Shepard Insurance Insights
Internet Driven Auto Insurance Puts the 1% at Risk
It may be viewed as an opportunity to find lower auto insurance rates by logging onto insurer websites and individually choosing your insurance coverage and cost. But this opportunity is just another tax on the 1%. And here is why: Driving an automobile is a responsibility. A responsibility that is backstopped by a requirement by [...]
Read More
RISK MANAGEMENT – Burning Assets with Limited Protection
At Shepard Insurance Group we are often asked to review a successful family’s insurance portfolio. Providing a “Second Opinion” to a client who has put long term faith in their insurance agent, while enjoying the fruits of their success, can be very revealing. There is that occasion where the insurance is appropriate and the client [...]
Read More
Special Needs- Leverage from the Grandparents
Over time our engagement in creating a plan for a child with special needs has become a more frequent occasion. Statistics now report that one in seven children born, will have special needs requiring added lifetime support for education, healthcare and more. It is a very complex discussion. First, a special needs child born to [...]
Read More
Co-operative and Condominium Building’s Master Insurance Policy
If you have a client getting ready to close on a Co-op or Condo, they may have some questions about the type of insurance they need to purchase. A closing attorney can usually help the buyer to understand what the by-laws state and do a review of the building's master policy, but there are definite [...]
Read More
Do Trustees Need Liability Protection??
In every Trust that is executed, the designated Trustee holds the important responsibility of fulfilling the written intentions of the Grantor in the Trust. The scope of duties both before and after death can be daunting, especially when dealing with beneficiary expectations. A possible solution Whether basic administration, Asset Protection or Distribution of Trust assets, [...]
Read More
Adding to the Valuable Articles List- Golf Clubs
The newest entry to the list of items that are considered unique and valuable are golf clubs. In years past, a good set of sticks would never eclipse $1,500, which would make setting up special coverage highly questionable, and probably less than your deductible. If they were lost or stolen, it would be unfortunate, but [...]
Read More