Episode #6 - Specialized Insurance You Didn't Know You Needed

Join John Skabelund as he explores the critical role that liability insurance plays in asset protection with guest, personal and commercial consultant, and independent insurance broker at Garry L. Johnson & Associates, Kurtis Shepherd. Kurtis has been helping groups and individuals with their insurance needs for more than 15 years. He specializes in group benefits, individual insurance, Medicare, P&C insurance (homeand auto, etc.) and cyber liability insurance. In this episode, discover how specialized liability insurance protects your assets and legal standing, addressing often-overlooked risks for business owners, high-earners, high-profile clients, and real estate investors. SHOW NOTES: 00:00 -Intro. 01:20 -What is liability insurance? Why is it necessary? What professional policies do I need (business owner's liability, general liability, product liability, directoror officer's coverage)? Do I need a comprehensive checklist? 07:00 -Devil's in the Details: Good vs. Bad Insurance Brokers, Exclusions, Specialization 13:56 -Advice for Real Estate Investors (Insurance, Liabilities, Injuries, Short Term Rentals, etc) 22:50 -Advice for Auto Insurance & Adult Children 26:57 -Umbrella Policies (Personal, Commercial, General, etc)