Three Things You Should Know About Professional Liability Insurance

Small business owner smiling.

As a business owner, professional liability insurance is a must-have.

As a business owner, you know that protecting your business is just as important as building it up in the first place. The best ideas, the best products, and the best customer experience can meaningless in an instant if an emergency takes place that prevents you from continuing to operate your business at a normal capacity.

That’s where insurance comes in. Every business should be insured against a number of potential hazards.

Professional liability insurance covers you should accusations of malpractice or misconduct prevent your business from operating normally, or if you find yourself having to pay restitution and legal fees as part of a lawsuit. Professional liability insurance allows you to maintain your business operations during and in spite of these situations and provides you with the financial security to move forward, recover from the situation, and continue to focus on building the success of your business.

Here are a few things you should know before you purchase professional liability insurance.

It Can Be Included in Your Insurance Package

As with any type of insurance, professional liability insurance should be packaged in with other types of business insurance. It may seem expensive if you’re looking at rates independently, and that may deter you from purchasing it. However, a good insurance provider will offer you a package deal which will reduce the overall costs of the professional liability insurance, as well as other types of insurance you purchase for your business.

It’s About Keeping Your Business Going

Having professional liability insurance doesn’t say anything about your business practices. It doesn’t mean that you are expecting to commit malpractice, or that you’re avoiding responsibility for a misconduct suit, or admitting guilt when you’ve done no wrong. It simply means that you’re preparing for the worst-case scenario. Sometimes, terrible things happen, things that may be out of your control. As a business owner, the prudent thing to do is to cover yourself so that you can continue to operate your business in the case of a malpractice suit.

Your Insurance Should Depend on Your Business

The amount and type of coverage your insurance provides should, of course, depend on the nature of your business. If your business is one that comes with a low risk of accusations of malpractice, such as a retail environment, you can probably get away with minimal coverage. However, a business that deals with more critical subject matter, such as physical therapy or medicine, should obviously have a higher level of protection.

You may have heard the term “malpractice insurance” used in the same context as professional liability insurance. Malpractice coverage can be considered a type of professional malpractice coverage but refers specifically to situations in which professional malpractice results in physical harm or injury. Whether or not malpractice insurance is appropriate for you will depend on the nature of your business.

To learn more about professional liability insurance, contact us today.

Five Tips to Get the Best Commercial Auto Insurance

broken front of new car; detailed closeup

In order to get the best commercial auto insurance, keep these five tips in mind when you begin shopping for a quote.

It often seems that there is no aspect of insurance that is easy to understand, especially if you are not well-versed in the industry. Everyone needs insurance of some kind at some point in their lives, yet so many individuals are unsure of what exactly they’re looking for. This is no different when it comes to commercial auto insurance. Sadler Insurance is here to help with our five tips to get the best commercial auto insurance.

  1. Small Businesses Need Coverage Too!

Even if you are currently running a very small, home-based business, you need commercial auto insurance if you have vehicles specifically for business use. When many people think of commercial automobile insurance, they automatically think of large corporations with fleets of vehicles, but no matter what size your business is, you are better off protected. Keep in mind that many homeowners insurance policies provide little to no insurance for business activities.

  1. Differentiate Between Commercial and Personal Insurance

There is a big difference between commercial and personal insurance coverage, which is important to keep in mind if your business is run from your home. In the event that an issue arises, you need to make sure that your business is covered, as your homeowners insurance will often provide little help in covering business expenses. You will need commercial auto insurance for any vehicles pertaining to your business, as well as workers compensation insurance, property insurance, and liability insurance in order to stay protected.

  1. Keep the Worst-Case Scenario in Mind

Although it is difficult to think about, it is beneficial for you to keep the worst-case scenario in mind when choosing a commercial auto insurance package. After all, insurance is there to protect your business from potential losses that you could not afford to cover, should a problem present itself. You want your insurance to be affordable to you, but also cover you, no matter what might happen in the future.

  1. Ensure That You Are Getting the Best Deal

There are many factors that affect the cost of insurance and the coverage available when it comes to choosing commercial auto insurance. The coverage that is available to you, as well as the premium costs, may be affected by things such as the location of your business, the size of your business, the number of vehicles being insured, and the number of years that you have been insured. Look at all of your options and make sure that you receive the best possible price for what you are seeking.

