If you own, borrow, or rent recreational vehicles, you have a lot of responsibility on your hands. Everyone looks forward to having fun and no one counts on having an accident. Unfortunately, they happen and it’s important to be prepared in case one occurs.

First, have an effective risk management strategy. Protecting your assets, your vehicles, is an obvious place to start. Ensuring this protection starts with maintenance. Implementing a schedule of routine servicing and checks can guarantee the safety of your vehicles and potentially catch an issue before is poses a significant threat.

According to a recent survey by Pew Research, approximately 45% of adults own a smartphone in the US.  Replacing a broken smartphone, or purchasing insurance through the phone carrier to cover a loss, can be very costly.

Establish Your Franchise

There are inherent risks when traveling abroad. Of course there’s the more simple possibility of a flight being cancelled, or perhaps you fall ill the day before a luxury cruise. But what if you break a tooth or develop severe abdominal pain? It’s not as simple as taking a trip to the local dentist or doctor.

The best ways to protect yourself are to research your destination and purchase travel insurance.

Travel Insurance

Manti T’eo. Today, it's not about his prowess as a sportsman but about a social media hoax. As it stands no one knows for sure what happened. And Manti T’eo will probably never shake the specter of the story. It will follow him forever no matter the outcome.

It's not a common storyline,

Bringing you these safety tips are Central Insurance, the Insurance Information Institute, and all of us here at Gibson.  Tis the season to celebrate and be safe!

People often question the value and need of a personal umbrella policy. At Gibson, we recommend them as part of every personal risk management program. In today's litigious society and with the increasing court award amounts, it makes perfect sense to have the increased protection.

Sandy devastated the non-hurricane prone Northeast and, for good measure, it left a blizzard in West Virginia. Preliminary estimates are as high as $20 billion, and this number is only for insured losses. To add insult to injury a Nor'easter left behind record snowfall totals from New Jersey to Maine just 8 days later. However, the impact on insurance rates is not likely to be significant despite the estimates of it being the third costliest storm in U.S. history.

For the 19^th consecutive year, Gibson has earned Best Practices status from Independent Insurance Agents & Brokers of America (IIABA).

Important Changes To Citizens Property Insurance Policies!If you have a home in Florida that has an insured replacement value over $1M, it's important to know that your options for insurance in the Florida marketplace are now extremely limited. Consult with your advisor prior to making any changes to your current Florida policies. If you receive a notice that your policy is affected by this 01/01/13 change, contact your advisor as soon as possible.