V. Mathis Insurance Agency

Boat, RV, and ATV Insurance: What Recreational Vehicle Owners Need to Know

Sun, 16 Aug 2026 11:00:00 GMT

Summer is peak season for recreational vehicles. Whether you're out on the water with a boat, exploring the country in an RV, or hitting a trail on an ATV, August brings some of the highest usage of the year for these vehicles, and that makes it a great time to make sure your insurance coverage is in order.

Many people assume their standard auto or homeowners insurance covers recreational vehicles. In some cases, there may be limited coverage for smaller items stored at home, but for most boats, RVs, and ATVs, a separate, dedicated policy is the safest approach.

Boat Insurance

A boat insurance policy typically covers physical damage to your watercraft, liability for injuries or property damage to others, and fuel spill liability. Some policies also include coverage for personal property on board, towing assistance, and coverage for uninsured watercraft.

The type and size of your boat matter when it comes to coverage. A small fishing boat has different insurance needs than a large motorized cruiser or a personal watercraft like a jet ski. A licensed insurance agent can help you identify what coverage is appropriate based on how and where you use your boat.

RV Insurance

Recreational vehicles come in many forms—motorhomes, travel trailers, fifth wheels, and camper vans—and each can have distinct insurance needs. If your RV is motorized, it generally needs its own auto-style policy. Towable trailers may be covered to some extent under an existing auto policy, but that coverage is often limited.

RV insurance can include collision and comprehensive coverage, liability protection, coverage for attached accessories and equipment, and, in some cases, full-timer coverage for those who use an RV as a primary residence.

ATV and Off-Road Vehicle Insurance

ATVs, dirt bikes, and similar off-road vehicles are often excluded from standard auto policies, especially when used off-road or on private property. A dedicated ATV or off-road vehicle policy can cover physical damage, bodily injury liability, and property damage liability.

If you ride on trails, parks, or areas where other people are present, liability coverage is particularly important. An accident that injures another rider or causes property damage could lead to high costs without adequate coverage.

Why Dedicated Coverage Matters

Recreational vehicles represent a meaningful investment, and using them frequently, especially in August, increases exposure to potential loss. A gap in coverage at the wrong moment can mean absorbing the cost of repairs, medical bills, or liability claims out of pocket.

[bf_location field=company_name] in [bf_location field=city], [bf_location field=state] can help you review your current coverage and explore options for your boat, RV, or ATV. Call us at [bf_location field=phone] or request a quote online to get started.

General Liability Insurance 101: A Foundation for Every Small Business

Tue, 04 Aug 2026 11:00:00 GMT

If you own a small business, you've likely heard that general liability insurance is something you should have. But what exactly does it cover, and why is it considered such an important part of a business insurance plan?

General liability insurance—sometimes called GL insurance or commercial general liability—is one of the most fundamental types of coverage available to businesses of all sizes. Understanding how it works can help you make more informed decisions when shopping for business insurance.

What General Liability Insurance Covers

General liability insurance is designed to protect your business from financial losses related to third-party claims. This typically includes three main areas:

Bodily injury coverage applies when a customer, vendor, or other third party is injured at your place of business or as a result of your business operations. If someone slips and falls in your store, for example, general liability can help cover the associated medical costs and legal expenses if a lawsuit follows.
Property damage coverage helps when your business operations cause damage to someone else's property. If an employee accidentally damages a client's belongings while performing a service, this coverage may apply.
Personal and advertising injury coverage addresses claims related to libel, slander, copyright infringement in advertising, or other non-physical harms caused by your business activities.

What General Liability Does Not Cover

It is equally important to understand what general liability insurance does not cover. It generally does not cover damage to your own business property, employee injuries (which typically fall under workers' compensation), professional errors or negligence (covered by professional liability or errors and omissions insurance), or vehicle accidents involving business vehicles.

This is why many businesses carry general liability as part of a broader insurance plan that includes other policy types suited to their specific risks.

Who Needs General Liability Insurance?

Almost any business that interacts with customers, operates from a physical location, or provides a service or product can benefit from general liability insurance. Many landlords, clients, and government contracts require proof of general liability coverage before doing business with a company. Even home-based businesses and independent contractors can face liability claims that make this coverage worth considering.

Taking the Next Step

Understanding your business's specific risks is the first step toward choosing the right coverage. At [bf_location field=company_name], we work with business owners in [bf_location field=city], [bf_location field=state] and throughout the region to help explore insurance options suited to their industry and operations. Call us at [bf_location field=phone] or fill out a quote request on our website to start the conversation today.

Back-to-School Season: Does Your Auto Insurance Cover a Teen Driver?

Sat, 01 Aug 2026 11:00:00 GMT

Every August, millions of families prepare for back-to-school, and for households with a newly licensed teen, that checklist includes an important question: Is your auto insurance ready?

Adding a teenager to your auto insurance policy is one of the most significant coverage changes a family can make. Teen drivers are statistically among the highest-risk drivers on the road, which affects both your coverage needs and your premiums. Understanding what changes, what to expect, and what options are available can help you make informed decisions before your teen gets behind the wheel.

Why Adding a Teen Driver Matters

When a teenager in your household obtains a driver's license, most auto insurance policies require that they be listed as a driver on your policy. Driving without being listed—or assuming your existing coverage automatically extends to them—can leave your family exposed if an accident occurs.

Auto insurers assess risk based on driving history and experience. Because teen drivers have neither, they typically carry higher premiums. However, there are ways to help manage that cost without sacrificing the coverage your family needs.

Coverage to Review Before School Starts

Before your teen hits the road, it is a good time to review a few key areas of your auto policy:

Liability coverage is the foundation of any auto policy. It covers damages and injuries your teen may cause to others in an accident. Make sure your limits are adequate given your family's financial situation.
Collision coverage pays for damage to your vehicle if your teen is involved in an accident, regardless of fault. If your teen will be driving a car regularly, this coverage is worth reviewing carefully.
Comprehensive coverage protects against non-collision events like theft, weather damage, or vandalism. Whether this makes sense depends on the age and value of the vehicle your teen will drive.

Factors That Can Affect Your Premium

Several factors influence how adding a teen affects your overall insurance costs. The type of vehicle your teen drives plays a significant role—older, lower-value vehicles with strong safety ratings are generally less expensive to insure than newer or high-performance models.

Where your teen parks or drives—whether at school, at home, or in a high-traffic area—can also affect rates. Some insurers offer discounts for students who maintain good grades, complete a defensive driving course, or attend school away from home without taking a car.

Starting the Conversation Early

Back-to-school season is an ideal time to review your auto insurance policy and speak with a licensed insurance agent. Rather than waiting until after an incident to find out what your policy does or does not cover, proactive planning helps your family feel confident on the road.

At [bf_location field=company_name], we can help you review your current policy and explore options to help you find coverage that works for your family's situation. Give us a call at [bf_location field=phone] or start a quote request on our website today.

Commercial Auto Insurance: What Business Owners Should Know About Covering Company Vehicles

Sun, 19 Jul 2026 11:00:00 GMT

Whether your business relies on a single work truck or a fleet of delivery vans, the vehicles you use for business purposes likely need more than a standard personal auto insurance policy. Commercial auto insurance is designed to cover vehicles used for business operations and can provide protections that personal policies typically do not. Understanding the difference between the two can help business owners avoid unexpected gaps in coverage.

Personal vs. Commercial Auto Insurance: What's the Difference?

Personal auto insurance is designed to cover individuals and their households for everyday driving. When a vehicle is used for business purposes—such as making deliveries, transporting equipment, or visiting clients—many personal policies either exclude coverage or provide limited protection for business-related incidents.

Commercial auto insurance, on the other hand, is designed with business use in mind. It can cover a broader range of vehicles, higher liability limits, and the unique risks that come with using vehicles as part of business operations.

What Does Commercial Auto Insurance Typically Cover?

A commercial auto policy may include several types of coverage:

Liability Coverage: Helps pay for bodily injury or property damage your business vehicle causes to others in an accident.
Collision Coverage: Helps pay to repair or replace your vehicle if it's damaged in a collision.
Comprehensive Coverage: Helps cover damage from non-collision events such as theft, vandalism, weather events, or fire.
Uninsured/Underinsured Motorist Coverage: Provides protection if your vehicle is involved in an accident with a driver who has little or no insurance.
Medical Payments Coverage: Helps pay for medical expenses for you and your passengers following an accident.

Who Needs Commercial Auto Insurance?

Commercial auto coverage is worth exploring for a wide range of businesses and self-employed individuals, including:

Contractors and tradespeople who use trucks or vans to transport tools and equipment
Businesses that operate delivery vehicles
Real estate agents or sales professionals who frequently drive to client locations
Food trucks and mobile service businesses
Independent contractors who use their personal vehicle for work-related driving on a regular basis

Even if you only occasionally use your vehicle for business purposes, it's worth checking with your insurance agent to understand whether your current policy provides adequate protection.

Understanding Hired and Non-Owned Auto Insurance

If your employees drive their own vehicles for business purposes—such as running errands or making client visits—your business may have exposure that commercial auto insurance alone doesn't cover. Hired and non-owned auto insurance (HNOA) can help fill this gap by providing liability coverage for vehicles your business uses but doesn't own.

HNOA coverage is often available as a standalone policy or as an endorsement to an existing commercial auto or general liability policy. It does not cover physical damage to the employee's vehicle, but it can help protect your business from liability if an employee causes an accident while driving their own car on company business.

If your business relies on vehicles in any way, it's worth making sure your coverage is up to the task. Contact [bf_location field=company_name] in [bf_location field=city], [bf_location field=state] at [bf_location field=phone] or submit our online form to explore commercial auto insurance options for your business.

Renters Insurance: The Affordable Coverage Most Renters Don't Know They're Missing

Thu, 16 Jul 2026 11:00:00 GMT

If you rent your home, apartment, or condo, you may assume that your landlord's insurance policy protects your belongings. Unfortunately, that's a common misconception—and a costly one. A landlord's insurance policy typically covers the physical structure of the building but not the personal property of the people who live in it. Renters insurance is designed to fill that gap, and it's often more affordable than many people expect.

What Does Renters Insurance Typically Cover?

Renters insurance generally provides three core types of protection:

Personal Property Coverage: This helps pay to repair or replace your belongings—such as furniture, clothing, electronics, and appliances—if they are damaged or destroyed by a covered event like fire, theft, or certain types of water damage.
Liability Coverage: If someone is injured in your home or you accidentally damage someone else's property, liability coverage can help cover related costs, including legal expenses in some cases.
Loss of Use Coverage: If your rental unit becomes uninhabitable due to a covered event, loss of use coverage can help pay for temporary housing and additional living expenses while repairs are made.

Your Landlord's Policy Doesn't Cover Your Stuff

This is one of the most important things renters should understand. A landlord's insurance policy is designed to protect the building itself—the walls, roof, and structure—not the belongings inside your unit. If there is a fire in your apartment building, your landlord's policy may cover the damage to the building, but your furniture, clothing, and electronics would not be covered under that policy. Renters insurance is what protects your personal property.

How Much Does Renters Insurance Typically Cost?

Renters insurance is widely considered one of the more affordable types of insurance available. The cost can vary depending on factors such as where you live, the amount of coverage you select, and the deductible you choose. Generally speaking, renters insurance tends to be a relatively modest monthly expense for many people.

Factors that may affect your premium include the total value of your personal belongings, your claims history, and whether you bundle renters insurance with another policy such as auto insurance.

How to Estimate the Value of Your Belongings

Before purchasing renters insurance, it can be helpful to take an inventory of your belongings to estimate how much coverage you may need. Walk through your home and make a list of major items—furniture, electronics, appliances, clothing, jewelry, and any other valuables. It can be surprising how quickly the value of your possessions adds up.

You'll also want to understand the difference between actual cash value and replacement cost coverage. Actual cash value accounts for depreciation, while replacement cost coverage helps pay to replace items at their current market value.

Don't wait until something goes wrong to find out you needed renters insurance. Contact [bf_location field=company_name] in [bf_location field=city], [bf_location field=state] at [bf_location field=phone] or fill out our online form today to explore renters insurance options that may work for your situation.

Cyber Liability Insurance: Does Your Small Business Really Need It?

Sat, 04 Jul 2026 11:00:00 GMT

When most people think of cyberattacks, they picture large corporations making headline news after a major data breach. But the reality is that small businesses are frequent targets of cybercriminals—and often less prepared to handle the financial and operational fallout. Cyber liability insurance is designed to help businesses manage the costs associated with data breaches, ransomware attacks, and other cyber incidents. If your business stores customer data, processes payments, or relies on digital systems, it may be worth exploring what this type of coverage can offer.

What Is Cyber Liability Insurance?

