University Insurance Group March 2025 Newsletter

General Liability Insurance:

Protecting Your Business from the Unexpected

Every business, no matter the industry, faces risks. A simple accident—like a customer slipping on a wet floor or a contractor accidentally damaging a client’s property—can quickly escalate into a legal and financial headache. General Liability Insurance helps cover these risks, so one incident doesn’t throw your business off track.

What Does It Cover?

General Liability Insurance provides a financial safety net for a variety of situations, including:

✔ Bodily Injury – Covers medical expenses if a customer, client, or third party is injured on your business premises or due to your operations.

✔ Property Damage – Helps pay for repairs or replacement if your business unintentionally damages someone else’s property.

✔ Legal Costs – Covers attorney fees, court costs, and settlements if your business is sued over an accident or alleged negligence.

✔ Advertising & Personal Injury – Protects against claims of libel, slander, or copyright infringement in your business advertising.

Why It Matters for Your Business

Many small businesses assume they don’t need liability insurance, but even a minor claim can be costly. Legal fees alone can add up quickly; without proper coverage, you may have to pay out of pocket. General Liability Insurance helps businesses handle unexpected incidents without derailing operations or financial stability.

It’s also often required. Many landlords, vendors, and clients expect businesses to carry liability insurance before signing contracts or partnerships. Having coverage in place not only protects you but also allows you to take on more opportunities with confidence.

Who Needs It?

If you interact with customers, vendors, or the public in any way, liability coverage isn’t optional—it’s essential. Whether you own a retail store, operate a contracting business, provide professional services, or work with clients on-site, there’s always a chance that something could go wrong. One unexpected claim could be all it takes to disrupt your business.

Let’s Talk Coverage

At University Insurance Group, we’re here to help you secure the proper protection for your business. Whether you need a standalone policy or a broader risk management strategy, we can help you explore your options. Contact us today to learn more about how General Liability Insurance fits into your business plan.

Avoiding Post-Winter Roof Surprises:

What to Check and When to Act

Winter can be harsh on your roof, and as temperatures rise, hidden damage may start to show. A minor issue now can turn into a costly repair later, so a post-winter roof check is essential. Here’s what to look for and when to take action.

Step 1: Inspect from the Ground

Start by walking around your home and looking up at the roof. Signs of trouble include:

• Missing, cracked, or curling shingles - These indicate wear and potential leaks.
  
• Sagging or uneven sections - This could mean structural damage or trapped moisture.
  
• Debris buildup in valleys or gutters - Leaves and branches can trap moisture, leading to rot and leaks.

Step 2: Check Your Gutters and Downspouts

• Look for granules from shingles, as excessive shedding means your roof may be nearing replacement.
• Make sure gutters are secure and clear to prevent overflow and water damage.
• Confirm that downspouts direct water away from the foundation to avoid basement leaks.

Step 3: Inspect the Attic

• Check for water stains, mold, or a musty smell — all signs of slow leaks.
  
• Look for light shining through the roof; Even small gaps can lead to major water damage.
  
• Feel for drafts. Poor insulation or ventilation can lead to ice dams next winter.

Step 4: Schedule Repairs Before Spring Rains

If you notice damage, act quickly. Minor repairs now can prevent costly problems later. Contact a roofing professional for a full inspection if you're unsure.

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Keep in mind that mitigation steps — like installing a new roof, using storm-resistant materials, or adding a monitored security system — can qualify you for Home Insurance discounts. Give us a call if you have questions about protecting your home this spring or maximizing your savings. That’s why we are here.

We're thrilled to introduce our newest carrier partner, GEICO Insurance Company! This exciting partnership enables us to offer a wider range of coverage options and provide you with even more comprehensive and competitive Auto insurance solutions. Whether you're looking for better coverage, lower rates, or tailored policy options, GEICO’s trusted reputation in the industry ensures you get the best protection for your vehicle. 

We’re committed to delivering exceptional service and more choices to meet your unique insurance needs. Stay tuned for more updates, and join us in giving GEICO a warm welcome aboard! 

March Article Round-Up

We’ve rounded up several articles from around the web that are particularly helpful this time of year. Enjoy! 

• A spring cleaning checklist to make your home fresh and ready for warm weather 
• The best grills of 2025 — just in time for the first barbeque of the season. 
• 8 tips for rewriting your resume for a major career change. 
• 13 best things to purchase in the month of March.



Thanks for reading this month’s newsletter. If you need help with insurance or have any questions, don’t hesitate to contact us. We’re here to make your spring stress-free and successful.

Mark Your Calendar!

• March: American Red Cross Month - This month recognizes the humanitarian efforts of the American Red Cross, which provides disaster relief, lifesaving training, and support for military families. It’s a great time to check your emergency preparedness plan and consider donating blood or volunteering.
• March: Workplace Eye Wellness Month - Every day, about 2,000 U.S. workers suffer from job-related eye injuries. This March and beyond, safeguard your vision with safety glasses, screen breaks, and regular eye exams.
• March 9: Daylight Saving Time Begins - Don’t forget to set your clocks forward one hour! This is also a great time to check smoke alarms, carbon monoxide detectors, and security systems to keep your home and family safe.
• March 17: St. Patrick’s Day - Celebrate Irish heritage with food, fun, and festivities. Looking for a traditional meal? Try this traditional Irish soda bread recipe to bring luck to your kitchen. 
• March 20: First Day of Spring - Warmer days and longer nights are finally here! As you refresh your home for the season, check for roof damage, clean out gutters, and review your Homeowners Insurance to prepare for spring storms.
• March 29: National Vietnam War Veterans Day - A day to honor and remember those who served during the Vietnam War. Take time to thank a veteran for their service and learn more about the benefits and support available to them.

That's all Folks!

Thanks for reading this month's newsletter.
If you have any insurance needs, questions, or concerns, please reach out.

We are here to help.