by dale | Aug 11, 2017 | Blog
I was recently asked to explain the difference between a mortgagee and a loss payee in one sentence. Here’s the sentence: A loss payee may in fact be a mortgagee, but a mortgagee is probably not a loss payee. Not very helpful, right? Here’s a fuller...
by dale | Jul 15, 2016 | Blog
Insurance for artisan contractors is an essential type of special coverage. Insurance agents placing this type of insurance should understand the special risks artisan contractors face – bidding jobs, delivering materials to the site, performing the work, and...
by dale | Jul 3, 2016 | Blog
On June 27, 2016, the Second Appellate District of California decided Pasley v. State Farm General Insurance Company (2016 DJDAR 6479) which addressed an issue Sonoma County homeowners insurance buyers should know: homeowners insurance mold or water damage. The Facts,...
by dale | Jun 30, 2016 | Blog
When buying personal automobile insurance, how much is too much, how little is too little? Buying personal automobile insurance can be confusing. This post will remove confusion about personal automobile insurance. Your agent at Fulcrum Point Insurance knows that...
by nathan smallcomb | Feb 3, 2016 | Blog, Contract Surety
Commercial Lines The insurance industry is categorized into two major sections—Personal Lines and Commercial Lines. Commercial Lines are insurance policies that cover persons and entities engaged in business whether or not the motive for the operation is to make a...
by nathan smallcomb | Jan 15, 2016 | Blog
Contract Surety There are many times when a surety bond is required. A surety bond is an instrument whereby the obligee (the party requiring the bond) will be paid a sum up to the penal amount (the face amount) of the bond if certain conditions occur. In the Surety...