  1. Customize Your Insurance to Suit Your Needs

Insurance policies can always be customized in order to better protect each client. The same goes for commercial auto insurance. If you would like to purchase general coverage, but also need specific coverage for certain projects, explore the ways in which your policy can be tailored to fit your needs. Your insurance company should be willing to work with you, every step of the way.

A Name You Can Trust

No matter what your insurance needs are, you can trust Sadler Insurance with all of the toughest decisions that you need to make. We have been serving Albertans for 80 years. With our knowledge and expertise in the field of insurance, you can rest easy knowing that you have Sadler on your side. We are a full service independent Edmonton insurance broker, with a team of professionals ready to serve you.

Since being established in 1936, we have the experience necessary to assist you. We are not your average insurance brokerage, as we will help you to understand exactly what your insurance choices are. We want to make all of that “fine print” clear to you, as we care about each of our customers. Sadler Insurance believes in building relationships with our clients and insurance partners alike. If you’d like to learn more or receive a quote, do not hesitate to contact us! One of our experienced team members will be able to serve you!

Simply fill out our online form, or call us at (780) 433-4426. You can trust Sadler Insurance because above all else, we want to work for you, not an insurance company.

Insurance Tips for Apartment and Condo Owners

Apartment building

Homeowners insurance is not just for people who own single family homes or townhouses. Apartment and condo owners must ensure that their insurance company has them covered before disaster strikes, as living in close proximity to many individuals puts them at a higher risk of damage to their property.

Insurance can be an overwhelming topic for many individuals, but it is an important asset to have, especially if you are a homeowner. It is also worth noting that home ownership is not limited to those who own single family homes or townhouses but also includes apartment and condominium owners. There are certain elements of insurance coverage that are of higher importance to those who live in large communal buildings, rather than houses. The following are insurance tips that specifically pertain to apartment and condo owners.

Beware of Being Underinsured

If you own your apartment or condominium and are residing at that location, you must have homeowner’s insurance. What is unique about your particular situation is your proximity to your neighbors. With a large number of individuals living together in the same building, you must ensure that your insurance covers everything that might happen to you or your property. When you live in a condominium or apartment building, there is a higher risk of sustaining damage to your property, as many people live in the immediate area. If a large fire breaks out in the unit above you, there is the chance of that fire affecting your property as well, through no fault of your own.

Do not run the risk of being underinsured and take action before it is too late. Your basic belongings – including furniture, electronics, and clothing – are often included in your homeowner’s insurance. However, if you own any expensive jewelry, artwork or other such assets, you should consider purchasing additional coverage to ensure you receive their full value in case something does happen.

Ensure You Are Getting the Best Deal

Many insurance companies seem to offer the same deals and prices when it comes to homeowner’s insurance, but some do not live up to their clients’ expectations when a claim has actually been filed. When it comes down to it, the damage estimates and final settlements offered by an insurance company are a true test of their credibility, but many people don’t see these figures until they’ve already filed a claim.

By shopping around for an insurance company through an insurance broker, you have the ability to see how various companies compare, before making your final decision. At Sadler Insurance, we find our clients a competitive premium for their insurance protection, while also seeking the appropriate level of coverage and providing an outstanding level of customer service. Unlike agents, direct insurers or banks that are limited to their products, we can provide you with a variety of insurance products and options to fit your needs. In contrast, when dealing with others, your needs will often have to fit their product.

Sadler Makes Insurance Easy!

Sadler Insurance has been serving Albertans for 80 years, so you can trust us with all of your insurance needs. We are a full-service independent Edmonton insurance broker, with a team of insurance professionals who are ready to serve you! Having been established in 1936, we are not your average insurance brokerage. We have the knowledge and experience to assist you in understanding your insurance choices and making the “fine print” clear. Above all else, we believe in building relationships with our clients and our insurance partners.

Are you interested in receiving a quote or getting more information from Sadler Insurance? Contact us at any time through our online form or by calling us at (780) 433-4426. See for yourself how we work for you, not the insurance company.

Should You Have Renter’s Insurance? Tips for College Students

Cozy studio apartment for student living.

College is an exciting and challenging time for many young adults. If you’re headed off to college, chances are you’re busy thinking about your courses, your degree, or finding a place close to campus.  If you are going to rent an apartment or room, one thing you should consider is getting renter’s insurance, as it can protect you against theft or disaster. Here are some tips on renter’s insurance for college students.

 

What Is Renter’s Insurance?

