John M. Biggio Lighthouse Weekly - Issue #14

Article of The Week

Insurance needs are often overlooked in the last-minute scramble. But relying on existing coverage — or a lack of it — can end up costing families during the college years and perhaps beyond. Parents don’t need to buy all kinds of additional insurance as they pack the kid off to college. But they had better at least review their coverage to know whether they’re prepared for that stolen iPad, trip to the emergency room or worse.
Don't Forget Insurance With College-Bound Kids

Automobile

No matter how carefully you drive, it's not always possible to avoid unpleasant encounters with the abundance of jerks you'll find on the road. Sooner or later, you're bound to have interactions with drivers who cut you off, are screamers, or refuse to give up their insurance information following a collision. Here are some tips on how to deal with them.
How To Deal With Jerks On The Road

Homeowners
Whenever hurricanes approach, nervous residents reach for their insurance documents to better understand how well they're protected against damages. Understanding the basics of how you're protected can provide some peace of mind now and help you make informed decisions in the future.

How Hurricane Insurance Works

Commercial Line

With the recent downturn in the real market, investment purchases of rental property are actually on the rise. Many people turn to real estate to increase their assets and wealth.  Owning investment property makes you a business owner.  Every business needs to protect its assets and reduce the owners from personal risk.  This is done with the purchase of landlord insurance.

Landlord Insurance

John M. Biggio Lighthouse Weekly - Issue #13

Article of The Week

Commercial property/casualty insurance rates continued to rise in July, increasing 4% on average compared with those of a year earlier, according to a report released Monday by MarketScout.
Property/casualty insurance rates increase in July: MarketScout

Automobile

The first "driverless cars" now are hitting the highways, aiming to reduce accidents and make traveling safer. Fewer accidents should lead to lower car insurance rates. But who will be "at fault" if an automated car causes a crash?
It Wasn't Me, It Was My Car!

Homeowners

The following list is courtesy of A.M. Best. Rankings are based on direct premiums written for homeowners multiple peril insurers.
The Largest Home Insurance Companies By Market Share

Commercial Line

Two out of five drivers admit they've fallen asleep at the wheel, according to the AAA Foundation for Traffic Safety. One in 10 drivers acknowledged doing so in the previous year. Knowing that a one-ton vehicle could crash into you at any given moment because of an exhausted driver is scary -- but what if that driver was operating a semi-truck weighing more than 30,000 pounds? If a commercial truck driver were to cause an accident after falling asleep at the wheel, the result likely would be catastrophic. With this in mind, officials are proposing stricter rules for commercial drivers.
Proposed drowsy driving rules target truckers