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Sanford & Tatum Blog

All You Ever Wanted to Know About Insurance

News Brief: Property Pricing May Have Eased, but Brokers Still Having Trouble

Property Pricing May Have Eased, but Brokers Still Having Trouble - Commercial property and casualty insurance premiums rose an average of 7.7% in the first quarter of 2024, up slightly from 7.0% in Q4 2023, according...

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Coverage Insights: Scheduled Versus Blanket Limits for Commercial Property Insurance

Scheduled Versus Blanket Limits for Commercial Property Insurance - Commercial property insurance is an essential form of coverage for any organization. Such a policy can provide much-needed financial protection if an...

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Coverage Insights: Optional Commercial Property Coverage Offerings Under the BPP

Optional Commercial Property Coverage Offerings Under the BPP - Commercial property insurance provides much-needed financial protection if an organization’s property is directly damaged or destroyed by a covered peril (...

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Coverage Insights: Differences Between Traditional and Cyber Business Interruption Policies

- Differences Between Traditional and Cyber Business Interruption Policies - When organizations face large-scale disasters or other unexpected losses, ensuring business continuity is often a top priority. Yet, various...

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Know Your Insurance: Auto

Why It Can Pay to Have Uninsured Motorist Insurance - Car insurance is a vital safeguard for drivers that is often legally required by states. Specifically, auto liability insurance (a standard component of a car...

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Know Your Insurance: Auto Liability

Understanding Auto Liability Coverage - Auto insurance is one of the most frequently purchased types of coverage in the United States. However, while these policies may be common, they can still be complex and nuanced....

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Know Your Insurance: Replacement Cost vs. Actual Cash Value

- - Replacement Cost vs. Actual Cash Value - Your homeowners insurance policy can offer financial protection in the event of an unexpected disaster involving your home or personal property. But how you will be...

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Benefits Insights: Educating Young Employees on Open Enrollment

- - Educating Young Employees on Open Enrollment - Many employees need help with open enrollment. This is particularly true among younger workers, who typically have less experience selecting benefits than older...

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Know Your Insurance: Life Events that Affect Your Insurance Needs

As we age and reach different milestones in our lives, our insurance needs change. The following life events may affect your insurance needs: New home ownership- Purchasing a new home is a big investment-one that you...

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Know Your Insurance: Homeowner Insurance

Understanding the 80% Rule for Home Insurance - When it comes to your home, making sure you’re adequately insured is of the utmost importance. Despite this, many homeowners are unaware of the “80% rule” for home...

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