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So What is this "Insurance" Anyway?
Posted: 07/12/2020All the terms about drive a person mad: perils, premiums, hazards, losses and limits. There seems no end to it, and what does it all mean?
Professional Liability Insurance
Posted: 03/23/2017Almost every business or firm can become liable for injury to others resulting from a condition on its premises or arising out of its operations, products, completed work or actions of its employees.
Insuring Your Summer Toys
Posted: 03/23/2017As summer loosens its grip and spring seems just around the corner, many of us look forward to heading out to enjoy our summer toys.
Update on Past Articles
Posted: 11/06/2016Here are a few updates on the past risk articles.
Winter Driving
Posted: 11/06/2016Being a Montana gal I've learned some smart things to do to prepare yourself, and your car, for winter driving.
Anti-Indemnity Statute
Posted: 10/11/2016Indemnity clauses generally are more common to construction projects primarily due to the risks involved maintaining a safe work environment.
Phishing, Don't Take the Bait
Posted: 10/11/2016Phishing has become one of the most common threats online, fooling even the most tech-savvy and cautious users.
Your Home may be Underinsured
Posted: 08/05/2016You pay for home insurance to avoid incurring large out-of-pocket expenses after something damages your house and personal property.
Do You Volunteer Your Time AND Insurance?
Posted: 07/06/2016If a volunteer endeavor goes bad, would a volunteer board member have coverage against a lawsuit under his or her homeowner's policy?
Directors and Officers Insurance
Posted: 07/06/2016Directors & officers of a corporation may be subject to personal liability for acts performed in their duties as an officer or director.
Home Improvement Season!
Posted: 04/15/2016Be cautious when selecting a contractor to work for you when making repairs or improvements to your home. A couple of things you should know...
Does Faulty Workmanship Qualify as an Occurrence
Posted: 04/15/2016A question asked, and tried to be answered, in many different courts! Numerous articles have been written and rewritten, along with state and federal court decisions, that all address the same question: Is faulty workmanship an occurrence?
TNC Update & Montana & the Ride-Share Industry
Posted: 02/26/2016Transportation network companies (TNC's) have become a viable part of the sharing economy.
Wow... Uber is coming to Montana!
Posted: 02/26/2016As exciting as this sounds, and as easy as it may seem to make a few extra bucks driving for UBER, insuring yourself and your car to drive for UBER is an opportunity that requires further investigation.
Hey "Sled-Heads" are you ready to go "Billing?"
Posted: 01/02/2016Snowmobiles are a significant investment and there are insurance products specifically designed to protect you and your investment.
The Independent Contractor-Addressed Again??
Posted: 01/02/2016After a Montana Supreme Court decision in 2003, "Kelly Wild vs Fregein Construction", significantly changed the status of independent contractor exemptions, the 2005 Montana Legislature re-established the conclusive status of the IC exemption certificate.
Buying Workers' Compensation Insurance
Posted: 11/16/2015In Montana, every employer who has an employee is required to purchase, or self insure, coverage for an injury or illness arising out of and in the course and scope of employment.
Condominium Association Insurance
Posted: 10/05/2015The condominium association business is managed by its by-laws and declarations. These are unique to each association and deal with the day-to-day obligations and duties of the board and unit owners.
What should I know when buying my Condominium Unit Owners policy?
Posted: 10/05/2015It is important to know that your role as a unit owner is spelled out in your association documents, namely the By-Laws and Declarations. If you can't lay your hands on a copy you should ask a member of your association board for one.
Transportation Network Companies-TNC's
Posted: 07/17/2015Since December 2014, there were approximately 163,000 active Uber drivers, offering about 1 million paid rides a day in more than 250 cities around the world!
Cyber Liability Insurance
Posted: 07/17/2015In this fast paced world, rich in technology, we hang on to the hope that our personal information can remain private.
Triggering Property Insurance Coverage---Maybe!
Posted: 06/06/2015Insurance contracts are constructed with the intent to provide coverage for certain risks of loss, but not for all of them.
Summertime and Rental Cars
Posted: 06/06/2015"Should I buy the insurance offered to me when I rent a car? Won't my automobile coverage extend?"
Insuring the Boss
Posted: 04/24/2015Workers' Compensation Coverage is generally always a substantial cost item in any business financial statement. Therefore, business owners pay special attention to the various methods in containing those costs.
"The Bakken and Workers' Compensation Coverage"
Posted: 03/13/2015The Bakken oil patch has provided great opportunities for employment for numerous workers. With work opportunities naturally goes the need for workers' compensation insurance coverage.
"All I want is a Quote..."
Posted: 02/04/2015Insurance consumers have become very price conscious and from time to time they will seek quotes to see if they can improve their rates.