Cyber liability insurance is a type of business insurance that helps cover costs related to cyber incidents and data breaches. It is distinct from standard business insurance policies, which typically do not include coverage for cyber-related losses. As businesses have become more dependent on digital technology, cyber liability insurance has grown into an important consideration for many business owners.

What Types of Incidents Can a Cyber Policy Help Cover?

Cyber liability policies vary widely, but many are designed to help cover costs related to:

Data Breaches: If customer or employee information is exposed, a cyber policy may help cover notification costs, credit monitoring services, and legal fees.
Ransomware Attacks: If a cybercriminal locks your systems and demands payment to restore access, cyber insurance may help cover recovery costs.
Business Interruption: If a cyber incident disrupts your operations, some policies may help compensate for lost income during the downtime.
Legal Costs and Regulatory Fines: If your business faces legal action or regulatory penalties related to a data breach, cyber coverage may help with those expenses.

It's important to read the terms of any policy carefully and speak with a licensed agent to understand what is and isn't covered.

Which Businesses Are Most at Risk?

While any business that uses technology can be a target, some industries face elevated cyber risks due to the type of data they handle. Businesses in healthcare, financial services, retail, legal services, and professional services frequently collect sensitive customer information, which makes them attractive targets for cybercriminals.

However, small businesses of all kinds are increasingly targeted simply because they tend to have fewer cybersecurity resources and defenses than larger organizations. Phishing emails, weak passwords, and outdated software are common entry points for cyber incidents across businesses of every size.

Questions to Ask When Evaluating Cyber Coverage

If you're exploring cyber liability insurance for your business, here are some useful questions to consider:

What types of cyber incidents does the policy cover?
Are there coverage limits for specific types of losses, such as ransomware or business interruption?
Does the policy cover first-party costs (your own losses) as well as third-party liability (claims from affected customers)?
What is the claims process if an incident occurs?
Are there any cybersecurity requirements you must meet to maintain coverage?

A licensed insurance professional can help you work through these questions and find options that may align with your business's needs.

Wondering if cyber liability coverage makes sense for your business? Reach out to [bf_location field=company_name] in [bf_location field=city], [bf_location field=state] at [bf_location field=phone] or fill out our online form—we're here to help you explore your business insurance options.

Does Your Auto Insurance Cover Rideshare Driving? What You Need to Know

Wed, 01 Jul 2026 11:00:00 GMT

Rideshare driving has become a popular way for millions of Americans to earn extra income. Whether you drive for a transportation network company full time or just on weekends, it's important to understand how your auto insurance applies—and where it may fall short. Many drivers are surprised to learn that their personal auto insurance policy may not cover them while they're working on a rideshare platform. Understanding the gap between personal and rideshare coverage can help you make more informed decisions about protecting yourself on the road.

Your Personal Auto Policy and Rideshare Driving

A standard personal auto insurance policy is designed to cover you for personal, non-commercial use. When you activate a rideshare app and begin driving for hire, you're technically using your vehicle for commercial purposes—and many personal policies exclude commercial use from coverage.

This means that if you get into an accident while logged into a rideshare app, your personal insurance carrier may deny a claim, leaving you responsible for damages out of pocket. It's a coverage gap that many drivers don't discover until they actually need to file a claim.

The Three Phases of Rideshare Driving

Rideshare coverage is often discussed in terms of three distinct phases:

Phase 1 – App On, No Ride Accepted: You're logged into the app and waiting for a ride request. The rideshare company provides limited liability coverage during this phase, but it may be lower than your state's minimum requirements.
Phase 2 – Ride Accepted, En Route to Passenger: Once you've accepted a ride and are heading to pick up the passenger, the rideshare company typically activates higher liability coverage.
Phase 3 – Passenger in the Vehicle: From the moment a passenger enters your vehicle until they exit, the rideshare company generally provides its highest level of coverage.

The most significant gap often occurs in Phase 1, where neither your personal policy nor the rideshare company's coverage may provide full protection.

What Is a Rideshare Endorsement?

Some auto insurers offer a rideshare endorsement—sometimes called a rideshare add-on—that can be added to your personal auto policy. This type of endorsement is designed to bridge the coverage gap that exists during Phase 1 and may also provide additional protections during other phases of rideshare driving.

A rideshare endorsement typically costs more than a standard policy but significantly less than purchasing a full commercial auto policy. Not all insurance companies offer this type of endorsement, so it's worth asking a licensed insurance agent about the options available to you.

Tips for Rideshare Drivers

If you drive for a rideshare platform or are considering it, here are a few things to keep in mind:

Review your current policy to understand what it does and doesn't cover for rideshare activity
Contact your insurance agent to ask about rideshare endorsements or coverage options
Check what coverage the rideshare company provides at each phase of driving
Keep documentation of your rideshare activity in case you ever need to file a claim
Avoid assuming your personal policy will cover you simply because you're driving your own vehicle

If you're currently driving for a rideshare platform—or thinking about it—it's a smart idea to review your auto coverage before hitting the road. Contact [bf_location field=company_name] in [bf_location field=city], [bf_location field=state] at [bf_location field=phone] or fill out our online form to explore auto insurance options that may fit your needs.

What Is a Business Owner's Policy (BOP) and Is It Right for Your Business?

Thu, 18 Jun 2026 11:00:00 GMT

If you own a small or medium-sized business, you've probably heard the term "Business Owner's Policy" or BOP. It's one of the most common types of commercial insurance, but many business owners aren't sure exactly what it includes — or whether it's the right fit for their needs. Here's a clear breakdown.

What Does a BOP Include?

A Business Owner's Policy typically combines three core coverages into a single, bundled package: commercial general liability insurance, commercial property insurance, and business interruption insurance.

Commercial general liability protects your business against claims of bodily injury or property damage caused by your operations, products, or services. If a customer slips and falls in your store or your product causes damage to someone's home, general liability helps cover legal costs and settlements.

Commercial property insurance covers your physical assets — your building (if you own it), equipment, inventory, and furniture — against risks like fire, theft, vandalism, and certain weather events.

Business interruption insurance kicks in when a covered event forces you to close temporarily. It helps replace lost income and cover ongoing expenses like rent and payroll while your business recovers.

Who Is a BOP Designed For?

BOPs are typically designed for small to medium-sized businesses that operate in low-to-moderate risk industries. Retail stores, professional offices, restaurants, small service businesses, and independent contractors are common candidates. The specific eligibility requirements vary by insurer.

Businesses with higher risk profiles — such as manufacturers, contractors working on large projects, or businesses with significant fleet operations — may need standalone commercial policies or specialized coverage in addition to or instead of a BOP.

What a BOP Typically Does Not Cover

It's just as important to understand what a BOP does not include. Most BOPs do not cover professional liability (errors and omissions), commercial auto insurance, workers' compensation, or health and disability insurance for employees. These coverages typically need to be purchased separately.

The Benefit of Bundling

One of the main advantages of a BOP is cost efficiency. Bundling multiple coverages into one policy is often more affordable than purchasing each policy separately, and it simplifies your insurance management.

Is a BOP Right for Your Business?

The best way to find out is to speak with an independent insurance agent who can assess your specific risks and help you explore options. [bf_location field=company_name] works with multiple insurers and can help you compare coverage so you can make an informed decision. Call us at [bf_location field=phone] or fill out our online form to get started.

Summer Road Trips and Your Auto Insurance: What Every Driver Should Know

Tue, 16 Jun 2026 11:00:00 GMT

School is out, the days are longer, and millions of Americans are gearing up for summer road trips. Before you load up the car and point it toward the horizon, it's worth taking a few minutes to understand what your auto insurance covers — and where the gaps might be.

Does Your Current Coverage Travel With You?

Good news: your personal auto insurance generally follows you and your vehicle wherever you drive within the United States. That means the liability, collision, and comprehensive coverage on your policy applies whether you're driving across town or across the country.

However, there are important details to keep in mind, especially if your trip involves driving into Canada or Mexico. Canadian roads generally accept U.S. auto insurance, but Mexico does not. If you plan to drive into Mexico, you will need to purchase a separate Mexican auto insurance policy before you cross the border.

Rental Cars on Your Road Trip

If your road trip involves flying to a destination and renting a car, your personal auto insurance may extend to rental vehicles for personal use — but it varies by policy. Review your coverage or call your agent before declining the rental company's insurance. Credit cards sometimes offer rental car coverage as a benefit as well, though the terms differ widely.

Roadside Assistance: Worth Adding if You Don't Have It

Breaking down on a highway far from home is never fun. Roadside assistance coverage is an affordable add-on to most auto policies and can cover towing, flat tire changes, fuel delivery, and lockout services. If you don't currently have this coverage, ask your agent about adding it before your trip.

Uninsured Motorist Coverage

Unfortunately, not every driver on the road carries insurance. Uninsured and underinsured motorist coverage protects you if you're involved in an accident caused by a driver who has no insurance or not enough insurance to cover your costs. This is particularly valuable on long trips where you may be driving through areas with high rates of uninsured drivers.

Before You Go

A quick conversation with your insurance agent before a big trip can give you peace of mind. Review your liability limits, confirm your coverage for rental cars if needed, and make sure your contact information and emergency numbers are saved in your phone.

Ready to hit the road with confidence? Contact [bf_location field=company_name] at [bf_location field=phone] or visit our website to explore auto insurance options that can help keep you covered this summer and all year long.

Protecting Your Business This Summer: Why Seasonal Risks Deserve a Coverage Review

Thu, 04 Jun 2026 11:00:00 GMT

For many businesses, summer is the busiest and most profitable time of year. From restaurants and retail shops to contractors and event venues, the warmer months bring increased foot traffic, more employees, and new operational challenges. That also means new risks — and it's worth making sure your business insurance is ready for the season ahead.

Increased Foot Traffic and Premises Liability

More customers on your property means more opportunities for slip-and-fall accidents, property damage claims, and other incidents that could result in a liability lawsuit. General liability insurance is the foundation of most business insurance programs, covering bodily injury and property damage claims that arise from your business operations.

If your business hosts outdoor events, sets up seasonal displays, or expands into outdoor seating during the summer, talk to your agent about whether those activities fall within the scope of your current policy.

Contractor and Seasonal Worker Considerations

Summer often brings a need for additional staff. Seasonal employees and temporary workers may be covered under your workers' compensation policy, but it's important to verify this before onboarding new team members. Misclassifying a worker as an independent contractor when they should be an employee can create gaps in coverage and expose your business to significant legal risk.

If you hire independent contractors for seasonal projects, ask whether they carry their own liability and workers' compensation insurance, and consider requesting a certificate of insurance before work begins.

Property and Equipment Exposure

Summer storms, high winds, and flooding can cause serious damage to commercial properties. Review your commercial property insurance to understand your coverage for weather-related events. If your business relies on equipment — refrigeration, HVAC, outdoor furniture, or specialized machinery — ask your agent about equipment breakdown coverage and whether your current policy addresses outdoor property.

Business Interruption Insurance

What happens to your business if a summer storm causes significant damage and you can't open for several weeks? Business interruption insurance can help cover lost income and ongoing expenses during a covered shutdown. This coverage is often added as an endorsement to a commercial property policy and is worth considering for businesses that could not sustain an extended closure.

Make Time for a Mid-Year Review

The shift into summer is a natural checkpoint for a business insurance review. Has your business grown since you last updated your coverage? Have you added new equipment, hired more staff, or expanded your services? Changes like these can affect the amount and type of coverage you need.

[bf_location field=company_name] can help you review your current business insurance and explore options that fit where your business is today. Call [bf_location field=phone] or request a consultation through our website.

National Homeownership Month: How to Make Sure Your Home Insurance Keeps Up

Tue, 02 Jun 2026 11:00:00 GMT

June is National Homeownership Month — a great time to celebrate the pride of owning a home and to make sure that home is well-protected. Whether you purchased your first property last year or have owned your home for decades, your insurance coverage deserves a closer look every spring and summer.

Why Your Home Insurance Needs a Regular Review

Home values across the United States have changed significantly in recent years. If your dwelling coverage limit was set several years ago, it may no longer reflect what it would actually cost to rebuild your home after a major loss. Material and labor costs have risen, and a policy that once felt sufficient could leave you underinsured at the worst possible moment.

Renovations and upgrades are another common reason policies fall out of step with reality. Added a new bathroom, finished the basement, or installed a high-end kitchen? These improvements increase your home's replacement value and should be reflected in your coverage.

What to Look at During Your Insurance Checkup

A thorough home insurance review typically covers several key areas. First, take a look at your dwelling coverage — the portion of your policy that pays to rebuild the structure of your home. Make sure this amount reflects current construction costs in your area, not just the market value of the property.

Next, review your personal property coverage. Think about major purchases made in the past year — electronics, appliances, furniture, jewelry, or sports equipment. Standard policies have sub-limits for certain categories like jewelry or fine art, so ask your agent if a scheduled endorsement makes sense for high-value items.

