Huff Insurance

Pasadena, we had a heck of a storm come through yesterday. I hope everyone is ok first and foremost. I put this video together this morning to try to help with what you can expect when it comes to talking with your home insurance company or agent. I hope this helps avoid some confusion and frustrations over the next week. Let us know if you have any questions that we may be able to help answer. Remember that policy coverage can vary by company, so check with your agent or company to see about your specific coverage.

🚨 **Saturday Shorts: Keeping Information From Your Insurance Company Can Cost You Much More Than You Think**

Some business owners believe that if they don't tell their insurance company about something, it simply doesn't exist.

Unfortunately, that's not how insurance—or the law—works.

For example, failing to disclose employees to avoid buying workers' compensation insurance doesn't eliminate your responsibility if someone gets hurt. You could still be responsible for medical expenses, lost wages, long-term disability costs, and, depending on your state's laws, significant fines.

In Maryland, the penalty for not carrying required workers' compensation insurance can be up to **$25,000**—and that's on top of the cost of the injured employee's claim.

A few dollars saved today can turn into a financial disaster tomorrow.

🎥 Watch this week's ** ** to learn why being upfront with your insurance agent is one of the best ways to protect your business and avoid expensive surprises.

Have questions about what needs to be disclosed on your insurance policy? Drop them in the comments—we're happy to help explain.

Insurance agents have a few phrases they hear that immediately make them think...

🤦‍♂️ "Well... this could get interesting."

Near the top of the list?

"I don't think we need to tell the insurance company."

The funny thing is, most people aren't trying to hide anything. They just don't realize what can affect their coverage.

That's exactly why we ask the questions.

What's something you've always wondered if you should tell your insurance company? We may answer it in a future video.