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So What is this "Insurance" Anyway?

Posted: 07/12/2020

 service   auto  

All 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?

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Talk About Full Service

Posted: 01/15/2018

 service   auto  

Taking Customer Service to a New Level


Professional Liability Insurance

Posted: 03/23/2017

 business   risk  

Almost 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: 03/23/2017

 auto  

As 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: 11/06/2016

 business   risk  

Here are a few updates on the past risk articles.


Winter Driving

Posted: 11/06/2016

 auto  

Being a Montana gal I've learned some smart things to do to prepare yourself, and your car, for winter driving.


Anti-Indemnity Statute

Posted: 10/11/2016

 business   risk  

Indemnity 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: 10/11/2016

 business  

Phishing has become one of the most common threats online, fooling even the most tech-savvy and cautious users.


Your Home may be Underinsured

Posted: 08/05/2016

 home  

You pay for home insurance to avoid incurring large out-of-pocket expenses after something damages your house and personal property.


Ordinance or Law Coverage

Posted: 08/05/2016

 business   risk  

The situation can be specifically addressed by working with your insurance advisor and construction professional who are versed in coverage and current code requirements.


Do You Volunteer Your Time AND Insurance?

Posted: 07/06/2016

 home  

If 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: 07/06/2016

 business   risk  

Directors & 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: 04/15/2016

 home  

Be 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: 04/15/2016

 business   risk  

A 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: 02/26/2016

 business   risk  

Transportation network companies (TNC's) have become a viable part of the sharing economy.


Wow... Uber is coming to Montana!

Posted: 02/26/2016

 news  

As 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: 01/02/2016

 auto  

Snowmobiles are a significant investment and there are insurance products specifically designed to protect you and your investment.


The Independent Contractor-Addressed Again??

Posted: 01/02/2016

 business   risk  

After 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: 11/16/2015

 business   risk  

In 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.


Reducing Your Insurance Costs ... Distinguishing Bad Advice from Good Advice

Posted: 11/12/2015

 service  

Many Americans are struggling financially in the current economy, particularly those struck by lay-offs, and are faced with tough decisions about how to reduce expenses.


Condominium Association Insurance

Posted: 10/05/2015

 business   risk  

The 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: 10/05/2015

 home  

It 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: 07/17/2015

 business  

Since 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: 07/17/2015

 business  

In this fast paced world, rich in technology, we hang on to the hope that our personal information can remain private.


Summertime and Rental Cars

Posted: 06/06/2015

 auto  

"Should I buy the insurance offered to me when I rent a car? Won't my automobile coverage extend?"


Insuring the Boss

Posted: 04/24/2015

 business   risk  

Workers' 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: 03/13/2015

 business   risk  

The 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: 02/04/2015

 service   risk  

Insurance consumers have become very price conscious and from time to time they will seek quotes to see if they can improve their rates.


An Insurance 'Intermediaries' Duty to the Client

Posted: 02/04/2015

 business   risk  

The question can then be asked: What are the duties to the client while acting in either capacity?


Buying Insurance---in 15 Minutes or Less?

Posted: 01/04/2015

 business   risk  

This is where the need for a face-to-face with an insurance agent/broker is a must!


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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.

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