Insurance policies come with separate sub-limits relating to specific kinds of coverage.  Some limits are well-known, such as limits on jewelry.  Other sub-limits are less obvious but are still included in your insurance policy.  You might want to learn about these limits before making a claim and risk losing thousands of dollars.  So how does this affect you?  Sub-limits primarily impact certain kinds of personal property in your home insurance policy.  And it's generally related to unique or special items.

What Are The Common Sub-limits on most Home insurance policies?

• Jewelry                             $2,500
• Other structures              $20,000
• Loss of use                        $60,000
• Fine art                              $2,500
• Money                               $200
• Firearms                            $2,500
• Silverware                        $2,500

Reviewing your sub-limits can help provide the correct coverage and give you an accurate coverage amount when filing a claim.  A personal articles floater policy (PAF), which can insure your personal property against additional types of loss, is another alternative you have.  You can speak with our agents if you have any questions about what your current policy covers or what could be added to it.

For instance, the PAF will cover your belongings wherever they are in the world and might even provide coverage for a diamond that comes loose and falls out of its setting, which is undoubtedly not covered by a standard homeowner's policy.
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As an independent agent, we offer a choice of multiple insurance companies, coverages, price, and more. Our main focus is to find the insurance coverage that best fits your unique needs and gives you the best options.  We know you have a choice when selecting an independent agent and broker. We will strive to earn your trust and be that choice. 

Give us a call today to make sure you have the proper coverage

It is critical that every homeowner or business undertakes an annual insurance review. Regular reviews are equally essential to ensuring that your policy continues to be a good fit for your coverage needs and budget.
In a single year, a lot can happen that can have a significant impact on your insurance costs, coverage options, and limitations, among other things. Among these are the following:

• Marrying or divorcing
• Children graduating from high school/empty nest/child off to college
• Beginning a new job
• Recruitment of new employees
• Purchase new commercial equipment
• Establishing a new enterprise
• Accepting elderly parents into your home
• The acquisition or receipt of an ostentatious gift
• Your immediate family member has died
• Mortgage repayment

Is this to say that I must immediately contact my insurance agent whenever I purchase new furniture or a family member moves in for six months? Not always. While more significant changes (such as marriage, divorce, or the purchase of a new car) should be reported immediately, items such as upgrading your home entertainment system or upgrading your sound system can be reported during your annual insurance review.
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Strive Insurance Group, Inc. (formerly Gordon Lund Insurance Agency, Inc) is an independent insurance agency representing many insurance companies.  This means that we quote with many different insurance companies to obtain the best rate and coverage for your insurance.  We do this at no additional fee or service charge to you.  Our insurance agency's reputation for representing the best insurance companies, providing excellent customer service and competitive pricing to our clients has been earned and proven for over 30 years.  We take great pride in finding you the best coverage and backing it up with prompt personal service.  
Give us a call today; we are ready to review your coverage.
 

Businesses in the life sciences industry constantly develop new ways to deliver products that solve problems. Successful medical technology, pharmaceutical, and digital health enterprises write their prescription for success on the cutting edge of progress. Companies on the cutting edge of innovation, on the other hand, run the risk of anything going wrong.

There is no one-size-fits-all "life science insurance coverage" because each life science firm offers a variety of products or services. There's a chance you'll have special or unique insurance needs. A basic commercial insurance program can be expanded to meet some of the specific demands of your company. You will have limited coverage if you merely acquire basic general liability or errors and omissions insurance, but it will most likely not be the correct coverage. That is where Strive Insurance Group can help. We know and understand your industry and can deliver the specialized insurance products you need.  

Top Risks For The Life Sciences Industry

• Supply chain
• Adoption of advanced technologies
• Product liability
• Management liability
• Cyber risk
• New regulations

We understand the challenges in the Life Sciences industry. There are many moving parts, and things can change like the wind. That is why we have partnered with companies that offer industry-specific coverages to meet your unique needs. It doesn't matter where you are in the process right now. Whether it's R&D, clinical trials, or maybe you've already developed that game-changing medical device or drug; we want to help you with your 

Life Sciences Insurance. 
We can provide risk and insurance solutions to help you manage these and other important risks facing your business.