Why You Should Think About Getting Life Insurance

Although you may not think you need it, life insurance is a valuable form of insurance that should be purchased by individuals looking to protect their loved ones in the event of their untimely death. You can choose a plan provided by a life insurance company in Connecticut or other areas. Different plans are available and may even continue to grow interest over time.

Think Ahead for Your Family

No one likes to think about dying but preparing for it can be a huge benefit for your family. If you were not around to take care of your loved ones, you would likely want to make sure their needs were met both emotionally and financially. If you know things would be hard on your partner if you were not around, looking into a life insurance plan with a life insurance company in Connecticut is the right thing to do. If something happened, the money from the plan would go to whomever you designate in your paperwork. It could be used for basic needs, college tuition, and much more.

Have Final Expenses Covered

Even after a person passes away, any debt that they had before death often falls on the surviving family members. By having life insurance, you can make sure that all your final expenses are covered, including payments for any debt you owe as well as the cost of funeral expenses.

Life insurance is worth having because it offers more financial protection for your loved ones. It allows you to make sure that your final expenses are also covered.


Coverage That Can Last Generation After Generation

During an emergency, you trust that your insurance can handle it all. Unfortunately, many agencies show their true colors during this exact time. You can find yourself underinsured or paying high deductibles. Thankfully, Walker and Associates Insurance is here to save the day. Our commitment to service for over six decades has made us experts in the industry. This proficiency in combination with our incredible customer care makes us the right choice for coverage.

Our History of Amazing Service

Founded by Doug Walker, Sr. in 1960, our agency has put the customer’s experience as our top priority since day one. We have assisted many generations of families and decades of different businesses in achieving coverage that goes above and beyond. We care for our clients and treat every one that walks through our doors with the professionalism and understanding they deserve.

A Policy Ready for You

Walker and Associates is excited to offer services for both business and individuals. Our commercial lines range from general liability to commercial auto to cyber liability. Meanwhile, our individual customers can enjoy auto, health, life and homeowners coverage. Each of these are built specifically for you.

Be the next to enjoy our amazing customer care and strong coverage. Reach out to one of our team members and learn how you can build insurance that can last for generations!


Gig Economy Insurance: What You Need to Know

The workplace is always changing and shifting. In recent times, a gig economy has arisen. This means that workers have become more or less on-demand workers that are coordinated by employers, online entities or staffing agencies. These workers earn pay by job rather than an hourly wage. When it comes to a business protecting its assets however for these types of workers, gig insurance is what is necessary.

Occupational Accident Coverage

One type of protection that you can count on is benefits of occupational accident insurance. This type of coverage offers benefits as follows:

  • Medical expenses
  • Survivors
  • Accidental death
  • Temporary and permanent disability

Now, when it comes down to it, these policies are more complicated than simple workers’ compensation coverage. However, they are also more flexible.

Importance of Coverage

Given these aren’t traditional workplace environments; worker’s compensation may not protect workers or employees. Most workers are independent contractors and hence they do not receive these benefits. Occupational accident coverage is the answer to this dilemma. It protects the worker and the company in the case of a workplace accident.

When it comes to the changing workplace, insurance companies have to change with it. This is why gig insurance is crucial for many different businesses. As the business world changes, protections have to change with it.


Accidents on Personal Property

Insurance needs vary by location and applicable regulations. For instance, those in the state of New Jersey will find the government requires three types of auto insurance. Potential Palisades insurance needs will include vehicle coverage, but also address residential and commercial concerns.

Property Ownership

Whether you own a piece of commercial real estate or simply maintain your residence in the area, there are several liabilities you might encounter. There are four categories of individuals that will associate with your property: invitee, licensee, social guest, or trespasser. Depending on the situation, any one of these individuals may bring a lawsuit against you or your business for an injury sustained while on your property. There are several factors that are considered when it comes to legal issues involving accidents. They could include:

  • Circumstances by which the individual entered the property
  • The operations occurring on the property
  • The probability of an accident or injury occurring while on the property
  • The reasonable effort put forth by the owners to avoid, repair or warn of dangerous conditions on the property

With Palisades insurance inquiries, you will want to consider the most comprehensive way to address legal liabilities with property ownership. The limits and exposures will vary between residential and commercial properties, so be sure to explain in full detail the uses and intentions for your property.

Coverage and Service That Surpasses Expectations

Your insurance coverage should come from an agency that has premium level service and fantastic coverage options. David Insurance is that agency. Our years of service in the New Jersey area has provided us with the expertise that you need from a company. As an independent agency, we have also built connections and partnerships with some of the best insurance carriers from all around the industry. Allow us to guide you in your coverage journey.

Our History and Approach

Founded in 1981, we have served thousands of businesses and families from all around the Glen Rock area. We do so by working with the right agencies. See, as an independent company we can pull from our many partners in order to give you the kinds of policies and prices that work for you. Our team works with integrity and passion towards your best interests. This way we can help anyone from the smallest businesses to young families to large corporations.

What Can We Provide?

Along with excellent service, we supply an extensive catalog of coverage lines. For businesses we offer:

As for individuals and families we can help you out with auto, homeowners, flood, earthquake and personal umbrella insurance.

Let David Insurance handle the negotiation for you. Just contact us in person or by the phone today!


4 Things To Know About Malpractice Insurance for Lawyers

Many businesses benefit from an errors and omissions insurance policy. Lawyers are no exception. Mid size law firm malpractice insurance for lawyers covers the errors and omissions for firms with 10 to 49 attorneys. The reasons for solo practitioners to have malpractice insurance apply for mid-size firms as well.