A surprising number of people don’t know what renter’s insurance is, which is why they don’t bother thinking about it. But if you live in a rented apartment, condo or house, the insurance your landlord has will not cover the loss or damage to your personal belongings. That means, if your place is broken into or a fire or other disaster destroys everything you own, it’s your problem, not your landlord’s.

 

The Top Three

Fortunately, there are many inexpensive types of renter’s insurance policies that you can get to protect yourself from financial loss. The first policy is personal property, which protects the value of your property from losses associated with natural disaster, theft, or vandalism.  The second is liability, which protects you against a potential claim or lawsuit. You may be thinking, why would I need this type of policy? Who is going to sue me? However, if a visitor to your place is harmed or injured on your property, you could be held liable.

 

The last type of policy is additional living expenses, which pay for temporary housing and food if you’re unable to live in your rental property while it’s being repaired.

 

When to Get Renter’s Insurance

If you’re a college student living at home or in residence, you don’t need to get renter’s insurance, as you’ll be covered by your parent’s or institution’s insurance. However, if you’re going to live off-campus in a rental, you’ll definitely want to have your own renter’s insurance, especially if you’re living in a high-traffic neighborhood where the chances of break-ins or vandalism may be increased.

 

You might think that, as a student, you’re too poor to have belongings that are worth protecting, but most students have thousands of dollars’ worth of electronics, furniture, laptops and computers, bicycles, clothing, and even textbooks that require protection. What if your space cadet of a roommate leaves the toaster oven on and causes a fire? What if you have a party and things get vandalized? It’s better to be prepared for financial emergencies then to find yourself in a bind. With renter’s insurance, you’ll be reimbursed for living expenses and you won’t have to live without your laptop or television for very long. College is the time to focus on your studies, and student financial emergencies can be devastating to a person’s academic success. Stress about your schoolwork, not your finances.

 

Fortunately, renter’s insurance isn’t very expensive, and will typically cost less than $200 a year. Think of renter’s insurance as an investment in your future. As we all know, bad things happen sometimes, so protect yourself.

 

How to Find the Best Renter’s Insurance

If you’re shopping for renter’s insurance, the first thing you need to do is ask an insurance agent about how you can be covered and what the cost is. You’ll also want to ask your school, as many colleges and universities have agreements with insurance companies that give students a discounted rate. Finally, shop around. Get quotes from several different insurance firms, and choose the policy or policies that best works with your budget and lifestyle.

 

Interested in purchasing renters insurance? We can help you find the lowest rate! Contact us today.

 

Five Must-Know Insurance Tips for Single Parents

Proud father holding his newborn baby daughter in his at home

Single parents have some special considerations when it comes to insurance. Here are a few things to think about before choosing a policy.

 

As the sole provider in their family, single parents have to make major decisions without the support or affirmation of a partner, and that can leave them second guessing themselves.

 

When it comes to choosing various forms of insurance, every decision is a major one that can have a profound impact on the family should a serious incident take place. If you’re a single parent and you’re feeling uncertain about making insurance decisions, here are some tips to bring you a little clarity and confidence.

 

Plan Your Life Insurance Carefully

You’ll be required to choose beneficiaries of your life insurance policy. Without a partner, the next most logical choice would be for the money to go directly to your children. However, depending on the age of your children, the money will likely have to be held in trust for them by an appointed guardian. Alternately, you may direct a certain amount of money directly to their appointed guardian as compensation for caring for your children. Essentially, this is a complex decision that needs to match up with your will, and may need to be revisited every few years. Take your time and plan carefully.

 

Don’t Cut Corners

When you’re the sole provider for your family, sometimes money can be a little tight. If you’re in this situation it might be tempting to go for policies with less coverage or to forgo certain types of insurance altogether. However, you have to remember that insurance is an important investment that can ultimately save you money. You might not think you need a short-term disability policy, but should you find yourself unable to work for a period of time as a result of short-term disability, you’ll be scrambling to make ends meet.

 

Don’t Assume Serious Injury or Illness Will Never Happen to You

If you’re young, active and healthy and work in a low-key job, you might think that you’re not at risk for serious illness or injury. That simply isn’t the case. Anyone can face a sudden illness, and with no partner to pick up the slack financially, you’ll be struggling without insurance.

 

Accident Insurance for the Family

Many parents have accident insurance for themselves so that they’re covered if an accident prevents them from working. As a single parent, you should also have an accident and health insurance policy for your children. Often when a child has a serious accident or injury, one parent must stay home for a time to care for them. Because there is no second parent bringing in income, you need to be covered so you can care for your child with peace of mind.