Liability coverage is often overlooked. This part of your policy protects you if someone is injured on your property or you are found legally responsible for damage to someone else's property. Many homeowners carry the minimum; it may be worth exploring whether a higher limit or an umbrella policy fits your situation.

Finally, check your deductible. A higher deductible typically lowers your premium, but you want to make sure it's an amount you could realistically cover if you needed to file a claim.

Bundling and Other Ways to Explore Savings

Many insurers offer discounts for bundling home and auto insurance, installing monitored security systems, or making certain home improvements like upgrading your roof or adding storm shutters. An independent insurance agent can help you explore the market to find coverage options that fit your needs and budget.

Take Action This National Homeownership Month

Your home is likely your most valuable asset. Taking a little time this June to review your coverage is a smart way to honor that investment. If you have questions about your current policy or want to explore your options, [bf_location field=company_name] is here to help. Call us at [bf_location field=phone] or fill out a quote request on our website — we can help you shop the market for coverage that fits your home and your life.

5 Common Business Insurance Gaps

Tue, 19 May 2026 11:00:00 GMT

1. Natural Disasters

2. Professional Liability

3. Commercial Auto Accidents

4. Cyber Risks

5. Travel Abroad

We Can Help You Spot Gaps Before Renewal

4 Ways Telematics Can Impact Car Insurance

Sat, 16 May 2026 11:00:00 GMT

1. Safe Driving May Lower Premiums

2. Driving Habits Can Also Raise Costs

3. Mileage and Time of Day Matter

4. Participation Can Change the Customer Experience

Contact Your Agent About Telematics

Who Needs Professional Liability Insurance the Most?

Mon, 04 May 2026 11:00:00 GMT

What Professional Liability Insurance Covers

Negligence: A client says your work did not meet the standard they reasonably expected from a professional in your field.
Errors: A mistake in your work leads to a client loss, such as bad figures, flawed advice, or a technical problem.
Omissions: Something important was left out, and the client says that omission caused damage.
Missed Deadlines: A late filing, a delayed project, or a missed launch date can cost the client money or give rise to penalties.
Misrepresentation: A client claims they relied on incorrect information about your services, recommendations, or deliverables.
Failure to Deliver Promised Services: The client says the work was incomplete, did not meet the contract requirements, or did not meet the agreed scope.

Industries That Often Need It Most

Why Even Small Mistakes Can Become Expensive

Businesses That Often Overlook It

Let's Review Your Contract Together

Does Your Roof Affect Homeowners’ Insurance Rates?

Sat, 02 May 2026 11:00:00 GMT

How Roof Age Can Affect Rates

Why Roofing Material Matters

Roof Condition and Maintenance Issues

Weather Risk and Where You Live

We Can Help You Shop for Coverage

Why Spring Is a Good Time to Renew Your Business Insurance

Sun, 19 Apr 2026 11:00:00 GMT

Review Changes From the Past Year

Prepare for Seasonal Risks

Look for Coverage Gaps Before Busy Season

Business Interruption: This coverage helps protect your income if a fire or storm forces you to temporarily close your doors. It helps cover ongoing expenses like rent and payroll, so you can focus on reopening your business as quickly as possible.
Umbrella Insurance: A commercial umbrella policy provides an extra layer of liability protection that kicks in once your primary policy limits are reached. This type of policy is a cost-effective way to safeguard your assets against large, catastrophic claims that could otherwise bankrupt your company.
Employment Practices Liability: As you hire more staff in the spring, your risk of facing claims related to discrimination or wrongful termination increases. This type of business insurance covers legal costs and settlements arising from disputes between your company and its employees.
Commercial Auto: Confirming every vehicle used for business purposes is properly insured is vital to protecting your fleet and drivers. You should verify that your limits are high enough to cover both property damage and bodily injury if an accident occurs on the road.
Inland Marine: If your business requires moving tools and equipment between locations, you need a policy that covers them while in transit. This protection is often overlooked but is necessary for businesses that operate primarily at client sites or in remote areas.

Let’s Review Your Business Insurance Together

Spring Insurance: 5 Tips for Seasonal Risks

Thu, 16 Apr 2026 11:00:00 GMT

Review Home Coverage Before Storm Season

Inspect Outdoor Hazards

Tree Maintenance: Dead or damaged branches can fall during a spring windstorm and cause damage to your home. Hire a professional to prune any trees hanging over your roof or power lines to minimize the risk of structural damage.
Trampoline Safety: High winds can pick up a trampoline and toss it into a neighbor’s yard if it is not properly anchored. Ensure your trampoline is secured to the ground and the safety netting is in good repair to prevent falls.
Grill Preparation: Before your first backyard barbecue, check your grill for leaks or grease buildup that could lead to a fire. Placing your grill at a safe distance from your home and flammable structures is essential for fire safety.
Walkway Inspection: Winter weather often causes pavers to shift or concrete to crack, creating trip hazards for visitors. Repairing these surfaces promptly helps you avoid potential liability issues if someone were to fall while walking on your property this spring.
Fence Stability: Heavy snow or wind can weaken fence posts and panels over time, making them a hazard to pets. Reinforce any wobbly sections of your fence to ensure your yard stays protected and your boundaries are clearly defined.

Update Coverage for Spring Projects

Check Auto Coverage for Seasonal Travel

Revisit Liability Protection

Seasonal Review Can Prevent Coverage Gaps

Review Your Personal Insurance This Spring

Insurance Tips for Your Landscaping Business

Sat, 04 Apr 2026 11:00:00 GMT

General Liability Basics

Commercial Auto and Equipment Coverage

Workers’ Compensation and Employee Risk

Inland Marine or Tools and Equipment Coverage

Business Interruption and Weather Delays

Protect Your Landscaping Business With the Right Coverage

How Landscaping Can Impact Your Homeowners' Insurance

Wed, 01 Apr 2026 11:00:00 GMT

Trees, Branches, and Storm Damage

Water, Drainage, and Foundation Concerns

Outdoor Features That May Affect Liability

Retaining Walls: These structures are made to hold back soil and prevent erosion on sloped properties throughout the region. If a wall is not engineered correctly, it could collapse and cause damage to nearby structures or injure anyone standing in the vicinity.
Garden Ponds: Water features like ponds and fountains add a calm atmosphere, but act as an important attractive nuisance. You should ensure these areas are properly secured to prevent accidental falls or drowning incidents involving children or curious pets.
Decorative Lighting: Low-voltage lighting improves visibility along paths and stairs to prevent trips after the sun goes down. Inadequate lighting in high-traffic areas increases the likelihood of a guest falling, which could lead to a costly liability claim against your policy.
Fire Pits: Outdoor fireplaces and pits are popular for social gatherings, but present a serious fire hazard if located near the home. You should always maintain a safe distance from flammable materials and keep fire extinguishing tools nearby whenever the pit is in use.
Stone Walkways: Uneven pavers or loose stones in a walkway create a persistent hazard for anyone walking across your lawn. It is important to perform regular maintenance on your paths to ensure the surface stays level and free of debris that could cause a stumble.

High-Value Landscaping and Coverage Limits

Steps Homeowners Should Take

Talk With Us About Your Homeowners' Insurance

Commercial Auto Insurance Tips for Spring Delivery Fleets

Thu, 19 Mar 2026 11:00:00 GMT

Managing Spring Fleet Risk Profiles

Coverage Structure and Incident Response

Liability and Physical Damage: Securing adequate commercial liability limits provides the primary financial defense against lawsuits resulting from severe at-fault collisions. Pairing these limits with strong physical damage coverage ensures your expensive commercial vehicles can be repaired or replaced promptly after an accident. This twofold approach protects both your capital and your legal standing.
Non-Owned Coverages: Purchasing hired and non-owned auto protection shields your enterprise when employees use their personal vehicles for official company errands. This specific endorsement closes a dangerous gap that standard personal policies typically exclude during business-related travel. It is an important safeguard for modern flexible work environments.
Cargo and Transit Protection: Adding dedicated cargo coverage guarantees the valuable goods your fleet transports are financially protected against transit damage or sudden theft. Evaluating the specific value of your typical freight helps you determine the exact limits required for this crucial protection layer. This ensures your customer orders remain safe throughout the journey.
Uninsured Motorist Safeguards: Securing uninsured and underinsured motorist coverage protects your drivers and your physical assets from irresponsible motorists operating without adequate financial backing. This essential layer covers medical bills and vehicle repairs when an at-fault driver lacks the resources to compensate your company. It provides a critical backstop for your team.
Accident Response Plans: Establishing a formal plan dictates exactly what drivers must do at the scene, including the timeline for reporting and critical documentation. Adopting strict dashcam handling procedures ensures vital video evidence is properly preserved for your claims adjuster following a disputed traffic incident. Clear protocols lead to much smoother claims resolutions.

Home & Auto Spring Maintenance Checklist

Mon, 16 Mar 2026 11:00:00 GMT

Maintaining Internal Systems and Vehicles

Proper Record Keeping and Documentation

Visual Property Inventory: Record a detailed video walking through every room in your house to document your furniture and expensive electronics. Storing this digital file in a secure cloud account guarantees you have undeniable proof of ownership. This is critical if a fire destroys your personal belongings.
Upgrade Receipt Storage: Save all physical and digital receipts for major home improvements, such as a new roof installation or a modern security system. Providing these exact financial records to your carrier can sometimes qualify you for additional protective discounts. This applies to your personal insurance package.
Vehicle Service Logs: Keep a dedicated folder in your glove compartment to store invoices for routine oil changes, brake pad replacements, and tire rotations. Presenting a documented history of proper mechanical care can help clarify mechanical breakdowns. This distinguishes them from sudden accidental damage during a complex claim investigation.
Home System Records: Retain all official service documents provided by licensed plumbers or electricians after they complete their preventative maintenance visits. These professional reports demonstrate that you actively protect your property from preventable wear and tear issues.
Digital Documentation Backup: Store digital copies of your photo inventory and all essential property receipts in a secure cloud account. Organizing these documents makes it easy to establish proof of ownership. This is vital during a sudden total loss scenario.

Key Questions for Your Business Insurance Renewal

Wed, 04 Mar 2026 11:00:00 GMT

Evaluating Business Changes Since Last Year

Essential Coverage Review Checklist

General Liability Limits: Reviewing your base general liability limits confirms you have sufficient financial protection against third-party claims. Adding a commercial umbrella policy provides an essential layer of coverage beyond those primary limits. This combination creates a strong shield for your business assets.
Property Valuations: Updating your commercial property limits ensures your physical assets have accurate, modern valuations. Properly calculating appropriate business interruption limits ensures your company can survive unexpected operational closures. Accurate data prevents high out-of-pocket costs during a recovery.
Specialty Protections: Evaluating your exposure to digital threats helps determine your exact need for a dedicated cyber insurance policy. Exploring employment practices liability insurance, or EPLI, protects your bottom line against expensive workplace lawsuits. These niche coverages address risks that standard policies commonly exclude.
Deductible Strategies: Exploring different deductible options provides a direct way to adjust your annual premium costs up or down. Discussing specific loss-sensitive structures with your agent helps you take more control over your long-term insurance expenses. Handling risk retention with premium savings is a key financial tactic.
Payment Structures: Consolidating your various policies by bundling coverages often unlocks valuable discounts for your growing organization. Setting up predictable payment plans smooths out your monthly cash flow while keeping your essential protections fully active. Consistent billing helps maintain professional economic security.

Spring Break Insurance Tips

Mon, 02 Mar 2026 11:00:00 GMT

Traveling on Spring Break?

Your Personal Insurance: What Is Covered?

Protects Your Belongings

Off-Premises Coverage

Theft from Vehicles or Hotels

Limited Payouts

Valuable Items

Liability and Other Legal Issues

Accidental Damage to Rentals

International Legal Fees

Travel-Specific Financial Losses

Trip Cancellation and Interruption

Baggage Delays

Travel Delays

Emergency Medical Evacuation

Vehicle-Related Losses

Rental Car Coverage: Your personal auto insurance often extends its collision and liability coverage to rental cars within the U.S. and Canada, allowing you to bypass expensive counter upgrades.
International Rentals: Most domestic auto policies do not cover you in foreign countries (except Canada), making travel-specific rental coverage or the rental agency's policy essential for resolving losses abroad.

Essential Vacation Preparation Checklist

Driver Verification: Confirm that all potential drivers are officially listed on your current auto policy before sharing driving duties on a long road trip. Unlisted drivers who cause an accident might face claim denials. This leaves you financially responsible for resulting property damage and bodily injury costs.
Deductible Review: Verify your current comprehensive and collision deductibles to ensure you have enough funds set aside to cover them in case of an accident. Choosing a higher deductible is one of the main issues affecting the rate you pay for the product. It requires having the cash readily available.
Valuables Documentation: Take clear photographs of expensive electronics and jewelry you plan to pack in your suitcase to establish proof of ownership. Having an accurate record simplifies the claims process if you need to rely on your property coverage. This is especially helpful for a stolen laptop or camera.
Contact Accessibility: Save your carrier contact information and claims by reporting phone numbers directly into your mobile device for immediate access. Keeping your policy number handy allows you to request roadside assistance or report an accident.
Rental Assessment: Review your current personal auto limits to determine if purchasing the collision damage waiver at the rental counter makes financial sense. You might already have sufficient coverage for damage to a rental car. This makes the expensive daily counter fee unnecessary.

