With kids settling back into the routine of the school year, parents now have time to review their insurance program to assure there are no newly-created gaps in coverage or limits. Of special interest, and the focus of this article, are college students (especially freshman away from home for the first time). Being away from home (the "residence premises") and at school can create unique exposures and possible gaps in protection.

Read the entire story

Weight-loss surgery can be covered by state workers' compensation insurance, provided it is needed to treat a job-related injury, according to an Oregon court. The Oregon Supreme Court ruled Thursday that SAIF Corp., the state chartered agency that handles compensation insurance, must pay for gastric-bypass surgery needed before an injured worker could undergo knee replacement.

Read the entire story

Man's best friend is sinking its teeth into homeowners insurance costs. Dog bites account for one-third of all homeowners insurance liability claims, costing $387.20 million in 2008, up 8.70 percent from 2007, according to the Insurance Information Institute (I.I.I.).

Read the entire story

Will your basic liability coverage be enough if someone sues you? Do you have assets you want to protect? If you're likely to encounter the need for greater liability coverage, an umbrella policy might be for you. Umbrella policies provide an extra layer of protection in addition to your existing homeowner's or auto insurance policies.

Read the entire story

Sincerely,

McDonough & Keegan Insurance Agency, Inc.