 

Cover Your Child with Life Insurance

The thought of losing a child is awful, but it’s a thought that must be considered when choosing insurance policies. Many parents find themselves unable to work as they grieve and recover from the loss of a child—it may be years before you’re comfortable heading back to work. By taking out life insurance policies on your children, you are allowing yourself the time to grieve, and will have funds for their funeral expenses.

 

Are you a single parent looking for the right coverage? Our expert brokers can get you the coverage you need. Contact us today!

Five Insurance Resources You Should Be Following Online (And Why)

Looking for insurance information? Here are five resources you should be following online to make sure you are getting the best deal.

 

Are you looking for the right insurance provider for your insurance needs? It may seem an impossible job, but it really isn’t. There are a number of resources out there that can help you find the information you need to make the right insurance decisions. Here are five insurance resources you should be following online.

 

  • Consumer Reports

 

Consumer Reports is an independent, non-profit organization that dedicates itself to keeping consumers informed. The organization provides evidence-based product testing and ratings, but it also conducts investigative research and offers public education in order to ensure consumers have access to the knowledge and insights they need to make informed decisions about their insurance needs.

Why follow consumer reports? Because first-hand reviews and third-party research is the best way to find out the unbiased information you need to know about the company you are considering purchasing your insurance from. If there have been negative experiences in the past, or if a particular insurer has great reviews from certain individuals, but negative reviews from others who are more similarly circumstanced to you, then you may be better off looking for a different provider.

 

  •  The NAIC

 

The National Association of Insurance Commissioners’ Research & Actuarial Department provides insurance regulators, consumers, academics, industry and government entities, and other interested parties with the insurance information necessary to keep track of the insurance marketplace.

Why follow the NAIC? Because keeping track of the statistical, actuarial, financial, and market conduct information can help you make the right decision when it comes to choosing insurance for yourself or your business. The NAIC also provides insight into regulation, which means you can keep better aware of insurance regulatory requirements—both on your part and on the part of your provider.

 

  • Insurance Dictionaries

 

Dictionaries of insurance terms and definitions, like the one offered by www.insurancejobs.com, offer an important breakdown of the different terms and insurance jargon you are likely to encounter when choosing an insurance provider.

Why follow resources like this? Because being able to consult a reliable and professional source for terms that may seem vague—or for terms that seem clear but may actually refer to something that resembles but doesn’t quite match what you are looking for—can help you avoid making mistakes when selecting insurance that could prove costly in the long run—especially if you end up being denied a claim as a result.

 

  • The Insurance Journal

 

Insurance news sites like http://www.insurancejournal.com/ offer up-to-date information on what’s new in the insurance industry, as well as the latest news reports involving insurance and insurance claims.

Why follow this resource online? Because staying in the know about updates to the insurance industry could mean savings for you—if you are aware of them in time to act. It is also important to keep an eye on the news reports on denied insurance claims, insurance fraud, etc. If something pops up in the news that bears a bit too much similarity to your circumstances, you may want to look into it with your provider. Alternatively, if your provider is suddenly making the news in a less-than-positive way, hearing about it may give you time to switch before it’s too late.

 

  • Last but not least: insurance blogs

 

Insurance blogs offer either first-hand accounts by consumers or insights by insurance professionals on certain insurance-related topics.

Why follow this resource online? Whether you are in the market for a new provider or are simply wanting to stay informed, reading up on insurance blogs that are posted by various insurance companies is a good way to go about it. You can learn a lot about the company by the type of content it posts: if they are often posting blogs that speak to your insurance needs in an approachable way, then they might be the insurance company for you. If their blogs seem to relate to businesses more often than individuals, then you may want to look elsewhere for your personal insurance needs.

 

You can always learn a lot from the professionals—no matter the reason you are looking to learn more.

Why Life Insurance Is So Important for New Parents

Your whole world has changed, your insurance should too

 

Becoming a parent for the first time is unlike any other experience life has to offer. Suddenly, all of your priorities shift to make room for the tiny little human being that’s cradled in your arms.

 

There’s so much to consider in your first few months of parenthood. You have to apply for a social insurance number for your child, start a Registered Education Savings Plan (RESP), perfect your parenting skills, practice crib safety, and develop a sleeping and eating routine.

 

The craziest part? That’s just the beginning!