Why a Basic Home Insurance Policy Isn’t Always Enough

Mon, 16 Feb 2026 11:00:00 GMT

The Most Common Coverage Shortfalls

Replacement Cost vs. “Close Enough”

The Cost of Liability

A dog with a bite history: If your pet has bitten someone or is a higher-risk breed, insurers may raise premiums, require safety steps, or deny certain claims. Dog bites are a major source of home liability claims and can lead to significant costs.

A backyard pool or trampoline: Pools and trampolines are “attractive nuisances” that can lead to injuries, so homeowners may be liable even with rules or locked gates in place. Insurers often require safety measures and higher liability coverage.

Frequent hosting: Hosting frequent parties or gatherings increases your risk of accidents like slips or alcohol-related incidents. Liability coverage can help cover medical or legal costs if a guest is injured but review your policy to ensure it aligns with your preferred type of gathering.

Rental arrangements (full-time or short-term): Renting out your home, whether long-term or short-term, increases liability risks. Standard insurance often excludes coverage for rental activities, so consider adding endorsements or buying landlord or umbrella liability insurance to address coverage gaps.

Endorsements That Often Make Sense

Water backup coverage (sump pump and sewer/drain backup scenarios)
Higher personal property limits for valuables (scheduled items)
Equipment breakdown (for major home systems)
Ordinance or law coverage (code upgrades during rebuild)
Identity fraud support and reimbursement

What Impacts Your Rate

Roof age, material, and condition
Prior claims (yours and sometimes the property’s)
Home replacement cost and local rebuild inflation
Credit-based insurance score, where permitted
Liability risk features (pool, dog, trampolines)
Mitigation measures (alarm, sprinklers, updated plumbing)

A Practical Way to Review Your Policy

A Homeowner’s Guide to Dealing with Ice Dams

Mon, 02 Feb 2026 11:00:00 GMT

Why Ice Dams Happen

Immediate Steps if You Suspect an Ice Dam

Safety: Ladders and winter roofs are a dangerous combination. If you notice heavy icicles, water stains, or drips near exterior walls, focus on limiting damage instead of climbing onto the roof.
Documentation: Take clear photos of roof edges, interior stains, and all damaged items to provide essential evidence for insurance claims and for determining the extent of repairs needed.
Containment: Catch and redirect water by placing buckets and towels under leaks or drips and move valuables away from wet areas to prevent further water exposure.
Humidity reduction: Run bathroom fans, kitchen exhausts, and dehumidifiers to lower interior humidity, which slows attic condensation and helps prevent worsening of wet insulation.
Snow removal: Use a roof rake from the ground to safely clear loose snow from the roof edge, which helps reduce melting snow and limits further ice dam formation. Never climb onto the roof or use sharp tools.
Professional assistance: Contact a qualified roofer experienced in ice dam mitigation, as they can use safe, effective techniques like steam removal to address the problem without damaging your roof.

Insurance Considerations That Affect Claims

Prior water claims history
Roof age and condition
Attic insulation and ventilation quality
Home location and local weather exposure
Whether repairs reduce repeat-risk (carriers like “fixed the root cause”)

Preventing Ice Dams Next Season

Air seal attic penetrations (recessed lights, plumbing stacks, attic hatches).
Upgrade insulation to reduce heat loss into the roof deck.
Improve ventilation so the roof stays closer to the outside temperature.
Keep gutters clear before winter; clogged drainage can worsen refreezing at the edge.

Review Your Homeowners Insurance for Snow and Water Damage Risks

New Year Business Insurance Checklist

Mon, 19 Jan 2026 11:00:00 GMT

Is Your Company Really Protected?

Start With An Annual Coverage Audit

Review General Liability And Property Insurance

Evaluate Business Interruption And Extra Expense

Update Workers’ Compensation And Employment Practices

Strengthen Cyber And Data Breach Protection

Check Certificates, Contracts, And Compliance

Schedule Your New Year Business Risk Review

Common Insurance Myths Debunked

Fri, 16 Jan 2026 11:00:00 GMT

What Your Friend on Social Media Got Wrong!

Myth #1: Red Cars Cost More to Insure

Driving history: Tickets, accidents, and prior claims.
Location: Where you live and where the vehicle is parked.
Vehicle details: Make, model, safety features, and repair or replacement costs.
Use and mileage: How far you drive and whether the car is used for work or commuting.

Myth #2: Minimum Coverage Is Enough

Myth #3: Home Insurance Covers Floods and Wear and Tear

Myth #4: Coverage From a Landlord, HOA, or Roommate Protects You

Myth #5: A Policy Will Pay Whatever a Home Is Worth

Ask About Insurance Myths and Get a Personal Coverage Review

The Ins and Outs of Commercial Auto Insurance

Sun, 04 Jan 2026 11:00:00 GMT

What Every Business Owner Should Know

What Counts as a Commercial Vehicle?

Who Needs Commercial Auto Coverage?

Vehicles, Drivers, and Gaps to Watch

Hired and Non-Owned Auto, and What Affects Cost

Driving records: Tickets, accidents, and prior claims for listed drivers.
Vehicle types: Size, weight, and safety features of each unit.
Industry risk: The nature of your work and typical driving conditions.
Mileage and territory: How far vehicles travel and where they operate.
Garaging and security: Where vehicles are stored and how they are protected.

Review Your Commercial Auto Fleet and Coverage

Your New Year’s Insurance Checklist

Thu, 01 Jan 2026 11:00:00 GMT

New Year, New Protection

Auto Insurance Checkup

Homeowners or Renters Tune-Up

Capture Savings, Extras, and Fraud Safeguards

Life and Disability Snapshot

Organize Documents and Go Digital

What’s the Difference Between General and Professional Liability Insurance?

Fri, 19 Dec 2025 11:00:00 GMT

General Liability in the Wild

Premises slip, trip, and fall: A customer hits a wet entryway, a loose mat, or an icy walkway and is injured. GL can respond to bodily injury claims. Many policies include a small “medical payments” limit to resolve minor incidents quickly.
Product and completed-operations injury: An item you make or sell, or work you completed, later causes injury or damage. Think of a faulty component that overheats or a repair that fails and leads to water damage a month later.
Damage to others’ property: Your employee drops a ladder onto a client’s car or cracks a lobby floor tile while moving equipment. GL addresses third-party property damage arising from your operations.
Personal and advertising injury: Allegations of libel, slander, or inadvertent copyright use in an ad campaign. GL can respond to covered offenses related to your marketing.
Fire liability (tenant’s damage): You lease space, and an accidental fire in your unit damages the landlord’s building. GL often includes a specific grant for this exposure, subject to separate limits and terms.

Professional Liability Decoded

Contract Clauses That Force Your Hand

Exclusions, Deductibles, and Limits

Match Coverage to the Risks You Really Have

How to Prepare for a Winter Road Trip

Tue, 16 Dec 2025 11:00:00 GMT

Plan Your Route Like a Pro: Weather, Detours, and “Plan B”

Traction Action: Tires, Chains, and Pressure

See and Be Seen: Visibility Gear

The Cold Kit: Supplies That Save the Day

Policy Pit Stop: Coverage You’ll Want

Map Your Coverage Before You Map Your Drive

4 Reasons to Purchase Business Interruption Insurance

Thu, 04 Dec 2025 11:00:00 GMT

The Need for Revenue Doesn’t Pause When You Can’t Do Business

Keep the Lights On: Fixed Expenses Covered

Comeback Faster: Extra Expense Coverage

Supply Chain Snags and Civil Authority Closures

Sizing It Right: Limits, Waiting Periods, and Indemnity

Build Resilience Into Your Balance Sheet

A Guide to Winterizing Your Home

Tue, 02 Dec 2025 11:00:00 GMT

Drafts, Doors, and Dollars

Heat Without the Headache: HVAC Tune-Ups

Pipes on Ice? Not Today.

Roof, Gutters, and the Great Ice Dam Escape

Safety First: Fire, Carbon Monoxide, and Generators

Call Your Agent Before the Snow Flies

Your Business Insurance Policy Checklist

Wed, 19 Nov 2025 11:00:00 GMT

General Liability Insurance

Commercial Property Insurance

Business Interruption Insurance

Commercial Auto Insurance

Workers’ Compensation Insurance

Cyber Liability Insurance

Professional Liability Insurance

Review Your Policies with Our Experienced Agent

Preventing a Home Insurance Claim from Getting Denied

Sun, 16 Nov 2025 11:00:00 GMT

Common Reasons for Claim Denials

Exclusion clauses : Your claim will be denied if the cause of the damage is excluded from coverage in your policy.
Non-payment of premiums : Homeowners coverage is contingent upon timely premium payments.
Late filing : Insurance companies require prompt notification of losses and impose time-sensitive filing and documentation requirements for claims.
Insufficient documentation of damage: Accurately documenting the damage to your property in a detailed manner, with photographs, is essential.
Insufficient preventative measures following a loss: Policyholders must take steps to protect the property from further damage and mitigate the extent of loss. Failure to do so could be grounds for denial.
Questionable claims or false statements: The insurance company will send an adjuster to investigate your claim, which may be denied if anything questionable is found.

Avoid the Pitfalls

Review Your Policy Regularly

Document the Condition of Your Property

Perform Routine Maintenance

Report Claims Promptly, Honestly, and Thoroughly

5 Holiday Retail Risks to Avoid

Tue, 04 Nov 2025 11:00:00 GMT

Theft and Shoplifting

Cybersecurity Threats

Payment Fraud and Chargebacks

Delivery and Package Fraud

Customer or Employee Injuries

Protect Your Business This Holiday Season

Driving Safety Tips for Holiday Travel

Sun, 02 Nov 2025 11:00:00 GMT

Inspect Your Vehicle Before Your Trip

Plan Ahead and Leave Early

Do Not Drive Distracted

Stay Alert and Drive Defensively

Stay Sober Behind the Wheel

Prepare for Weather Changes

Make Sure You Are Covered Before You Hit the Road

Don’t Let a Disaster Halt Your Business: The Power of Business Interruption Insurance

Sun, 19 Oct 2025 11:00:00 GMT

What Is Business Interruption Insurance?

Why Should You Consider It?

Replace lost income
Cover fixed expenses such as rent, utilities, and loan payments while operations are on hold
Retain valuable employees by continuing to pay wages
Fund temporary relocation while repairs are made
Minimize disruption for your customers and keep your reputation intact

FAQs About Business Interruption Insurance

Is this coverage included in a standard commercial property insurance policy?

Is lost revenue from backouts covered?

How long does coverage last after a disaster?

Can a seasonal business benefit from this coverage?

Are business interruption insurance premiums tax-deductible?

What is the cost of business interruption insurance?

Fall Home Checklist: Protecting Your Property Before Winter Hits

Thu, 16 Oct 2025 11:00:00 GMT

Seal Air Leaks

Inspect and Clean Gutters and Downspouts

Service Your Furnace

Drain Your Water Heater

Check Smoke and Carbon Monoxide Detectors

Clean Chimneys

Shut Down Exterior Faucets

Check Your Roof

Winterize Your Yard

Review Your Homeowners Insurance with One of Our [bf_location field=company_name] Agents

Protecting Your Business from the Unexpected: Fire Prevention Tips for Small Businesses

Sat, 04 Oct 2025 11:00:00 GMT

Identify and Eliminate Fire Hazards

Practice Good Housekeeping

Install and Maintain Fire Safety Equipment

Clear Escape Routes

Keep Your Property Up to Code

Train Your Employees on Fire Safety

Have an Emergency Plan in Place

Get the Right Insurance Coverage from [bf_location field=company_name]

National Fire Safety Week: Is Your Household Prepared for Evacuation?

Thu, 02 Oct 2025 11:00:00 GMT

Establish and Practice a Fire Escape Plan

Choose a Safe Meeting Spot

Equip Your Home with Essential Safety Tools

Smoke detectors: These should be installed in every bedroom and on every level of the house. Test smoke detectors each month and replace batteries yearly. To start a home fire drill, press the test button to sound the smoke alarm.
Carbon monoxide detectors: Carbon monoxide is an invisible threat that often accompanies house fires. Many detectors available today can detect carbon monoxide as well as smoke.
Fire extinguishers: These should be placed in key areas, including the kitchen, the garage and near fireplaces.
Escape ladders: If your home has multiple stories, ensure ladders are available to allow exit from upper-floor windows.

