FirstMark Blog
Personal
Deductibles – what are they, how do they work, and how do I pick the right one?
What is a deductible? A deductible is the amount of your own money you are willing to pay toward any claims you file. A deductible is “first dollar” coverage, which means you would pay your deductible first before the insurance company contributed any dollars to...
Do I need to purchase insurance for my motorcycle?
The short answer is YES. With the recent law change in Washington State, you now must purchase insurance on your motorcycle as well as carry proof of insurance with you when driving your motorcycle. In addition to satisfying the law, there are a few other items to...
Help me understand the homeowners claims process – should I turn in a claim and how will it impact rates?
You pay a lot of money for your insurance and you want your policy to take care of you when you have a loss. We agree. However, there are a few things you will want to consider before you actually file a claim. Advice...
Commercial
EPLI
Good Morning, What if you were just served papers from your employee Sally for sexual harassment. Now what? This month I would like to spend a couple minutes on the topic of Employment Practices Liability Insurance (EPLI). Here are the key things you need to know. If...
A Note on Restaurant Kitchen Fires
Every year restaurant owners report over 5,600 claims related to kitchen fires totaling over $116 million in damages. If you own a restaurant, here are some key things you should know. 63% of these fires are caused by cooking activities Grease laden vapors, towels and...
A Note on Liquor Liability
As a restaurant owner one of the largest potential liability claims exposures you face is around Liquor Liability. Here are the key things you need to know. Who Needs Liquor Liability? Liquor Liability provides protection for you from lawsuits caused by the acts of a...
