Shove Insurance Inc.

Your Independent Insurance Resource

Does my insurance policy cover solar panels?

Does my insurance policy cover solar panels?

Let there be light Driving around, you may have noticed an increasing number of neighbors and business owners installing solar panels (Photovoltaic (PV) systems) on their buildings. Municipalities have been offering tax credits and various solar companies offer many different financing options that have contributed to the proliferation of these systems. With an increasing numberRead more about Does my insurance policy cover solar panels?[…]

Hollywood shows the importance of Employment Practices Liability Insurance

Hollywood shows the importance of Employment Practices Liability Insurance

#MeToo As more details and more victims emerge from the Harvey Weinstein scandal the hashtag #MeToo has been trending on social media. Started by Alyssa Milano as a way of uncovering the scope of the problem, she asked her followers to reply: “Me Too” if they have been sexually harassed or assaulted. Less than aRead more about Hollywood shows the importance of Employment Practices Liability Insurance[…]

Do I need professional liability insurance?

Do I need professional liability insurance?

Are you a professional? Professional is an ambiguous term. If you are employed, aren’t you considered to be a “professional” in that field? For insurance purposes, a professional is anyone that has a liability exposure that could be incurred as a result of errors and omissions in performing their professional services. Individuals or businesses withRead more about Do I need professional liability insurance?[…]

If your neighbor’s tree falls in your yard should you make a sound?

If your neighbor’s tree falls in your yard should you make a sound?

Winter is coming: We are in the midst of the hurricane season in Rhode Island and will soon be facing the winter nor’easters that New England is famous for. Now is a good time for you to check the trees on your property to see if any issues need to be addressed before a catastropheRead more about If your neighbor’s tree falls in your yard should you make a sound?[…]

What kind of insurance does your business need?

What kind of insurance does your business need?

Top 10 insurance coverages your small business needs: 1) Business Owner’s Policy (BOP): Business owner’s policies typically package all the insurance coverages small businesses need (and sometimes coverages they probably don’t need) into one policy. A BOP usually provides the best bang for your buck but they are not available for every type of business. IfRead more about What kind of insurance does your business need?[…]

Why renter’s policies are important for landlords

Why renter’s policies are important for landlords

Renter’s policies are a great value For $100-$200 a year tenants can buy a renter’s insurance policy which will protect their personal property and provide them with personal liability coverage. Many tenants don’t realize that their property is not covered by their landlord’s policy. If a fire or any other peril were to damage aRead more about Why renter’s policies are important for landlords[…]