Pack a “Go Bag”

Essential medications
First aid supplies
Flashlights and batteries
Cash
Copies of important documents
Comfort item for children and/or pets

Speak with a Friendly Insurance Agent at [bf_location field=company_name]

Secure for the Holidays: A Cybersecurity Refresh for Increased Online Activity

Fri, 19 Sep 2025 08:00:00 GMT

Seasonal Sales, Seasonal Scams: Why Cyber Risk Spikes

Employee Training for Safer Holidays

Avoid clicking on unknown links or attachments
Use strong, unique passwords and enable multi-factor authentication
Recognize common signs of phishing emails
Report suspicious activity immediately

Data Breach Preparedness

Backing up critical business data securely
Encrypting stored data and communications
Ensuring all antivirus and security software is updated
Creating an incident response plan that includes contact info for your IT team, legal counsel, and your insurer

The Role of Cyber Liability Insurance

Notifying affected customers
Restoring compromised data
Legal defense and regulatory fines
Business interruption losses

Tools, Tips, and Tech to Bolster Your Defenses

E-Commerce and Remote Work: A Double Risk Factor

Protect Your Data and Your Dollars With Cyber Coverage

Renters’ Insurance and Back to School: Protecting Student Belongings

Tue, 16 Sep 2025 08:00:00 GMT

The Risks of Dorm Life

What Renters’ Insurance Actually Covers

Parents’ Policies vs. Student Policies: Know the Difference

Coverage is often capped at 10% of your total personal property limit.
Off-campus apartments typically aren’t covered in standard policies.
Your homeowners' policy deductible may be higher than the value of the items lost.

Common Claims: Theft, Fire, and Water Damage

Easy Steps to Get Covered Before the Semester Starts

Create an inventory of the belongings your student will be bringing to the campus.
Get a quote from an insurance agency specifying whether your student lives on- or off-campus.
Review coverage limits and consider adding replacement cost coverage to your policy.

Don’t Wait for a Loss: Secure Your Student’s Belongings Today

Weathering the Storm: How Businesses Can Prepare for Natural Disasters

Thu, 04 Sep 2025 08:00:00 GMT

Disaster Can Strike Anywhere

Creating a Business Continuity Plan

Emergency contact protocols for employees and clients
Data backup and off-site storage strategies
Alternate suppliers or vendors if your normal supply chain is disrupted
Contingency plans for remote work or temporary relocation

Insuring for Impact: Key Policies That Matter Most

Business interruption insurance : Covers lost income and operating expenses if your business is forced to shut down temporarily.
Flood insurance : This critical type of insurance is not included in most standard policies but is essential in flood-prone zones.
Equipment breakdown coverage : Protects against damage to critical machinery and systems.
Extra expense coverage : Helps cover the cost of setting up a temporary location to keep operations open and running.

What to Do Before, During, and After a Storm

Recovery Takes Planning: Learn from Businesses That Survived

Get Started by Safeguarding Your Business

Back to School, Back on the Road: Auto Insurance Tips for Teen Drivers

Tue, 02 Sep 2025 08:00:00 GMT

First Car, First Policy: What You Need to Know

Teen Risk Factors and Why They Matter to Insurers

Tips for Lowering Teen Driver Premiums

Good student discounts : Many insurers reward teens who maintain a B average or higher.
Defensive driving courses : These courses teach teens critical safety skills and can lower premiums.
Safe vehicles : Cars with high safety ratings, airbags, and anti-lock brakes typically cost less to insure than sports cars or older model vehicles that have fewer safety features.
Consider usage-based insurance : Programs that track driving habits through apps or devices may offer discounts for safe driving behavior.

Monitoring Apps and Safety Features

How Parents Influence Teen Driving

Call Today for the Right Auto Policy

What is Employment Practices Liability Insurance (EPLI)?

Tue, 19 Aug 2025 12:00:00 GMT

EPLI 101: A Shield Against Workplace Lawsuits

Discrimination based on age, gender, race, religion, or other protected categories
Wrongful termination
Sexual harassment or other forms of workplace harassment
Retaliation for whistleblowing or reporting misconduct

What EPLI Doesn’t Cover: Know the Boundaries

Wage and hour disputes, such as unpaid overtime or misclassification of employees
Criminal acts or intentional wrongdoing by the employer
Workers’ compensation and unemployment insurance claims
Violations of labor regulations not specifically covered under the policy

Real Claims and How EPLI Responds

HR Best Practices That Support EPLI

Cover Your Business From the Inside Out

Home Sweet Home: Insuring Your Property and Belongings

Thu, 14 Aug 2025 12:00:00 GMT

The Home Base: Understanding Your Homeowners Policy

What Personal Property Coverage Really Means

Natural Disaster Coverage Explained

When Accidents Happen on Your Property

Why a Home Inventory Is Key

Protect Your Castle Without the Headache

Exclusions in Business Insurance Policies: What’s Not Covered?

Mon, 04 Aug 2025 12:00:00 GMT

What “Exclusion” Actually Means

Wear and tear : Damage from normal use over time is usually not covered.
Intentional acts : Deliberate damage or criminal activity by the business owner or employees is typically excluded from coverage.
Cyber incidents : Many standard policies do not include coverage for data breaches, ransomware, or other cyber events unless cyber liability insurance is purchased separately.
Contract disputes : Breaches of contract are generally excluded unless specifically addressed with endorsements.

Industry-Specific Exclusions to Watch For

Construction : Exclusions may apply to work performed by subcontractors or damage resulting from poor craft.
Healthcare : Claims related to malpractice or HIPAA violations often require specialized medical liability coverage.
Retail : Shoplifting losses or customer data breaches may be excluded unless specifically covered in the policy.
Technology : General business policies may not cover errors and omissions in software development or system implementation.

Riders and Endorsements Explained

A cyber liability endorsement can help cover expenses related to data breaches.
A contractual liability rider can extend coverage to specific agreements.
A pollution endorsement may cover environmental damage, which is often excluded from standard policies.

The Fine Print Checklist: Questions to Ask Your Broker

What exclusions apply to each policy I hold?
Are there any risks in my industry that are not covered by this policy?
What riders or endorsements can I add?
Are there bundled options that better suit my business?
Can you provide examples of claims that would be denied under this policy?

Build Smarter Coverage for Your Business

Managing Premiums: Tips for Getting Lower Personal Insurance Rates

Fri, 01 Aug 2025 12:00:00 GMT

What Goes Into Your Insurance Costs

Age : Younger and older drivers often face higher auto insurance rates due to increased risk profiles. Homeowners of varying ages may also see rate variations.
Location : Living in a neighborhood with higher crime rates or prone to weather-related incidents can increase premiums.
Credit score : In many states, insurance companies use a credit-based insurance score in risk assessment. A lower score means higher premiums in many cases.
Claims history : If you’ve filed multiple claims in recent years, insurers may view you as being a higher-risk client.
Coverage limits : Choosing higher coverage amounts or additional insurance protection, such as personal liability insurance, increases premiums but provides higher levels of protection.

Combining Policies to Save More

Deductibles and Your Bottom Line

How Your Score Impacts Your Rate

Discounts You Might Be Missing

Good driver discounts or savings for completing a defensive driving course
Smart home features such as smoke detectors or water leak sensors
Anti-theft devices installed in your vehicle
Low annual mileage or participation in usage-based programs
Loyalty or multi-year customer discounts

Let’s Lower That Rate Together

Will My Homeowners Insurance Cover My Home Business?

Sat, 19 Jul 2025 11:00:00 GMT

What Are the Limitations of Homeowners Insurance?

When Is Additional Coverage Necessary?

Home Business Endorsement

In-Home Business Policy

Business Owner’s Policy (BOP)

Is Liability a Major Concern?

Protecting Your Business Investments

Summer Grilling Safety Tips

Wed, 16 Jul 2025 11:00:00 GMT

Choose the Right Location

Inspect Your Grill

Control Flare-Ups

Keep a Fire Extinguisher Nearby

Stay Focused

Shut Down Properly

Pay Attention to Weather Conditions

Protect What Matters with [bf_location field=company_name]

A Guide to RV Insurance

Tue, 01 Jul 2025 11:00:00 GMT

What Is RV Insurance?

Motorized RVs (Classes A, B, and C): As they are driven on the road, these vehicles require more comprehensive coverage, including liability and collision.
Towable RVs (Fifth-wheels, travel trailers, pop-up campers): Although these typically require less insurance, as liability may extend from your primary auto policy, coverage for damage and personal belongings is still essential.

Key Coverages to Consider

Liability: This insurance covers bodily injury and property damage (including vehicles, homes, structures, and landscaping) sustained by others if you are at fault for an accident.
Collision: If you collide with another vehicle or a fixed object, collision coverage covers damage to the RV, regardless of who was at fault for the accident.
Comprehensive: This coverage protects against damages that are not related to a collision, such as theft, vandalism, storms, and damage from falling branches, rocks, or debris.
Medical payments: If you or your passengers are injured in an accident, this covers your medical expenses.
Uninsured or underinsured motorist: This coverage kicks in if you are involved in an accident with a driver who has no insurance or insufficient insurance to cover your damages.

Do You Need Full-time RV Insurance in [bf_location field=state]?

Personal liability coverage: This protects you if someone is injured in or around your RV.
Medical payments: This covers the medical costs of guests sustaining an injury while visiting your RV.
Loss assessment: This coverage protects if you are part of an RV association that requires shared costs for damages to common areas.
Personal belongings coverage: Recognizing the RV as a full-time residence, this insurance provides more comprehensive coverage for your personal possessions in your RV.
Emergency expense allowance: This helps cover temporary living costs if your RV becomes uninhabitable after an accident or covered event.

Save on RV Insurance

6 Questions to Ask Your Business Insurance Agent

Thu, 19 Jun 2025 11:00:00 GMT

1. What Types of Insurance Do I Need for My Business?

General Liability Insurance – Covers lawsuits related to bodily injury, property damage, and advertising injuries.
Commercial Property Insurance – Protects your business property, including buildings, equipment, and inventory.
Workers’ Compensation Insurance – Required for the majority of companies, this covers medical expenses and lost wages for employees who are injured while performing their work duties.
Professional Liability Insurance – Also known as errors and omissions insurance, this protects against claims of negligence or mistakes. This could be a lifesaver if your company is in consulting or holds a more administrative role for clients, such as accounting or tax preparation.
Cyber Liability Insurance – Covers losses related to data breaches and cyberattacks. A vital policy if you have valuable business, client, or customer information in digital files.
Business Interruption Insurance – Helps replace lost income if your business is forced to shut down temporarily due to a covered event. The types of events covered vary from policy to policy.

2. How Much Coverage Do I Need?

The size and location of your business
Industry risks
The number of employees
The value of your assets
Potential legal liabilities

3. Are There Any Coverage Gaps I Should Be Aware Of?

Does your general liability insurance cover product liability claims?
Do you need additional coverage for natural disasters like floods or earthquakes?
Are employee theft or customer lawsuits covered?

4. How Can I Save Money on My Business Insurance?

Bundling multiple policies (a Business Owner’s Policy is a great way to do this)
Increasing deductibles to lower monthly premiums
Implementing safety measures to reduce risks
Reviewing and updating policies annually to eliminate unnecessary coverage

5. How Will My Policy Handle Claims?

How do I file a claim?
What documentation will I need?
How long does the claims process typically take?
Are there specific steps I should follow to expedite my claim?

6. What Happens if My Business Changes?

How often should I review my coverage?
What changes require policy updates?
Can I adjust my coverage mid-term if my business grows?

Get the Right Protection for Your Business with [bf_location field=company_name]

A Guide to Pet Safety When on Vacation

Mon, 16 Jun 2025 11:00:00 GMT

Preparing for Pet-Friendly Travel

Choose Pet-Friendly Accommodations

Pack a Pet Travel Kit

Sufficient food and water for the trip
Food and water bowls
Medications and medical records
Collar with ID tags and a leash
Familiar items (toys, blanket, or bed) for comfort
Waste bags or litter supplies
Grooming tools and cleaning wipes
First-aid kit with supplies for your pet

Ensure Proper Identification

Visit the Veterinarian Before Traveling

Safe Travel by Car

Use a Pet Carrier or Safety Harness

Plan Frequent Breaks

Never Leave Pets in a Hot Car

Flying with Your Pet

Understand Airline Policies

Use an Approved Pet Carrier

Leaving Pets at Home? Consider a Trusted Caregiver

The Role of Travel and Pet Insurance

Travel Insurance for Pet Owners

Pet Health Insurance for Unexpected Emergencies

Enjoy Stress-Free Travel with Your Beloved Pet

The Ins and Outs of Contractor Insurance

Wed, 04 Jun 2025 11:00:00 GMT

Why Contractor Insurance is Key

Types of Contractor Insurance

General Liability Insurance

Workers’ Compensation Insurance

Commercial Auto Insurance

Professional Liability Insurance (Errors and Omissions Insurance)

Builder’s Risk Insurance

Equipment and Tool Insurance

Surety Bonds

How to Choose the Right Contractor Insurance

Assess your risks: Identify potential risks in your industry and daily operations.
Understand client and legal requirements : Check if clients, state regulations, or industry standards mandate specific coverage.
Compare insurance providers : Work with an insurance agent specializing in contractor insurance to compare policies and pricing. Our contractor insurance agents are familiar with a range of providers and can help you compare the benefits of each to see which suits you best.
Bundle policies for savings : Many insurers offer package deals for multiple policies, which can save money and simplify coverage management. For instance, you may qualify for a discount when you bundle general liability, commercial auto, and equipment insurance under a Business Owner’s Policy (BOP) or a Contractor’s Insurance Package. Check with one of our contractor insurance agents to see how this might apply to your company.

