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Trials & Tribulations of Being an Insurance-Agent-Dad
October 15, 2016

I became an Insurance Agent going on 17 years ago.  And, I became a Father going on 12 years ago.  Most days, these two hats that I wear ebb and flow seamlessly. 

And then there are the days that I come home from the office and see my two youngest doing this: 

I mean, look how happy they are.  Those smiles.  Those smiles just melt my heart.  And, therefore the Dad part of me is happy.


The Insurance Agent part of me is sweating.  Sweating bullets.  Don't those kids know that there is often zero Off-Premise Liability coverage for these types of motorbikes?

Don't they teach this at their school?

So, I take a deep breath, do a little happy-dance that at least my boys are wearing proper head-protection, and let my inner Dad vs. inner Insurance Agent do battle.

At the end of this epic battle, inner Dad wins.  Insurance Agent Dad puts up a good fight, but can't combat these two boys pleas for "one more ride around the neighborhood."

Ride on boys.  Just don't crash.

For more information about Off-Premise Liability, please don't hesitate to give me a call at #815-485-6676.  I would be more than happy to discuss this with you.  The nuts and the bolts:

Off-Premise Liability coverage is excluded from most (but not all) Home Insurance polices for owned motor vehicles that propel themselves, such as electric scooters and electric bikes. 
There is an exception for vehicles that are designed for kids 7 younger and go less than 5mph and do not require any registration for licensing by the city or state.  This is designed to pick up
coverage for Barbie car type vehicles, but still excludes coverage for most anything else that is motorized and leaves the property.

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