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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.
Ordinance or Law Coverage
Posted: 08/05/2016The 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: 07/06/2016If 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.
Reducing Your Insurance Costs ... Distinguishing Bad Advice from Good Advice
Posted: 11/12/2015Many 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: 10/05/2015The 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.
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.
An Insurance 'Intermediaries' Duty to the Client
Posted: 02/04/2015The 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: 01/04/2015This 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.