Do You Have the Right Contractor Coverage? We Can Help

5 Most Common Insurance Claims and How to Avoid Them

Mon, 02 Jun 2025 11:00:00 GMT

1. Water Damage

Maintain your plumbing : Regularly inspect pipes for leaks or corrosion and address issues promptly.
Install a leak detection system : Many smart systems are now available that can monitor your water usage. Just install as directed, and they will alert you to leaks before they escalate.
Ensure proper drainage : Clear gutters and downspouts to direct water away from your home’s foundation.
Insulate pipes: Protect pipes in unheated areas, like sheds and outbuildings, to prevent freezing during cold weather.
Maintain adequate heating: Keep your home sufficiently warm during cold spells; this can keep internal piping open and flowing.
Allow faucets to drip: Letting faucets drip during extreme cold can help prevent pipes from bursting from a pressure build-up when water freezes.

2. Wind and Hail Damage

Inspect and maintain your roof : Regularly check for loose or damaged shingles and repair them.
Secure outdoor items : Anchor furniture, grills, and other objects that could become projectiles during storms, or better yet, take them inside the garage when you expect bad weather.
Consider storm shutters : Protect windows from hail and debris with appropriate coverings. Hurricane-proof glass is also available, protecting you from wind speeds up to 200 mph.

3. Fire and Lightning Damage

Install smoke detectors : Place them throughout your home and test them monthly. Fire alarm batteries differ. Some smoke detectors need to be replaced every six months to a year, while others will last up to nine years or for the lifetime of the alarm. Know which type of alarm you have and replace the batteries on schedule to ensure ongoing protection.
Practice electrical safety : Avoid overloading circuits and replace damaged cords immediately. Too many extension cords strung around the house is a bad idea.
Maintain defensible space : To reduce wildfire risks, trim vegetation and create a buffer zone around your property. For example, stack firewood or dry garden trimmings 30 to 50 feet from buildings.

4. Bodily Injury and Property Damage

5. Theft and Burglary

Install a security system : Visible alarms and cameras can deter potential intruders. Many systems now have apps you can use on your phone to view the camera feed from afar.
Secure doors and windows : Use deadbolt locks and reinforce entry points. An open door is an invitation for thieves.
Be mindful of social media: If you are concerned about the safety of your house during your departure, avoid announcing travel plans publicly, signaling an empty home.
Get help from your neighbors: Ask a neighbor or a friend who lives nearby to keep an eye on your property and alert you of any suspicious activity.

Are You Covered for Common Homeowners’ Claims?

5 Things Business Owners Should Know About Insurance Limits and Deductibles

Mon, 19 May 2025 11:00:00 GMT

Insurance Limits: Your Business’s Safety Net

Deductibles: Lower Is Not Always Better

General vs. Specific Limits

When Raising Your Limits Is a Smart Move

Should I Switch to an Independent Insurance Agent?

Fri, 16 May 2025 11:00:00 GMT

What is the Difference Between Traditional and Independent Insurance Agents?

What Are the Pros of Choosing an Independent Agent?

More choice; less stress : When you are shopping for insurance, prices, coverage, and policy details can vary drastically. As they represent different insurance companies, independent agents can offer a variety of options and price points. They can do the shopping for you, find the best deals to suit your needs, and ensure you are not overpaying for a policy.
Expertise across multiple providers : Independent insurance agents are licensed experts with deep knowledge of different policies, coverage options, and industry trends. They can assess a customer’s insurance needs and match them with the best-equipped carrier at an affordable rate. Independent agents’ versatility allows them to be more flexible in addressing your needs.
Personalized attention and advice : Larger companies may tend to prioritize volume over individualized service. Independent agents are more likely to focus on understanding your unique situation and recommend products that truly work for you. Whether you need home, auto, or life insurance, their advice is tailored to your unique circumstance and not based on a sales quota.
One-stop shopping : Independent agents can often meet all of your insurance needs. Through the companies they represent, many can offer home, auto, renters, and life insurance, as well as business coverage.
Ongoing support : Your relationship with an independent agent is ongoing. Once you have secured a policy, your agent is there to answer questions and make updates if your circumstances change. If you have a concern regarding billing or a claim, your agent can act as your advocate, dealing with the insurance company on your behalf.

Is It Worth It to Make the Switch?

Your Business Insurance Inventory Checklist

Sun, 04 May 2025 11:00:00 GMT

What to Include in Your Business Insurance Inventory

Commercial Property Insurance

Liability Insurance

Cyber Liability Insurance

Workers’ Compensation Insurance

Commercial Auto Insurance

Business Interruption Insurance

Ultimate Spring Checklist for Boat Owners

Fri, 02 May 2025 11:00:00 GMT

Inspect the Hull

Check the Engine and Fuel System

Test the Electrical System

Inspect the Safety Gear

Clean and Organize

Check Your Boat Insurance

When Should Small Business Owners Switch Insurance Companies?

Sat, 19 Apr 2025 11:00:00 GMT

Signs It’s Time to Switch Business Insurance Providers

Poor Claims Experience

Difficult Customer Service

Your Agent Leaves or Retires

Increasing Premiums Without Justification

Lack of Customization

Your Insurer Changes Terms

You Get a Better Recommendation

Benefits of Switching to an Independent Agency

Lower premiums: Independent agencies typically have lower operating costs, allowing them to pass savings on to their customers.

Personalized service: Unlike large insurers, independent agents take the time to understand your business and provide customized solutions.
Greater flexibility: Smaller agencies offer more custom policy options, ensuring you only pay for what you need.
Faster claims processing: Independent providers often have a reputation for handling claims more efficiently, with less red tape.
Local expertise: Independent agents understand the risks and regulations affecting your region and industry.
More stability: Unlike blanket rate increases, smaller insurers adjust pricing based on local market conditions and individual risk assessments.

How to Switch Business Insurance Companies

Step One: Research New Providers

Step Two: Purchase New Coverage Before Cancelling the Old

Step Three: Notify Your Current Provider

Step Four: Obtain Proof of Insurance

Step Five: Enjoy Better Coverage

Considering Switching Insurance Companies? It’s Worth the Effort.

The Hidden Costs of Skipping Insurance

Wed, 16 Apr 2025 11:00:00 GMT

Why Consider the Cost of Insurance in My Financial Planning?

High medical bills: Without health insurance, you’re responsible for the full cost of medical treatments, including emergencies, hospital stays, and prescriptions.
Legal fees: If you’re involved in a car accident or lawsuit and lack proper coverage, you could face significant legal fees.
Property damage: Without homeowners’ or renter’s insurance, you could pay for repairs or replacements after damage from weather disasters, theft, or accidents you have no way of predicting.
Loss of income: In the event of an injury or illness, not having disability insurance could leave you without a source of income while you recover.
Financial burden on family: Without life insurance, your family may struggle with expenses, including debt repayment, funeral costs, and day-to-day living expenses after your death.
Penalties and fines: Some types of insurance are actually considered mandatory, like health insurance. They can carry penalties for non-compliance with state or federal regulations.

Encouraging Long-Term Financial Stability: Types of Insurance

Personal Insurance

Life Insurance

Car Insurance: A Legal and Financial Necessity

Homeowners and Renters Insurance: Protecting Your Property

Pet Insurance: Avoiding Unexpected Vet Bills

Travel Insurance: Essential for Summer Getaways

Insurance: A Smart Financial Decision

Financial predictability – Helps protect against unexpected costs.
Peace of mind – Ensures you’re covered in case of emergencies.
Long-term stability – Prevents significant out-of-pocket expenses that could derail your financial goals.

3 Business Insurance Expenses to Write Off on Your Taxes

Fri, 04 Apr 2025 11:00:00 GMT

General Liability Insurance: Protection Against Lawsuits

Why Is General Liability Insurance Tax Deductible?

It’s a fundamental cost of doing business, protecting against unforeseen claims.
Most commercial leases and contracts require businesses to carry this coverage.
It helps mitigate financial losses from lawsuits, preventing potential bankruptcy.

How Much of My General Liability Insurance Premium Can I Deduct?

Workers’ Compensation Insurance: Protecting Your Employees

Why Is Workers’ Compensation Insurance Tax Deductible?

It’s legally required for most businesses with employees.
It helps cover injured employees’ medical expenses, rehabilitation, and lost wages.
It reduces financial risk in the event of workplace accidents.

How Much Can I Deduct Workers Compensation?

Business Interruption Insurance: Safeguarding Against Revenue Loss

Why Is Business Interruption Insurance Tax Deductible?

It compensates for lost income if your business cannot operate due to covered events.
It covers rent, payroll, and operating expenses during forced closures.
Many businesses rely on this coverage to stay afloat after disasters.

How Much of My Business Interruption Insurance Can I Deduct?

Maximizing Your Tax Deductions with Business Insurance

5 Insurance Considerations for Your Home Remodel

Tue, 01 Apr 2025 11:00:00 GMT

Increased Coverage for Home Additions

Reassess dwelling coverage: New additions increase your value. Review a possible increase of your dwelling coverage to match the new square footage that may be at risk.
Update personal property coverage: Incorporating new rooms or features can include acquiring additional personal belongings. Ensure your policy reflects these changes to protect new furniture, electronics, appliances, and raw square footage.
Review liability coverage: Certain additions can elevate the risk of accidents. Evaluating and possibly increasing your liability coverage is prudent to safeguard against potential claims.

Liability Protection for a Swimming Pool

Policy Updates for a Home Office

Adding an endorsement: This is an addition to your existing policy that modifies or extends coverage. It can protect specific assets or risks not covered by your standard policy, such as business property or valuable items.
Acquiring an in-home business policy: Designed for those running a business from home, this policy covers business property, liability, and other risks that might not be covered under your homeowner’s policy.
Purchasing separate business insuranc e: Separate business insurance provides comprehensive coverage for business activities, such as liability, property damage, and workers’ compensation. It’s ideal for businesses needing more protection than an in-home policy offers.

Discounts for Safety Upgrades

Insurance Coverage During Construction

Stay Protected Through Your Remodel

A Guide to LLC Insurance for Small Businesses

Wed, 19 Mar 2025 11:00:00 GMT

Why Do LLCs Need Business Insurance?

What Types of Insurance Should LLCs Consider?

General liability Insurance: This coverage is the foundation of business insurance and essential for most LLCs. General liability insurance covers legal fees, medical costs, and settlements if someone claims your business caused property damage or bodily injury.
Workers’ compensation insurance: Most states require employers to carry workers’ compensation insurance. It covers medical expenses and partially compensates for lost wages when an employee suffers a work-related illness or injury. Workers’ comp also helps protect business owners from the financial consequences of workplace injuries.
Professional liability insurance: Also known as errors and omissions (E&O) insurance, this coverage is designed for businesses providing professional services. It can help protect an LLC against claims of negligence, mistakes, or failure to deliver as promised. For example, if a client accuses a consulting firm of providing faulty advice that led to financial loss, professional liability insurance could help protect the company.
Commercial property insurance: This coverage may be wise if your LLC rents or owns property. It helps protect physical assets, such as buildings, inventory, furniture, and equipment, against risks such as fire, vandalism, or theft. Even a home-based business can cover business equipment that your homeowners’ policy will not.
Cyber liability insurance: This coverage is essential for LLCs handling sensitive customer data or operating digitally. It protects against the costs of data breaches, hacking, and other cyber threats. With cybercrime on the rise, cyber liability insurance can help safeguard your reputation and financial stability.
Business interruption insurance: Natural disasters and other unexpected occurrences can temporarily halt operations and lead to lost revenue. Business interruption insurance can compensate your LLC for income lost during such periods caused by covered events.

How Much LLC Insurance Do You Need?

The Difference Between Condo Insurance & Home Insurance

Sun, 16 Mar 2025 11:00:00 GMT

What Types of Insurance Policies Cover Condos?