 

As you transition into your role as a parent, one of the most important steps you can take is making sure your child is protected in the event that something happens to you. It’s not exactly the type of thing you want to think about during the exciting first days of your role as Mom or Dad, but it’s essential that you do.

 

Things New Parents Should Consider:

 

  1. Both parents should be insured
    It is a common misconception that only the money-maker of a family needs to be insured. However, this is not the case. Even if one parent stays at home, they provide care and services that the remaining parent would have to pay to replace in the event that they passed away. It’s important to determine how extra expenses such as these will be taken care of in the event of a death.

 

  1. Good timing can save you money
    The older you get, the more expensive life insurance policies become. By starting yours now, you can save yourself money in the long run.

 

  1. Your workplace policy may not be enough
    While having insurance through your employer is undoubtedly a good thing, the amount you’ll get paid out isn’t always equal to the amount your family will need. Typically, you get paid twice your base salary. When you factor in funeral expenses, paying off debts, bills, etc. that sum doesn’t stretch as far as you might think. Also, when you leave your job, your policy is no longer in place. This leaves you vulnerable in-between jobs and you’re always starting a new policy, at new rates, at your next place of employment. You’d likely save money by going with your own insurance policy and locking into a consistent rate.

 

  1. Your baby is cute, but also expensive
    The average parent spends nearly $250,000 to raise their child. Do you think your spouse could handle that financial responsibility on their own? Most parents couldn’t. And while it isn’t necessarily pleasant to think about, accidents can happen at any time. The sooner you have a policy in place, the less either of you have to worry about becoming a single parent and footing the financial costs all alone.

 

  1. It’s worth it
    What else can we say? Your child’s future and well-being is always worth the investment. Knowing that they are protected no matter what life throws your way is a peace of mind that cannot be compared to any other kind. In an ideal world, your child will never need to take advantage of your policy. But without it, your family could face twice as much anguish in your absence.

 

Are you ready to put a policy in place that protects your child’s future? Give us a call today!

 

Our insurance brokers will get you the best available price and aren’t satisfied until you have coverage that works for your family.

Most Costly Auto Insurance Mistake

When it comes to auto insurance, there are some mistakes that can mean the difference between an affordable policy and an unaffordable one. This article will go over some of the most costly mistakes you can make when it comes to your insurance.

Keeping Your Auto Insurance Affordable

We all know that auto insurance, costly though it may be, is not something we want to do without. Accidents can happen to the most careful of drivers, and it’s never worth it to risk more than necessary. But not all insurance is created equal, and there are mistakes you can make that drive up the cost of your insurance exponentially. While there’s no such thing as a good car accident, there’s nothing worse than being in an accident you’re completely unprepared for, which is why insurance is so important. In order to keep those premiums as low as possible, avoid these costly mistakes.

Getting a Traffic Ticket

While no one wants to get a traffic ticket, the consequences of getting one go far beyond the ticket itself; getting a ticket is one of the most common ways to increase your insurance, and can easily be avoided. As tempting as it might be to speed or to glide by a stop sign without coming to a full stop, don’t do it. Not only are you putting other drivers and pedestrians at risk, but you also stand a chance of driving up your insurance prices by getting a ticket you could have avoided with ease – and spending years kicking yourself for not following the rules of the road.

Not Preparing For Your Teen

If you have a child who’s coming up of driving age, you have more to think about more than just teaching them to pump gas: your young, inexperienced driver is going to be expensive to insure. Fortunately, there are ways to reduce these prices if you plan ahead of time. There are discounts available for insuring your teen based on things like driver’s education and their grades. While their insurance is going to cost you more no matter what, if you prepare ahead of time you can save yourself a lot of money once your child is ready to get behind the wheel.

Causing an Accident

Yes, there it is – being at-fault in an accident is a sure way to drive up your insurance rates, if not have your policy canceled altogether. While on some policies you may be eligible for accident forgiveness, this only applies to your first accident, and it is a far cry from a get-out-of-jail-free card. Take every precaution while driving to make sure you’re never responsible for an accident. Since most accidents are caused by a driver violating traffic regulations, this means sticking to the law, and not putting your insurance prices – or your life – in danger.

Lying to Your Insurance Company

Think you can trick your way into lower insurance rates by failing to mention a traffic ticket or keeping quiet about the new driver in your family? Think again. The chances that your insurance company will never find out about your little white lie are very low, and once they do, the consequences will cost you more than your dishonesty ever saved you. Your insurance company could back-rate you or even cancel your insurance policy, making the chances of finding affordable insurance somewhere else next to impossible. Always be honest with your insurance company.

