.

09/02/2021

Tip of the day:
You own and operate a thriving warehouse. One afternoon, a fire breaks out and destroys a lot of your merchandise. Luckily for you, you have commercial property insurance, and it will cover the loss you experienced. Commercial property insurance will protect the value of your business property if it is damaged or destroyed.
An unexpected disaster could strike damaging your building, equipment, or stock. Should this happen, it can be both time consuming and costly to recover without insurance coverage. Commercial property insurance can help provide money to fix or replace damaged business property including signage, supplies, tools and more. It also will protect your property from water damage, hair, explosions, vandalism, fire, and windstorms.

If you’re in need of commercial property insurance, our Hamilton Drayton Agency Inc. agents can help you determine what’s right for you. You can contact us at 833-432-7475 or send an email to [email protected] and one of our qualified agents will get back in touch with you. Our experienced underwriting experts remain available if there are any questions.

09/01/2021

Tip of the day:

If your business owns or leases vehicles under your business name, you need commercial auto insurance coverage. You own a company and one of your employees takes the company car to go to one of your client’s home. The employee parks the car and forgets to put on the parking brake. The car rolls and hits a brick wall on their driveway and damages it. Your commercial auto insurance will cover the damages to the home and will cover the damages to your company vehicle.

Commercial auto insurance will pay for any resulting third-party bodily injury, property damage or pollution cleanup if one of your employees is driving your company vehicle. It will also cover the value of the vehicle itself if it’s damaged by an accident or another hazard, like an object falling on the vehicle or if the vehicle gets stolen.

If you’re in need of commercial auto insurance, our Hamilton Drayton Agency Inc. agents can help you determine what’s right for you. You can contact us at 833-432-7475 or send an email to [email protected] and one of our qualified agents will get back in touch with you. Our experienced underwriting experts remain available if there are any questions.

08/31/2021

Tip of the day:

As a plumber, you have a wide variety of tools and specialized equipment to be able to perform your job. You have a plumbing company and your employees have been hired to re-pipe a customer’s home. The job will take several days, and you leave some of your equipment at the job site. The customer’s home happened to be burglarized and your equipment was stolen. If you have inland marine insurance, you would be reimbursed for the lost items.

Inland marine offers protection for your business property that does not remain at a permanent location and is not covered by a standard commercial property insurance policy. This could include supplies, tools, and equipment that a company may need to transfer from location to location or leave at a client site. Inland marine insurance covers the equipment your plumbers take with them to perform their work.

If you’re in need of inland marine insurance, our Hamilton Drayton Agency Inc. agents can help you determine what’s right for you. You can contact us at 833-432-7475 or send an email to [email protected] and one of our qualified agents will get back in touch with you. Our experienced underwriting experts remain available if there are any questions.

08/30/2021

Tip of the day:

As a teacher, you are responsible for anywhere between 15-30 students at one time. While in your care, you are expected to keep them all safe. For example, you were asked to step outside of your classroom and were only gone for a moment. Two students get into an altercation and one of them gets injured. The injured parties’ parents can hold you responsible and decide to sue you due to lack of supervision.

A lot of teachers carry professional liability insurance. Since it seems that more parents bring lawsuits against schools and teachers for events that happen in the classroom or at school, a teacher’s best chance to avoid destitution is to have liability insurance available. Professional liability insurance is a good idea for anyone who works in a professional position. Professional liability insurance can cover mistakes and negligence as well as legal defense costs.

If you’re in need of professional liability insurance, our Hamilton Drayton Agency Inc. agents can help you determine what’s right for you. You can contact us at 833-432-7475 or send an email to [email protected] and one of our qualified agents will get back in touch with you. Our experienced underwriting experts remain available if there are any questions.

Hamilton Drayton Agency, Inc. is a full-service boutique insurance brokerage. We provide unparalleled service and a full understanding of risk and hazard exposures in your industry.

08/27/2021

Tip of the day:

As a small business owner, you have spent a great amount of time, energy, and money establishing your company to get it up and running. Because of this, you need general liability insurance. Every business needs coverage in the event that something goes wrong. Something as simple as a minor accident or error could lead to legal action that can have devastating outcomes for a small business.

General liability insurance will cover the costs associated with legal action stemming from bodily injury or property damage affecting a third party. Simply launching a small business exposes the owner to a variety of severe liability risks. Should these risks result in a lawsuit, it could have ruinous financial consequences for the small business. For most small businesses with a modest staff size and assets, the cost of general liability insurance is very practicable. Having general liability insurance is undoubtedly more manageable than a lengthy lawsuit.

If you’re in need of general liability insurance, our Hamilton Drayton Agency Inc. agents can help you determine what’s right for you. You can contact us at 833-432-7475 or send an email to [email protected] and one of our qualified agents will get back in touch with you. Our experienced underwriting experts remain available if there are any questions.

08/26/2021

Tip of the day:

As a marketing consultant, you collect valuable information on your targeted audience. The way you collect your information include online surveys, market studies, focus groups, polling, research surveys and customer feedback. Your clients believe that the information you provide is precise and will assist in the growth of their business. Should your research be wrong, or you make a mistake, you could face a pricey lawsuit.

Most small companies need Errors and Omissions insurance to help protect them from being ruined financially. This is particularly true if you’re looked at as an expert in your industry or if you offer advice to customers on a regular basis. As a business owner, you can face a lawsuit at any given time. E&O insurance will help pay your legal fees if you’re sued for mistakes or errors in your services. Also remember that even if you didn’t make a mistake or error, customers could still sue you. Without this coverage, you’ll have to pay out-of-pocket for your legal fees and settlements.