Condo association insurance : The master policy typically covers the building itself, including the roof and siding, as well as shared common areas, such as grounds, pools, and hallways. In some cases, coverage may extend to the unit’s interior to cover floors, ceilings, bare walls, and standard fixtures.
Individual condo insurance: These policies are designed to protect a specific unit and cover damage to the home and your belongings. Also known as HO-6 insurance, it is usually required by mortgage lenders and many condominium associations. Personal condo insurance covers what the master policy does not, such as electronics, furniture, and other items inside the unit. It also provides liability coverage if a visitor is injured inside the home.

How Does Condo Insurance Differ from Homeowners Insurance?

What Is the Role of the Master Policy in Determining Condo Coverage Needs?

Bare Walls-In: This type of policy covers only the frame of the structure and the shared areas, leaving condo owners responsible for everything inside their units.
All-In: Coverage is extended to include built-in features, such as flooring, cabinets, and fixtures.

5 Essential Compliance Tips for Restaurant Owners

Tue, 04 Mar 2025 11:00:00 GMT

Understand Food Safety Regulations

Food Code

Stay Compliant with Wage and Hour and Employment Laws

Obtain the Right Permits and Licenses

Protect Customer Data

Be Prepared for the Unexpected

How Does My Credit Score Affect My Insurance Rates?

Sun, 02 Mar 2025 11:00:00 GMT

What Is the Connection Between Credit Scores and Insurance Rates?

What Impact Does Credit Score Have on Insurance Rates?

Higher score = lower rates: If your credit score is strong, insurers perceive you as financially responsible and less likely to file frequent or frivolous claims. Consequently, you are likely to have access to better insurance rates.
Lower score = higher rates : On the flip side, a lower credit score may signal financial instability to insurers. They may require higher premiums to offset the perceived risk.
Exception to the rule: In some states, insurance companies are restricted or prohibited from using credit scores to determine insurance rates. Your credit score may not affect your insurance premiums if you reside in one of these states.

How Can You Improve Your Insurance Rates?

Pay bills on time: Payment history is one of the most significant factors affecting credit scores.
Reduce credit card balances: A high ratio of balances to limits can negatively impact your score.
Avoid opening new credit accounts: It can temporarily lower your score due to hard inquiries on your credit report.
Check your credit report: Review the report for errors that could drag down your score unnecessarily.
Meet with our experienced agent: We can work to get you the best available rates for the insurance coverage you need.

Review Your Insurance Rates

Your Guide to Purchasing Small Business Insurance

Wed, 19 Feb 2025 11:00:00 GMT

Types of Small Business Insurance Policies

Why Do I Need Business Insurance?

You and your clients are protected : If a client files a claim against your business or products, having insurance can avoid the time-consuming and costly process of fighting a lawsuit.
Your employees are protected: A small business insurance plan can cover job injuries and employee illnesses.
It is a legal necessity: Depending on your industry, you must satisfy state and federal minimum business insurance requirements.

Find Out Your Legal Requirements

Small Business Administration

Worker’s compensation
Unemployment
Disability insurance

Assess Your Risks

If you sell products, you will need product liability insurance to protect against defective product claims.
If you provide services, professional liability insurance can cover claims against alleged errors and negligence.
If you hold significant physical assets, commercial property insurance can protect against fire, smoke, wind, hail, water, and vandalism.

Plan for Expansion

Discuss Your Coverage Needs with an Agent

Choose the Best Insurance for Your Small Business

Your Winter Electrical Safety Checklist

Sun, 16 Feb 2025 11:00:00 GMT

Outside Power Lines and Electric Components

Ensure Your Power Lines are Clear

Find and Label Your Breakers

Inspect and Protect Electrical Panels and Outlets

Shield Equipment from Snow and Ice

Run Any Generators Outside

Your Home’s Electrical Safety: Inside

Watch for Water Leaks

Check Your Electrical Cords

Avoid Overloading a Single-Circuit

Understand Space Heater Safety

Test Your Detection Alarms: Smoke and Carbon Monoxide

Stay Safe, Warm, and Secure This Season

What is a Loss Control Program, And Do I Need One?

Tue, 04 Feb 2025 11:00:00 GMT

How Do I Know If I Need a Loss Control Program?

Product theft
Damaged inventory
Workplace injuries
Property damage
Online security threats
Client claims

Developing a Plan

Getting Your Plan into Action

Employee safety manual: Have the safety manual written, printed, distributed, and read by all employees.
Security cameras : Get cameras installed if needed, and place clear signage about video surveillance as a deterrent.
Anti-theft tags: If you work in retail, implement RFID tags.
Inventory monitoring : Perform regular inventory reviews to ensure your products are safe from employee theft.
First aid stations: Be prepared in case of an accident. Purchase a quality first aid kit, or several if you have larger premises. Place first aid kits in easily accessible locations. Ensure your employees are informed where first aid supplies are available should an unexpected injury accident occur.

Monitoring Your Results

Improve Your Loss Control Program

Business Insurance Gives Peace of Mind

5 Winter Driving Mistakes That May Increase Your Premium

Sun, 02 Feb 2025 11:00:00 GMT

Not Clearing All the Snow Off Your Vehicle

Staying Bundled Up While Driving

Driving Too Fast for Weather Conditions

Following Too Closely on Slippery Roads

Lack of Vehicle Winter Maintenance Check

Stay Safe This Winter with Car Insurance You Can Trust

What You Should Know About E-commerce Business Insurance

Sun, 19 Jan 2025 11:00:00 GMT

What is Covered in E-Commerce Business Insurance?

General liability insurance
Commercial property insurance
Commercial auto insurance
Worker’s compensation insurance
Business income insurance

What Types of Businesses Need E-Commerce Insurance:

Online retail: Whether you are selling pajamas or personalized jewelry, interruptions in your supply chain, shipping delays, and employee injuries can cause financial setbacks that endanger your company’s survival.
Traditional retail with an online component: If you allow store or curb-side pick-up for online orders or operate a whole range of online-only merchandise in addition to the offerings at your physical location, you face the combined liabilities of commercial property and digital ransomware or data breaches.
Virtual marketplace sellers : If you sell your art, crafts, or services on platforms like Etsy, eBay, Airbnb, or Fiverr as a source of income, it’s worth covering your losses. If there are any claims about your products or quality, you can resolve the issue and move on rather than facing costs that can be a killing blow.
Online rideshare work: You are considered an independent contractor when you drive for Uber or Lyft. This type of work does not fall under traditional e-commerce and may need a specialized plan focused on commercial auto insurance. Your auto insurance should be customized to cover any damages not covered by the rideshare company.

What Happens If I Don’t Get E-Commerce Business Insurance?

Employee injuries: If your employee climbs a ladder to access items from a top shelf but falls and breaks their ankle, you could have to pay their medical bills out of pocket if you are not covered.
Customer lawsuit: This is particularly relevant for companies selling food, cosmetics, or medical items. If a customer claims your product made them sick, no coverage can put you in danger of a long and expensive court process.
Damaged inventory: If your stock is ruined by flood or fire, you may face delays, refunds, and a wave of customer complaints. E-commerce insurance can cover your losses.
Stolen information: Hackers could access your customer database and sell it to bad actors. This is embarrassing and can also result in significant issues with customer service.
Car accidents: Your delivery vehicle, which may also be your personal property or that of an employee, could experience unexpected damage on the road. Personal auto insurance will likely not cover the losses the vehicle is used for regular transport and delivery runs.

Protect Your E-Commerce Business with the Correct Coverage

How to Prepare Your Home for Winter Storms

Thu, 16 Jan 2025 11:00:00 GMT

Indoor Checks and Safety Measures

Heating System

Pipe Insulation

Water Main

Faucet Control

Emergency Supplies

Water
Non-perishable food
First-aid kit
Warm blankets and clothes
Flashlights
Cell phone charger backups

Outdoor Concerns

Cracks and Gaps

Gutters

Sidewalks

Roofing

Air Quality Control

Carbon Monoxide Detectors

Engine Check

Stay Safe and Secure with Compatible Coverage

Navigating Cyber Insurance in 2025

Sat, 04 Jan 2025 11:00:00 GMT

Cyber Insurance: What It Is and Why It Matters

Top Tips for Purchasing Cyber Insurance

Understand Your Risks

Study Your Options

Don’t Be Afraid to Ask Questions

What Does My Business Need to Qualify for Cyber Insurance?

Password protection: Multi-factor authentication (MFA) makes accessing sensitive data more difficult by requiring users to prove their identity using multiple factors.
Offline data backups: To recover from data being stolen or wiped out, backups that are “air-gapped” and not physically connected to the computer network are necessary.
Proactive vulnerability management: Online safety requires constant vigilance. Vulnerability management consists of conducting regular scans of your digital presence to locate and mitigate potential weaknesses that bad actors could exploit.
Real-time detection and response: Having an assigned cyber security employee or contractor responsible for responding to emerging cyber threats in real time helps to mitigate potential risks.
Security awareness training: Hackers can use the vulnerabilities of human staff to trick unwitting employees into giving away passwords or confirming confidential information. A vigorous security awareness training program keeps staff on their toes and vigilant against threats.

Protect Your Business with Cyber Insurance Coverage

New Year’s Resolutions for Policy Holders

Thu, 02 Jan 2025 11:00:00 GMT

Three Steps to Start Your New Year’s Insurance Policy Review

Review your coverage: If you have not recently reviewed your insurance policies, it is time to look at what is covered and at what value.
Note needed changes: As time passes, life comes with changes. It may be time to get more coverage, new coverage, a better deal, or another change that would benefit you.
Fill in the gaps: Contact one of our local insurance agents to help you understand the fine print on your existing insurance and discuss new options.

Do My New Year’s Resolutions Affect My Insurance Coverage?

Improving your health: If you’re embarking on a major weight loss journey, the good news is that this could lower your risk rating and policy premium. Some health insurance also offers coverage for weight loss programs; ask your agent if you are unsure about yours.
Saving money : Some life insurance policies provide a cash value component that acts as a savings cushion that can be used in times of need.
Taking a road trip: Many choose to engage in this adventure, but it is always better when carried out with a reliable safety net of personal and auto insurance that covers any potential mishaps along the way.
Getting married: If you are looking forward to getting married in the next 12 months, be sure that you are ready to expand your coverage to include your spouse.
Growing your family: Children bring so much life and joy and many future responsibilities. Ensure your coverage is expanded to include considerations for your child’s future education. Our agents can also help you set up a life insurance policy for your child that will grow with them.
Buying a home: If you are taking the big step towards home ownership in 2025, congratulations! Home insurance can ensure that your home is protected from fires, floods, earthquakes, and other risks. Our agents can walk you through everything you need to know.
Remodeling an existing home: If you’re considering adding an extension or renovating your kitchen, your property's inherent value will increase, and your policy will need to be adjusted appropriately.

Make Your New Year’s Resolutions a Big Success with Proper Coverage

Preparing for Change in the New Year

Thu, 19 Dec 2024 11:00:00 GMT

Look at Where You Are At

Year-over-year profit and loss
Year-end balance sheet
Cash flow analysis

Envision Realistic Growth Goals

Evaluate Existing Programs

Throw Out the Bad, Reinforce the Good

Specific: Be exact and name the precise quantity of sales, products, impressions, etc., you plan to achieve to attain the growth you envision for your company.
Measurable: Make sure the goal you set can be measured and tracked. “Lots of sales” is not the same as “Maintain an average of $50,000 in XYZ product sales each month, achieving $600,000 total annual sales by year-end.”
Attainable: Make your goal challenging but not impossible. Be honest with yourself and consider the actual resources you have.
Relevant: After your analysis, you should know what matters to your business and what doesn’t. Don’t waste time and effort setting and achieving goals that will not get you closer to the ideal you have envisioned for your company.
Time-bound: Set a deadline. And don’t make everything “by the end of the year, ” either. Set realistic time targets so progress towards your goals happens regularly.

Plan A Smooth Transition

Stay Safe While You Make Changes With the Right Business Insurance

Preventing Package Theft

Mon, 16 Dec 2024 11:00:00 GMT

Hide The Goods

Use a Lockbox

Sign For Your Packages

Install Security Cameras

Consider Personal Insurance

Track Your Deliveries

Arrange a Pick-Up Location

Don’t let Porch Pirates Ruin Your Day—Protect Yourself with Insurance.

Winter Weather Preparedness for Small Businesses

Wed, 04 Dec 2024 11:00:00 GMT

Employee Safety and Communications

Create a Winter Communications Plan

Train Your Staff for Cold Weather Safety

Stock a Storm Emergency Kit

First-aid supplies
Blankets
Non-perishable snacks
Bottled water
Flashlights and extra batteries
Phone chargers or power banks
Battery-powered radio

Public Information and Wellness

Keep Customers Informed

Prevent Snow and Ice Hazards

Property Protections

Prepare for Outages and Delays

Increase Your Efficiency

Conduct Post-Storm Assessments

Protect Your Business with Insurance Coverage

Safety Tips for Online Shopping

Sun, 01 Dec 2024 11:00:00 GMT

2.6 million fraud reports

Use the maxim, “If it looks too good to be true, it probably is.” Scammers often use unbelievable deals to lure in naive shoppers or give a false impression that something is free when it’s just a ploy to grab your bank details. An offer to earn “$17,000 in Bitcoin for free!” when you sign up sounds great, but the platform won’t let you withdraw anything, even after you input your credit card number.