Disclosure Requirements

While obtaining malpractice insurance is optional in most states, there are now disclosure laws in over half of them. Those states require lawyers to disclose whether or not they have malpractice insurance and make clients sign a disclosure statement.

Past Coverage

Most insurances do not cover past incidents, but malpractice insurance often does if there was coverage during the time. Lawsuits arising from an uncovered time are the sole responsibility of the practicing attorney.

State Requirements

Not every state requires attorneys to carry malpractice insurance. Currently, the only state legally requiring all lawyers to have malpractice insurance is Oregon.

Malpractice Suit

As a practicing attorney, you probably have given little thought to receiving a legal invoice. It is wise to hire an outside attorney to defend you in a malpractice lawsuit.

Attorneys understand the financial aspects of any legal case. Protect your firm with mid size law firm malpractice insurance for lawyers. Being on the other side of the invoice is easier with insurance coverage.


Insurance Coverage for Boat Borrowing

Owning a boat can be a great deal of fun for you and anyone else you go boating with. However, accidents can also be quite costly. Just as it is advised and encouraged for a car owner to purchase insurance for their vehicle, it is also an excellent idea to find an insurance policy to cover for your boat.

A standard boat insurance policy can safeguard you from costly damages and injuries involving your boat and passengers. However, this is only for if you’re the one using your boat. In the case of letting someone else borrow your boat, you’ll require temporary boat insurance.

What if Your Friends or Family Want to Sail?

With general boat insurance, you and your boat are covered, but anyone else who may borrow your boat is excluded. While this is important coverage to have, if you plan on sharing your boat and allowing others to sail it, it simply isn’t enough. If something were to happen while they are sailing, you would have to cover for the costs required for repairs, injuries, legal fees and anything else involved.

Then What Insurance Do You Need?

In order to include temporary boat insurance within your program, you’ll need to find an umbrella policy. This may mean you have to pay more, but umbrella insurance covers everyone involved with your boat. If you plan on allowing people other than yourself borrow your boat, a temporary boat insurance policy is less expensive than paying out of pocket in the case of an accident.


How Privacy and Network Security Liability Insurance Protects Your Company

Small business owners work hard to grow their companies. If your company requests and maintains customer information, you must manage it properly. If you don’t, you may watch your hard work and financial investment go down the drain. With a privacy and network security liability policy, such as the one from Axis Insurance, you can likely protect sensitive customer data and protect your organization from lawsuits.

Modern Insurance for Modern Companies

Gone are the days when small business owners could avoid collecting customer data or retaining it a computer format. Nowadays, virtually every company collections customer financial, personal, health, and other sensitive information. If someone comprises your storage protocols, you could lose important data. Even worse, your customers may surrender both their privacy and their cash.

Insurance Protection for Computer Breaches

With the right liability policy from Axis, you can protect your small business from a variety of legal challenges. Policies usually cover damages related to the following areas:

  • Network security
  • Privacy breach response expenses
  • Business interruption and work stoppages
  • Regulatory penalties
    Network assets
    If your small business collects or stores customer data, you must do what you can to prevent its misuse. With a privacy and the network security liability insurance policy from Axis, you can help ward off costly lawsuits.

What is a Business Owner’s Policy?

A business owners policy in Carmel is a type of business insurance package devised for the convenience of small and mid-sized companies. It is a culmination of services meant to contain coverages that will protect your business.

Key Features

BOP insurance includes a lot of different coverages in one policy. Some main features may include:

  • • Property and Liability Insurance Bundle: Many companies find the need to invest in both property and liability insurance to adequately protect their business. In one bundle your business gets protection from claims by non-employees of bodily injury, accidental damage to others’ property, medical fees associated with injuries and protection for your business’s equipment, merchandise, and other property.
    • Multiple Locations: Many policies will ensure your property for up to five office locations. This makes it easier to protect your inventory and other equipment at multiple locations at once. It may even cover leased furniture or equipment.
    • Additional Options: Out-of-pocket costs can have a real impact on your small business. You may be able to bundle additional coverage options that protect you against costs incurred is forced to close temporarily due to theft, fire or loss of data.


These plans are beneficial to small businesses that are on a budget. A business owners policy in Carmel may save on costs over purchasing individual plans. It also reduces the decision a business owner needs to make. You get the basic policies you need in one fell swoop.


Things to Take Into Account When Seeking Quotes for Yacht Insurance

The first thing you should consider when seeking out yacht insurance quotes is the age and size of your vessel. If it is over 10 years of age and 27-feet-plus, you may be required to secure a marine survey. You should also take into account the following.

The Yacht

The yacht itself must be covered from bow to stern to protect it against accidents, theft, vandalism, and weather. In addition to hull coverage, you should make certain you insure the

  • Electronic entertainment and navigation equipment
  • Radar
  • Relaxation tubs and water features
  • Satellite TV, phones, and equipment

In addition, your yacht may seep oil or other pollution into the water, and you will be liable for it. Get a quote for insurance protection against this.


If you have a crew, you need to look into commercial coverage. A crew may turn your yacht from a personal vessel to a commercial one. You should also protect your passengers and yourself, including

  • Belongings everyone brings on board
  • Emergency assistance in the event something happens on the water
  • Rental reimbursement
  • Protection and indemnity against damages, injury, and medical expenses

Look for a carrier who can insure you worldwide if you’re really feeling ambitious.

Include all of this and more when you seek out yacht insurance quotes. You can never be over-insured in your luxurious vessel.