According to the Consumer Product Safety Commission, an estimated 2,000,000 homes in the United States were built or renovated using electrical circuits with aluminum wiring.  Unless certain safety procedures are undertaken, every outlet, light switch and junction box connected to such circuits is a fire waiting to happen.

Aluminum wiring in a house presents a very serious potential fire hazard.  From the mid 1960’s to early 1970’s, many new homes and home remodels installed aluminum wiring to feed branch circuit that ran from main electrical panel to the outlets and lighting fixtures. 

Electrical failures involving the wires have made it...


When you purchase property insurance for your home or investment property, you typically have a choice of three different levels of coverage: Basic, Broad and Special.

The type of policy you have will be listed on the declarations page of your insurance policy and should also be listed clearly on the insurance proposal or application you sign prior to binding your policy.

The difference between these coverage forms is often misunderstood by property owners and confusion on this topic can lead to large or unexpected gaps in coverage.

Basic Form

The Basic Form policy is the least...


Smart financial goals1. PAY YOURSELF FIRST.

My grandfather used to preach this to me all of the time and it still stands today.  Save 10% of your earnings.  Technology makes it easy.  Set up auto withdrawal to your savings account or IRA.  Just do it. Check out how much you could save if you stopped spending $5 a day on that beloved coffee drink.  As great as it tastes now that fancy drink won’t keep you warm at retirement.  $5 a day X 365 days a year is $1,825. What could $5 a day look like in 20 years with a...


Madisonaveinsurance.housefireFor those of you that have had the unfortunate experience of a house fire, you will easily relate to this article. You have likely learned a few things in the process of putting your life and home back together and are much better prepared in the event it ever happens again. The photo above was taken March 8th 2013 when the home Jeff and I share with my son Ryder and...

Employers! Did you know...? Over 40% of Employment Practices Liability (EPL) claims are against firms with fewer than 100 employees. The EEOC reported 100,000 charges in 2012. Plaintiffs file for free. 47% of plaintiff verdicts are between $100,000 and $500,000. Employment practices plaintiffs prevail at trial about 48% of the time. General Liability policies do not provide adequate coverage for EPL claims. Employment Practices Liability Insurance provides protection for wrongful termination, sexual harassment, unfair hiring practices, discrimination, negligent promotion etc. MAKE sure you add this...


As a landlord you assume liability for the safety of your building as it relates to your tenants and their guests.  This is no small task as it often involves the help of your on site manager and/or tenants themselves. Liability and property claims are time consuming and costly.  In addition to time away from work to meet with insurance adjusters and attorneys, you may have deductibles and inadequate...

Business Liability Insurance General liability insurance is necessary to protect your business from day-to-day uncertainties. For businesses with specialized services such as hair salons, restaurants  or motels,...


The hospitality industry has unique insurance needs. If you own and operate a hotel, motel, bed and breakfast or other lodging facility, you need specialized insurance coverage for your business, guests and employees so you can be prepared for theunexpected. To effectively manage your hotel and make sure you are protected, here are some coverages to consider:

  • Building Coverage: allows hotels, motels and other lodging facilities damaged by a natural disaster or other catastrophe to be repaired or...

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