Could Your Insurance Be Canceled due to Facebook Photos?

Female friends taking selfie during vacation

It happened to a woman in North Carolina. She registered her three dogs under her umbrella liability insurance but did not hear anything back from her insurance company. When she inquired, she was told one of her dogs was not eligible to be covered.

 

Understandably, the woman was confused. That’s when the insurance company sent her a photo of her dogs that they’d taken from her Facebook page. They had inserted an arrow onto the photo, pointing towards her largest dog – a hound and lab mix. The email stated that the dog resembled a Rottweiler, a breed the business excluded from its insurance policy due to the breed’s reputation for being aggressive.

 

This is just one of many stories that have circulated the internet recently, all involving insurance claims that have been denied or canceled, with Facebook photos being a factor. Here in Canada, a woman who was on medical leave from her job due to depression was informed her policy was canceled when pictures of her enjoying vacations and appearing happy were found on Facebook.

 

So, what are the legalities of an insurance company using information found on your Facebook profile?

 

There are three things you should be aware of:

 

1. If Your Profile Isn’t Set to Private, It’s Fair Game

 

When you make a post or photo “public,” it means exactly what it sounds like: any member of the general public can view it, save it, or access the information. So if an insurance company finds these public posts or images, they can legally use them to make decisions about your coverage.

 

2. Your Settings Make a Difference

If you are someone who has their profile set so that only friends can see your photos and information, you have already avoided a lot of issues. It’s illegal for investigators or insurance companies to “friend” you on Facebook to gain access to your information. It’s much harder for an insurer to access your information if you only share your posts with friends. However, if a lawyer can prove that there are Facebook pictures on your account that can be connected to your claim, a judge may grant a warrant for access to those particular photos. For example, if you are receiving sickness insurance coverage, but there are photos on your Facebook profile of you sky-diving or participating in activities that require you to be healthy, these photos would directly relate to the validity of your claim.

 

3. Large Claims Make Investigation More Likely

If you have nothing to hide, the chances of your insurance company randomly looking into your profile are slim to none. But if you have a major active claim, the odds increase. For example: if you have a large injury claim open after a car accident, based on the fact that your neck was injured, but then post photos to your social media showing you playing beach volleyball without a neck brace, your insurance company may be looking into you and will use that information if it’s there.

Ultimately, the best practice is to keep your posting to a minimum and to always be conscious of what you are sharing on the internet. It may not seem like a big deal as you are posting it, but the ramifications can be huge.

 

If there’s any doubt at all about whether a post could interfere with your insurance coverage, it’s best not to post!

 

Have questions about this subject? We’re happy to help! Contact us today.

Drinking Alcohol While on Vacation Could Cost You Your Coverage

 

Nothing goes together quite like warm sand between your toes, a view of the beach, and a Pina Colada in your hand. But while a refreshing beverage is often a staple in most vacations, it can also be a strike against you when it comes to your insurance policy.

 

Many travel insurance policies have clauses that exclude coverage if you are under the influence of alcohol or drugs when an accident occurs. This may not seem likely, but 39 percent of Canadians report being intoxicated at some point during their latest vacation. And it’s no secret that accidents happen. A couple drinks too many and suddenly slipping by the pool and breaking a bone isn’t a stretch of the imagination.

 

But did you know you can be denied for more than just health insurance? If you miss your flight due to being intoxicated, your insurance company can reject any coverage for expenses you incur as a result.

 

It’s also well known that alcohol can lower one’s inhibitions. So, if you decide to get a large neck tattoo or go base-jumping for the first time while intoxicated, those activities and any misfortunes caused by them will likely be at your expense.

 

Of course, it will be up to the insurance company to prove that you weren’t sober at the time of an accident. However, if your blood is taken or if there are witnesses that state seeing signs of intoxication from you, these things can work against you.

 

Ultimately, it is always wisest to drink in moderation while vacationing and to read the fine print of your travel insurance coverage before visiting another country. Each policy is different and being familiar with yours ahead of time gives you the opportunity to clarify any questions or concerns before you find yourself in a predicament.

 

Looking for a travel insurance policy that meets your needs? We can get you a policy that provides peace of mind so you can relax, unwind, and enjoy your fun in the sun.

 

Contact us today!