If you’re in need of E&O insurance, our Hamilton Drayton Agency Inc. agents can help you determine what’s right for you. You can contact us at 833-432-7475 or send an email to [email protected] and one of our qualified agents will get back in touch with you. Our experienced underwriting experts remain available if there are any questions.

08/25/2021

Tip of the day:

You wanted to be the “cool parent”. So, you decided that your kids could have friends over and you’d buy them alcohol as long as they promised to stay in the house (not smart). After drinking, one of the kids decided to leave the house. While driving, he slams his car into a brick wall and dies on impact. It was revealed that he had alcohol in his system, and he was highly intoxicated. The parents knew he was at your house and decided to sue you for giving alcohol to the kids. The lawsuit is in their favor, and they are awarded $3 million.

Situations like this is where umbrella insurance is needed. Umbrella insurance is additional insurance that offers protection beyond current limits and coverages of your other policies. Umbrella insurance can provide coverage for personal liability situations, property damage, injuries, and certain lawsuits. Although you may believe that if you have homeowners and auto insurance, some of the situations will already be covered. While that is true, however umbrella insurance insures you above and beyond the limits of those policies and covers some circumstances that are not covered by those other policies.

If you’re in need of umbrella insurance, our Hamilton Drayton Agency Inc. agents can help you determine what’s right for you. You can contact us at 833-432-7475 or send an email to [email protected] and one of our qualified agents will get back in touch with you. Our experienced underwriting experts remain available if there are any questions.

08/24/2021

Tip of the day:

You’re a not-for-profit organization and you’re holding a fundraising event. In order to have the event, you receive a temporary operating fund from another company, but it has to be repaid from the earnings from the event. Somehow, the money was unintentionally deposited into your general account by an employee, and it was used to pay general expenses. Unfortunately, your company had to file for bankruptcy and was unable to return the money you borrowed from the other company. A lawsuit was launched against your company and the claims made against the directors involved negligence for failure to properly oversee the employee and for breach of trust.

D&O insurance pertains to someone who serves as a director or an officer of a for-profit business or not-for-profit organization. A D&O insurance policy protects against personal losses, and it can also help repay a business or not-for-profit for the legal costs or other expenses sustained in defending such individuals against lawsuits.

If you’re in need of D&O insurance, our Hamilton Drayton Agency Inc. agents can help you determine what’s right for you. You can contact us at 833-432-7475 or send an email to [email protected] and one of our qualified agents will get back in touch with you. Our experienced underwriting experts remain available if there are any questions.

08/23/2021

Tip of the day:

Imagine owning a small business where you have cash registers and point-of-sale terminals. Somehow, criminals remotely accessed the sales terminals of the company’s clients and were able to get their credit card information. The criminals were able to hack into your system through a leaky software application that your company had. You now must notify all of your customers of the breach.

Cyber insurance usually covers your business' liability for a data breach that involves confidential customer data such as credit card numbers, social security numbers, driver's license number and health records. Cyber insurance not only covers legal fees and expenses, but it also will help with:

• Notifying customers about a data breach
• Repairing damaged computer systems
• Recovering compromised data
• Restoring personal identities of affected
customers

If you’re in need of cyber insurance, our Hamilton Drayton Agency Inc. agents can help you determine what’s right for you. You can contact us at 833-432-7475 or send an email to [email protected] and one of our qualified agents will get back in touch with you. Our experienced underwriting experts remain available if there are any questions.

08/20/2021

Tip of the day:

Being a rock climber, you know that slips, falls and accidents can happen. Therefore having life insurance as a rock climber is very important. Life insurance companies want to ensure that their policyholders, in spite of their dangerous hobbies, are protected for the circumstances that might arise over the course of their life participating in this sport.

Climbing in a gym is generally safe, but injuries can happen there just as they can happen outside. Bouldering, or climbing brief routes with no ropes or harness, can also lead to injuries and falls. Rock climbing of all kinds carries an inherent threat of falling simply because of the nature of the sport. Because not all climbers are the same, the insurance company will want to find out more about your hobby in order to charge you the proper premium.

If you’re in need of life insurance, our Hamilton Drayton Agency Inc. agents can help you determine what’s right for you. You can contact us at 833-432-7475 or send an email to [email protected] and one of our qualified agents will get back in touch with you. Our experienced underwriting experts remain available if there are any questions.

08/19/2021

Tip of the day:

An apartment complex can as a condition of their lease agreements, require that their tenants obtain and provide proof that they have purchased Renters Insurance. Landlords are worried about liability arising from your possession of their property. If you have a guest and they slip inside the unit and is injured, they may sue you but may also sue the landlord. By having you obtain a policy and name them as additional insured they are less vulnerable to lawsuit.

By requiring renters insurance, apartments are able to make sure that everyone living there would be able to pay for damages that they caused through negligence, such as a kitchen fire or overrunning a bathtub causing a leak to the tenant below them. Having renters insurance protects other tenants, as well as the apartment complex. Your renter’s policy will also have money available for you to restore what you have lost.

If you’re in need of renters insurance, our Hamilton Drayton Agency Inc. agents can help you determine what’s right for you. You can contact us at 833-432-7475 or send an email to [email protected] and one of our qualified agents will get back in touch with you. Our experienced underwriting experts remain available if there are any questions.