Additions and alterations. Improvements and betterments. Separation of insureds. Impaired property.

Does it sometimes seem as if your insurance policies are written in an unknown tongue? Although much of the policy is written in common wording, there are always terms unique to an industry that can seem strange and mysterious to the uninitiated. Insurance is not alone in using such terms. Ever wonder which is the woofer and which is the tweeter in a stereo speaker? What exactly is the difference between RAM and ROM in computer memory? And the incomprehensibility of teenage slang to parents is legendary.

When confronted with the inability to comprehend another "language," a skilled interpreter might provide a welcome assist. And when it comes to confusion over terms such as insurance definitions, where the potential for loss due to misunderstandings can be significant, the services of such an ally become critical.

That's where we come in. You've got a lot invested in your insurance coverages and risk management programs. Don't let the possibility that you might have overlooked or simply misunderstood a term cause you loss. Just as you're intimately familiar with the terms used every day in your line of work, so are we familiar with ours. Let's sit down today to review your current program. If there's any confusion to be clarified, now's the time - while the opportunity still exists to make changes or close gaps before a loss. After all, the best claim is the one that never happens. And that's true in any language.