Newsletters
Stonebraker McQuary Insurance publishes a newsletter quarterly with insurance tips, news and staff information. Click on one of the newsletter links below to view a pdf version (Adobe Acrobat Reader is required).
- May 2010 Newsletter (437 kb)
- Fall 2009 Newsletter (464 kb)
- Spring 2008 Newsletter (424 kb)
- Fall 2007 Newsletter (417 kb)
- Spring 2007 Newsletter (480 kb)
- Fall 2006 Newsletter (430 kb)
- Summer 2006 Newsletter (337 kb)
NEW! E-Newsletter
Stonebraker McQuary is now sending an e-newsletter every other month with even more updates and stories. Click here to sign up!
Is That Detached Structure Really Insured?
A homeowners policy usually provides coverage for detached structures, such as a garage or shop building, equal to 10% percent of the value of the home. But if that detached building is used for business in any way, there is no coverage; even incidental use like storing business equipment or inventory. Business use is some activity where you make money or make a trade in value for your service, even if there are no customers visiting the premises. The same exclusion applies to a detached structure which is rented for residential purposes, like a guest house or apartment. That small business requires special insurance to cover the building, equipment, inventory and liability exposures. So if you are painting cars, building birdhouses, a contractor, or have an apartment, office studio, school, day care, etc. You need special insurance. Give us a call to get a quote today.
A homeowners policy usually provides coverage for detached structures, such as a garage or shop building, equal to 10% percent of the value of the home. But if that detached building is used for business in any way, there is no coverage; even incidental use like storing business equipment or inventory. Business use is some activity where you make money or make a trade in value for your service, even if there are no customers visiting the premises. The same exclusion applies to a detached structure which is rented for residential purposes, like a guest house or apartment. That small business requires special insurance to cover the building, equipment, inventory and liability exposures. So if you are painting cars, building birdhouses, a contractor, or have an apartment, office studio, school, day care, etc. You need special insurance. Give us a call to get a quote today.
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