by Tom Moore | Feb 27, 2026 | Personal Insurance
Key takeaway: Indemnification clauses and insurance exposure go hand in hand. An indemnification clause shifts financial responsibility from one party to another, often requiring you to defend and pay for losses that may go beyond your insurance policy limits. Spokane...
by Tom Moore | Feb 20, 2026 | Personal Insurance, Small Business Insurance
Key takeaway: When to separate personal and business insurance depends on whether your activities create business liability exposure. If you earn income, serve clients, use vehicles for work, or hold property in an LLC, your personal policy may not respond to a claim....
by Tom Moore | Feb 18, 2026 | Home Insurance, Personal Insurance
Key takeaway: Yes, you can be sued if someone slips on your icy porch, especially if it appears you failed to take reasonable steps to address a known hazard. In Spokane’s winter climate, homeowners have a duty to maintain safe conditions. Your homeowners policy may...
by Tom Moore | Feb 11, 2026 | Personal Insurance
Key takeaway: An auto insurance scam in Spokane can leave you legally uninsured even though you paid for a policy and received paperwork. These scams often involve fake agents, diverted payments, or policies that were never issued by a real insurance company. Spokane...
by Tom Moore | Feb 6, 2026 | Personal Insurance
Key takeaway: What does umbrella insurance cover? It provides extra liability protection when your auto, homeowners, or other personal policies hit their limits. For Spokane households with assets, teens, rentals, or active lifestyles, umbrella insurance is often the...
by Tom Moore | Feb 4, 2026 | Personal Insurance, Home Insurance
Key takeaway: Storm damage insurance in Spokane can protect you from wind, hail, fallen trees, and water damage, but only if your coverage matches real storm risks. Many denied or underpaid claims come down to exclusions, deductibles, and misunderstandings that could...
