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?
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.
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.
Here are a few updates on the past risk articles.
Being a Montana gal I've learned some smart things to do to prepare yourself, and your car, for winter driving.
Indemnity clauses generally are more common to construction projects primarily due to the risks involved maintaining a safe work environment.
Phishing has become one of the most common threats online, fooling even the most tech-savvy and cautious users.
You pay for home insurance to avoid incurring large out-of-pocket expenses after something damages your house and personal property.
If a volunteer endeavor goes bad, would a volunteer board member have coverage against a lawsuit under his or her homeowner's policy?
Directors & officers of a corporation may be subject to personal liability for acts performed in their duties as an officer or director.
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...
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?
Transportation network companies (TNC's) have become a viable part of the sharing economy.
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.
Snowmobiles are a significant investment and there are insurance products specifically designed to protect you and your investment.
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.
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.
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.
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.
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!
In this fast paced world, rich in technology, we hang on to the hope that our personal information can remain private.
Insurance contracts are constructed with the intent to provide coverage for certain risks of loss, but not for all of them.
"Should I buy the insurance offered to me when I rent a car? Won't my automobile coverage extend?"
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 oil patch has provided great opportunities for employment for numerous workers. With work opportunities naturally goes the need for workers' compensation insurance coverage.
Insurance consumers have become very price conscious and from time to time they will seek quotes to see if they can improve their rates.
This is where the need for a face-to-face with an insurance agent/broker is a must!
Did you know that the new grill guard you had mounted on your pickup truck may not be covered if damaged in an accident?
Montana was one of the first states to enact legislation relating to the needs of injured workers.
Common questions after damage from the hail storm.
In a claim for negligent entrustment you will have cause to pursue not only the driver of the vehicle for compensation, but also the owner!
Carving 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.
Generally all Property/Casualty policies you purchase will fall into one of two categories-"Occurrence" or "Claims Made".
One 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.
There are two distinct "Claims Made" policy forms and the difference can determine the outcome of a potential claim.
Are you out-of-luck when your vehicle is broken into? Not necessarily...
A 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.
Risk is the uncertainty of loss. It is not knowing when or how a loss of property or income will occur
Were you aware that not all home owner and business owner insurance policies contain coverage for damage caused by sewer or drain backup?
Just 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.
A Scheduled Personal Property endorsement is tailored to meet your specific needs, and protects your things that have unique and often high values.
Most believe auto insurance follows the driver, not the vehicle. Not the case in Montana where insurance follows the vehicle.
On Mother's Day weekend our house was robbed. Learn from our experience!
It is impossible to turn on the television these days and not hear insurance company after insurance company claim that they can save you money.
Most insurance companies offer some optional coverage for towing or roadside assistance.
The best advice for driving in bad winter weather is to not drive at all, if you can avoid it.
Harry Staley with Staley's Tire & Automotive says check the air pressure in your vehicle's tires regularly during the winter months.
The 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."
Auto 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.
As 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.
During the summer months, the number of motorcycles on the roads increases drastically. Here are a few tips.
Safeco Insurance Company is now offering this optional coverage to its homeowner's clients for only \$2 a month.
It is easy to get wrapped up in which coverages you are required to carry.
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.