Inland marine insurance covers goods, tools, equipment and other property not fixed to a location and is not covered by standard commercial property insurance. Despite the name, inland marine has nothing to with insuring boats stored on land. So why is it called inland marine? Hundreds of years ago, ocean shipping was the primary means […]
Do You Need Jewerly Insurance?
Your jewelry, whether it’s a family heirloom or your wedding ring, is important to you. If you lost it or it was stolen, could you afford to replace it? While your homeowners insurance policy most likely includes some coverage for valuables (jewelry, antiques, artwork, etc.), it may not cover the entire replacement cost. Most policies […]
Commercial Umbrella Insurance – What’s That All About?
Commercial Umbrella Insurance (or Excess Liability coverage) helps protect your business from the risk of large lawsuits against your company. It’s a form of liability insurance that covers you when your general liability (GL), auto liability or other coverages aren’t sufficient to pay for damages. Although fairly rare, a large judgement againt your business can […]
Homeowners Insurance & Liability – How Much Do You Need?
Homeowners insurance covers your home and your possessions, but it also covers liability. Liability is the part of your homeowners insurance that protects you if someone gets hurt on your property. With anything that happens (dog bite*, broken arm from a fall from a trampoline, a cracked hip from a slip on a deck, etc.) […]
What is the 80% Rule for Homeowners Insurance?
The 80% rule refers to the fact that most insurance companies will not fully cover a claim for damage to your house due to the occurrence of an insured event (such as a fire or wind damage) unless you have purchased insurance coverage equal to at least 80% of you house’s total replacement value. In […]
Safe Driving in Work Zones
We’ve all run into road construction on our daily work commutes and weekend travel. While it’s not always convenient to slow down or stop to accomodate the construction barriers, it is of the utmost important to be cautious and courteous in construction zones for the safety of road workers, fellow drivers and yourself. Many areas […]
Flood Insurance – Stuff You Need To Know
In our neck of the woods (western Arkansas) flooding is an all-too-real occurrence that affects many families and businesses. This past spring, the damage from floods in our community was astonishing. Some recovered better than others, and some will not recover at all. Before we make it back around to our next spring storm season, […]
Cross Pointe Journal – Insurance News for You
Click for news about Cross Pointe programs, services and pertinent information about your home and business. CP Journal SS 19
Be Weather Aware
With the potential for severe weather always looming this time of year, we would like to share some basic information you can utilize for the safety of your family and business. Having an emergency procedure in place for home and office is a good starting point. Here is an example of an emergency plan for […]
A Special Gift, Deserves Protection
Either it is a special gift or a gift to yourself, insurance for a new piece of jewelry is not usually a thought that crosses your mind. Many people who find themselves victimized by burglars—or worse, a fire or some other disaster—also find out too late that they didn’t have enough insurance to replace their […]
Should You Buy a New House?
When ever you are ready to purchase a house, one of the big questions that usually pops is: Should I buy a new or pre-owned house ? There are pros and cons on buying a new home. It comes to thinking about what to expect and how it will effect you. Here is a great […]
We Have a New Website!
Cross Pointe Insurance Advisors has launched a new mobile responsive website, cp-ins.com. What does mobile responsive mean? Responsive design provides an optimal viewing experience—easy reading and navigation with a minimum of resizing, panning, and scrolling—across a wide range of devices (from mobile phones to desktop computer monitors). Thank you DatAchieve Digital! If you have questions […]