Desmond Insurance Blog

Contractors face a wide variety of risks every day—working at heights, handling heavy machinery, transporting equipment, and managing subcontractors. With so many potential hazards, having the right insurance is crucial. But selecting contractor insurance isn’t just about picking a policy; it starts with understanding your risk profile through a careful risk assessment.​Risk assessment helps contractors identify vulnerabilities and choose coverage that truly protects the [...]

Running a business involves planning for growth, managing daily operations, and preparing for the unexpected. While many owners secure property insurance to cover physical damages from disasters like fires or storms, they often overlook another critical layer of protection: business interruption insurance.​This coverage ensures that if your business operations are disrupted by a covered event, your income and financial stability remain protected. What Is Business Interruption I [...]

Each year, Medicare’s Annual Enrollment Season, from October 15 through December 7, gives beneficiaries the chance to review and update their coverage. With so many options, rules, and deadlines, it can feel overwhelming—but it doesn’t have to be. Whether it is your first time or you are seeking a trusted advisor, Desmond Insurance is here to educate and guide. We believe confident, informed decisions about healthcare coverage should be easily accessible and [...]

​Your home insurance policy provides critical protection against risks like fire, theft, and liability claims. But what happens if the costs of a claim exceed your policy limits? A single lawsuit or accident can easily surpass standard coverage, leaving you financially exposed. That’s where umbrella insurance comes in—it extends your protection and adds a powerful safety net for your assets. What Is Umbrella Insurance?Umbrella insurance is a type of personal liabili [...]

When you hit the road, you trust that other drivers are carrying the insurance required by law. Unfortunately, that isn’t always the case. Millions of drivers across the U.S. are either uninsured or underinsured, meaning their coverage won’t be enough to pay for damages if they cause an accident.​That’s where Uninsured/Underinsured Motorist (UM/UIM) coverage comes in. It’s an often-overlooked but critical addition to your auto insurance policy that protects y [...]

When applying for auto insurance, it might be tempting to “bend the truth” to get a lower premium—but doing so can backfire in costly and serious ways. Honesty isn’t just a moral choice when it comes to insurance—it’s a legal and financial one. Insurance companies rely on accurate information to assess risk, set your rates, and determine coverage eligibility.​Let’s explore why full transparency on your auto insurance application is essential [...]

Investing in a hotel can be a profitable and rewarding venture—but it’s not without risk. From property management and staffing to brand partnerships and guest satisfaction, hotel ownership involves navigating a complex web of operational and financial responsibilities. Whether you're a first-time investor or a seasoned entrepreneur expanding your portfolio, asking the right questions upfront can make the difference between a successful investment and an expensive misstep.R [...]

Running a business comes with a long list of responsibilities—and risks. While standard liability insurance policies provide essential protection, they may not always be enough when facing a major claim or lawsuit. That’s where a Commercial Umbrella Policy becomes a powerful tool in your risk management strategy.​This often-overlooked coverage offers an added layer of protection that can make the difference between recovering from a large claim or facing serious financia [...]