Buying Insurance---in 15 Minutes or Less?
Posted: 01/04/2015This is where the need for a face-to-face with an insurance agent/broker is a must!
Custom Parts & Equipment
Posted: 01/04/2015Did you know that the new grill guard you had mounted on your pickup truck may not be covered if damaged in an accident?
Workers' Comp. and the Independent Contractor
Posted: 12/02/2014Montana was one of the first states to enact legislation relating to the needs of injured workers.
Claims—Surviving the Storm
Posted: 12/02/2014Common questions after damage from the hail storm.
Negligent Entrustment
Posted: 11/01/2014In a claim for negligent entrustment you will have cause to pursue not only the driver of the vehicle for compensation, but also the owner!
The Value of Having a Local Agent
Posted: 11/01/2014Carving out that time to sit down with an agent and do a thorough review of your insurance needs will ultimately save you considerable time each year when your policies renew.
Occurrence vs. Claims Made..& Switching!
Posted: 10/06/2014Generally all Property/Casualty policies you purchase will fall into one of two categories-"Occurrence" or "Claims Made".
How you Pay your Premium affects How Much you Pay
Posted: 10/06/2014One thing that many insurance consumers do not take in to consideration is that how they pay their insurance premium can affect how much they pay.
"Claims Made"------and "Reported"
Posted: 08/04/2014There are two distinct "Claims Made" policy forms and the difference can determine the outcome of a potential claim.
Covering Theft from your Vehicle
Posted: 07/01/2014Are you out-of-luck when your vehicle is broken into? Not necessarily...
A Serious Gap in Homeowners Insurance Coverage
Posted: 07/01/2014A number of surveys and studies have clearly indicated that consumers are largely unaware of the potential coverage gap that may be created by certain occupancy situations.
Managing Risk
Posted: 06/01/2014Risk is the uncertainty of loss. It is not knowing when or how a loss of property or income will occur
Do you have Coverage for Sewer or Drain Backups?
Posted: 06/01/2014Were you aware that not all home owner and business owner insurance policies contain coverage for damage caused by sewer or drain backup?
Don't get Bit by your Home Insurance Policy
Posted: 03/25/2014Just like people, dogs have their good days and bad days. Dog bites can be serious, resulting in severe injuries or even death, as well as emotional damage.
Better Personal Property Protection
Posted: 02/24/2014A Scheduled Personal Property endorsement is tailored to meet your specific needs, and protects your things that have unique and often high values.
If you loan your vehicle...
Posted: 01/23/2014Most believe auto insurance follows the driver, not the vehicle. Not the case in Montana where insurance follows the vehicle.
Burglars Are Watching!
Posted: 11/25/2013On Mother's Day weekend our house was robbed. Learn from our experience!
Should You Shop Your Insurance
Posted: 10/20/2013It is impossible to turn on the television these days and not hear insurance company after insurance company claim that they can save you money.
Do You Have Winter Driving "covered?"
Posted: 10/19/2012Most insurance companies offer some optional coverage for towing or roadside assistance.
Cold Weather Driving Safety Tips
Posted: 10/15/2012The best advice for driving in bad winter weather is to not drive at all, if you can avoid it.
Tire Safety Tips
Posted: 10/01/2012Harry Staley with Staley's Tire & Automotive says check the air pressure in your vehicle's tires regularly during the winter months.
Getting to Know Your Homeowner's Policy
Posted: 09/12/2012The standard homeowners form used by the insurance industry today covers many water related claims, mainly from water that is "supposed to be in your home."
Automobile Insurance Gets Personal
Posted: 07/29/2012Auto insurance companies set their rates based on what they perceive the risk of a loss to be, but technology has given companies new and innovative ways to better assess risk.
Insuring Your Summertime Toys
Posted: 07/13/2012As Montanans, we consider ourselves fortunate to live in such a beautiful state with so much opportunity for outdoor recreation. We relish in the adventures that can be found each summer along our highways, in our many campgrounds, and on our lakes and rivers.
We're All in this Together
Posted: 07/02/2012During the summer months, the number of motorcycles on the roads increases drastically. Here are a few tips.
Home Coverages You Never Knew you Needed
Posted: 04/21/2012Safeco Insurance Company is now offering this optional coverage to its homeowner's clients for only \$2 a month.
What has your Insurance Done for You Lately?
Posted: 03/06/2012It is easy to get wrapped up in which coverages you are required to carry.
Our Insurance Partners
— Protecting Everything You Value Most —
Darnielle Insurance is available to answer your questions. We are located at 1320 28th Street West, Billings, MT 59102. Give us a call at 406-652-4180.