Category: Liability Insurance

5 Ways to Happy Holidays

5 Ways to Happy Holidays

Family, friends and festivities should be the focus of the holiday season, but don’t let this joyous time be marred by fire, theft, accidents and other disasters. Taking a few simple steps, and having the right insurance coverage can reduce these seasonal hazards. Start with these 5 safety tips…

Liability & Safety Tips for Dog Owners

Liability and Safety Tips for Dog Owners

Most dogs are friendly, loving members of the family, but even normally docile dogs may bite when they are frightened or when protecting their puppies, owners or food. According to the Centers for Disease Control and Prevention (CDC), more than 4.7 million people are bitten by dogs annually, resulting in an estimated 800,000 injuries that require medical attention. More than 50% of dog bites occur on the dog owner’s property, and they account for one-third of all homeowners insurance liability claims.

8+ Ways To Be A Great Landlord

Happy Landlord

Landlords: Following 8+ steps will help you select your tenants and communicate with them to create a healthier and happier experience for everyone involved. Suggest that your tenants purchase Renters’ Insurance; and call us at Dwyer Insurance– 401-846-9629 about Landlords’ Insurance. We’re Here to Help!

4 Essential Protections of Homeowners Insurance

D.F. Dwyer Homeowners Insurance

Homeowners coverage provides financial protection against loss due to disasters, theft and accidents. Most standard policies include four essential types of coverage: the structure of your home, personal belongings, liability protection, additional living expenses (ALE).

What’s Your “Whether” Forecast?

Umbrella Insurance

Whether you call it a Bumpershoot, Brolly, Gamp, Parasol or Parapluie… before you can determine if you need a personal Umbrella policy, it’s important to understand exactly what umbrella coverage is, how it works and how much it costs.

Michael Phelps’ Pool Safety

Pool Safely, Simple Steps Save Lives

Michael Phelps, the World’s most decorated Olympian, and greatest swimmer in the history of the sport, with his Foundation, will help educate millions of Americans and their families about the simple water safety steps that can save lives. We would see a dramatic decline in the number of fatal and non-fatal drownings that occur each year in pools and spas, if owners and operators followed these Pool Safely Precautions…

Spring Cleaning For Your Insurance Policies

Spring Cleaning For Your Insurance Policy

Spring is the traditional time of year for cleaning your home, and it is also an ideal time to review your insurance coverage. As seasons pass, our lives change, and so do our insurance needs. Take the time this spring to read your policies and ask yourself the following key questions…

A Winning Social Hosting Game Plan

Winning Social Hosting Game Plan

Whether you are hosting a Super Bowl party or celebrating a birthday with friends in your home, if you are planning to serve alcohol at any type of event it is important to take steps to limit your liquor liability and make sure you have the proper insurance. Most importantly, remember that a good host is a responsible host; one that takes steps to ensure their guests get home safely if they have been drinking. To assist you with this, we’ve drawn up A Winning Social Hosting Game Plan for you.

Plan Your Yard Sale with Safety in Mind

Yard Sale

A yard sale is a great way to clean out your home, make a little money and do good for the environment by providing a second life for your possessions. But your enterprise could get expensive if someone gets hurt on your property and decides to sue.

Who Needs An Umbrella Policy?

Who Needs Umbrella Insurance?

An umbrella policy kicks in when you reach the limit on the underlying liability coverage in a homeowners, renters, condo or auto policy. It will also cover you for things such as libel and slander.

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