Stick with brands you know; research those you don’t. Big-name brands have a reputation to uphold. They have a duty to the public to ensure online transactions are safe and secure and a more extensive process for protecting against identity theft. When attracted to an item a new e-retailer offers, verify its legitimacy by looking it up on independent review sites. Only purchase from an unknown retailer after some research.

Make payments with credit instead of debit cards. Credit cards work better than debit cards for fighting fraud. You can get actions reversed or canceled by speaking with the company. When a debit card is used, the money is gone as soon as it leaves your bank, and it can be more complicated, or in some cases impossible, to have your money returned to you.

Access only secure websites. Another good tip on website security is to look at the lock symbol in the search bar at the top of your web browser. The symbol means the page is secure; passwords and personal information entered will be private. Another safety indicator is if the URL starts with HTTPS, the “s” stands for secure. If there is no “s,” the site may be more easily hacked—and your information with it.

Consider getting personal cyber liability insurance. Most people do not know that you can purchase insurance that will protect you against certain types of online cybercrime. Personal cyber liability insurance can cover fraud losses, identity theft, and even data restoration after a cyber incident.

Avoid public Wi-Fi while shopping. Public Wi-Fi is precisely that: public! A hacker’s dream. Cyber thieves can record your keystrokes from afar if you enter your details using the public internet. Avoid using public Wi-Fi services if you need to shop online when you are out and about.

Open email links with caution. Scammers are getting smarter every day, posing as your bank, the retailer you just visited, or the store where you recently purchased an item. Look out for messages that pressure you to urgently take action or ask you to “re-enter your credit card details” because your transaction failed. Rather than click the link, visit a reputable website or call the retailer to see if the email is legitimate or a scam.

Use secure passwords. A unique password with upper- and lowercase letters, numbers, and symbols is one of your best defenses against cyber criminals trying to access your accounts.

Track your bank statements regularly. If you keep an eye on your spending as a matter of course, you’ll be able to catch odd charges or indicators of fraud right away before it is too late to have your money returned to you. If you see something suspicious or off, call your bank immediately to report the matter or get the charges reversed.
Avoid storing financial information online. Yes, it is easy to save your credit card details with every retailer you love, so you can “click and go” when at checkout. Remember that any retailer can run into security issues—as has been proven repeatedly. If there’s a breach, your data is at risk. Take an extra 30 seconds to re-enter your card data so your personal information is not saved on dozens of sites across the web.

Stay Safe, Shop Smart

A Retailer’s Guide to Loss Prevention

Tue, 19 Nov 2024 11:00:00 GMT

National Retail Federation

Maintain Good Relations with Clients

Hire and Train Employees for Prevention

Promote open communication. Ensure employees know they are encouraged to communicate and feel comfortable reporting suspicious behavior to a manager. Employees who feel valued and part of a team may be less likely to steal from their employer.
Assign areas to specific personnel. By organizing your store into departments or sections, you can assign one employee responsible for customers and keep an eye out for shoplifters in their area.
Review common shoplifting practices and how to spot them. Ensure each new employee is trained on the signs of potential shoplifting and aware of how to observe these signs in real life. Take time once a week or once a month for the team to rehearse what they would do if they suspect a client is shoplifting to handle it smoothly and safely.
Establish cash handling systems. Rather than allowing many employees access to cash, work out a system for your employees to safely secure cash at the end of the day with multiple checkpoints to prevent collusion.

Organize Your Store for Comprehensive Visibility and Control

Small items: Place smaller items near the cashier in the line of sight of employees ringing up.
Pricier items: Put pricier retail items behind glass and require an employee to be present while potential buyers evaluate them. The employee should then return the merchandise to the glass case.
Hidden corners: Install anti-theft mirrors so employees and managers can see all store areas.
Shelving: Consider organizing your shelves and inventory so that the staff on duty can view the space more easily. Lower shelves allow customers to be observed at all times.

Monitor People and Inventory with Technology

Protect Your Investment with the Right Business Insurance Coverage

Driving Safety Tips as Daylight Savings Ends

Sat, 16 Nov 2024 11:00:00 GMT

1. Have Your Headlights Adjusted

2. Look Out for Animals

3. Avoid Looking at Bright Headlights

4. Clean Your Windshield Well

5. Get Your Tires Checked

Safe Driving Brings You Long-Term Benefits

How to Insure Your Side Business

Mon, 04 Nov 2024 11:00:00 GMT

Do Your Research

Do you have valuable inventory in your home, garage, or storage area?
Are you being entrusted with sensitive data, such as credit card numbers or Personally Identifiable Information? Is this data stored on a personal laptop or computer?
Are you or a business partner using a personal car to perform company business?
Are you dealing with food or edible substances that could potentially make a customer ill?
Are you caring for children or animals as part of your work?

General Liability Insurance : The most common type of business insurance is general liability insurance, which covers your business's main risks, such as employee injuries, property damage, and inventory loss. Be sure that any general liability policy is tailored to your business.
Commercial Property Insurance: This covers repairing or replacing damaged buildings, equipment, and inventory, ensuring you can rebuild after a disaster.
Commercial Auto Insurance: The primary vehicle used for your work will be covered for damage and repairs.
Business Interruption Insurance : If unforeseen consequences cause you to temporarily halt operations, this coverage can help replace lost income and cover expenses.
Cyber Threat Insurance : As more businesses go digital, hackers have become a serious threat to operations. Insuring yourself against cyber-attacks can help protect against losses from data breaches or website shutdowns.

Talk to a Licensed Insurance Agent

Compare Policy Options

Costs
Benefits received
Longevity and financial stability of the provider
Quality of service
Personal peace of mind

Choose Your Policy

5 Steps to Protect Your Home from Carbon Monoxide

Sat, 02 Nov 2024 11:00:00 GMT

CDC

1. Install Carbon Monoxide Alarms

2. Avoid Using Fuel-Burning Devices Incorrectly

Stoves should never be used as space heaters.
Gas generators must always be located outside of the house.
Chimneys must be clear and unobstructed before starting a fire.
Generally, exercise caution and read directions when dealing with fuel-burning devices to avoid CO poisoning.
Coal must never be burned inside a home.

3. Maintain Existing Gas or Fuel Burning Appliances

4. Ensure Proper Ventilation in Your Home

5. Develop an Emergency Escape Plan

Stay Safe with Peace of Mind

What to Do After Being Hacked

Sat, 19 Oct 2024 11:00:00 GMT

Assess the Situation

Outreach

Secure Your Accounts

Change Passwords Immediately

Enable Two-Factor Authentication (2FA)

Review Account Activity

Assess the Damage

Prevent Future Hacks

Act Fast to Minimize the Damage from a Hack

Your Guide to Purchasing a Home Security System

Wed, 16 Oct 2024 11:00:00 GMT

Types of Home Security Systems

1. Monitored Systems

2. DIY Systems

3. Wireless vs. Wired Systems

Features to Consider

Cameras : Essential for monitoring entrances and vulnerable areas around your home.
Sensors : Placed on windows and doors to detect any unauthorized entry.
Alarms : Effective deterrents for burglars, alerting you and your neighbors of a break-in.
Smart Home Integration : Many systems can control locks, lights, and cameras remotely through a smartphone app, making it easier to monitor your home from anywhere.

Choosing the Right System

Budget : Systems vary widely in cost based on features and whether professional monitoring is included.
Home Size : The size of your home determines how many cameras and sensors you’ll need.
Neighborhood : Consider your neighborhood’s safety. Homes in higher-crime areas may require more advanced security features.
Comprehensive Detection : Look for systems that offer additional protection, such as smoke and carbon monoxide monitoring and burglary protection.

Secure Your Home with the Right System

5 Ways to Remain Productive After Equipment Malfunctions

Fri, 04 Oct 2024 11:00:00 GMT

1. Assess the Issue Quickly

2. Temporary Workarounds

3. Prioritize Tasks

4. Communicate Delays

5. Efficient Use of Downtime

Long-Term Strategies

Keep Productivity Alive Even When Equipment Fails

How to Prevent House Fires & What to Do if One Occurs

Wed, 02 Oct 2024 11:00:00 GMT

Prevention Tips

1. Install Smoke Alarms

2. Kitchen Safety

3. Electrical Safety

4. Heating Safety

5. Create a Fire Escape Plan

What to Do During a Fire

Get out immediately : Leave the house without hesitation at the first sign of smoke or flames.
Stay low to avoid smoke : If smoke is present, crouch or crawl to avoid inhaling harmful fumes.
Check doors for heat : Use the back of your hand to test if doors are hot before opening them.
Call 911 from outside : Once safe, contact emergency services securely.
Do not re-enter : Stay outside and wait for the fire department to declare your home safe before returning inside.

Keep Your Home Safe Year-Round

2024 Business Insurance Trends to Consider

Thu, 19 Sep 2024 11:00:00 GMT

As the end of 2024 approaches, the nature of business risk continues to evolve, driven by technological advancements, regulatory changes, and global challenges. Staying informed about emerging trends allows businesses to protect themselves against threats. There is a growing trend in crafting a business insurance policy that addresses risks associated with data breaches, regulatory compliance, the workforce, catastrophic weather, and social inflation. 1. Data Breach…

To Lease or Finance a Car?

Mon, 16 Sep 2024 11:00:00 GMT

Deciding between leasing and financing a car is a common dilemma for many prospective car owners. This decision carries significant financial implications and can also reflect personal lifestyle choices. Whether you prioritize having the latest model or prefer the long-term benefits of ownership, you want to weigh each option’s pros and cons. Moreover, your choice can affect your insurance premiums and coverage needs, making it…

How Business Insurance Helps You Weather Any Storm

Wed, 04 Sep 2024 11:00:00 GMT

September marks National Preparedness Month when businesses are encouraged to assess their readiness for unexpected challenges. Whether it’s a natural disaster, a cyberattack, or a legal dispute, being prepared is essential to the longevity and success of any business. One of the most critical components of preparedness is having the right business insurance. It provides a safety net to help your business survive and recover…

6 Renovations to Boost the Value of Your Home

Mon, 02 Sep 2024 11:00:00 GMT

Home renovations are a powerful tool for increasing the value of your property. Whether you’re planning to sell or want to enhance your living space, strategic improvements can offer a significant return on investment (ROI). However, while engaging in renovations is tempting, it’s imperative to consider the potential insurance implications of substantial changes. The following suggested renovations can boost your home’s value and ensure you’re…

How to Reduce Expenses in Your Small Business

Mon, 19 Aug 2024 11:00:00 GMT

One of the most common struggles for small businesses involves managing costs and reducing expenses. It’s essential for maintaining profitability and fostering growth. Your business's long-term success and sustainability can be achieved by focusing on strategies like redoing contracts, monitoring energy usage and considering affordable tech solutions. By adopting such practical measures, costs can be cut down without diminishing quality or hampering productivity. Analyze and…

5 Practical Tips for Your Hurricane Season Travels

Fri, 16 Aug 2024 11:00:00 GMT

Traveling during hurricane season presents unique challenges, including unpredictable weather and potential disruptions. Proper preparation and insurance coverage are essential to safeguard your trip and finances. Preparing properly can lower risks and promote a sense of calm. As the hurricane season approaches, here are some helpful tips to make your trip smoother and to overcome potential weather-related challenges. Tip 1: Plan Ahead and Stay Informed…

Your OSHA Compliance Guide to Recordkeeping & Reporting

Sun, 04 Aug 2024 11:00:00 GMT

OSHA (Occupational Safety and Health Administration) ensures workplace safety by setting and enforcing standards to protect workers’ health and safety. Compliance with OSHA’s recordkeeping and reporting requirements is key for maintaining a safe work environment and preventing accidents. Here is an examination of practical strategies for business owners to promote OSHA compliance, covering recordkeeping, reporting procedures, and best practices to promote a culture of safety…

Your Back-to-School Insurance Checklist

Thu, 01 Aug 2024 11:00:00 GMT

Returning to school is an exciting time, promising new lessons, growth, and fresh experiences. By keeping your insurance coverage current, you are taking steps to safeguard your loved ones, your property, and your financial well-being. Add the following insurance products to your back-to-school checklist to prepare for a new school year. 1. Health Insurance Your child’s health is paramount; they may be exposed to…

Do I Need Employment Practices Liability Insurance (EPLI)?

Fri, 19 Jul 2024 11:00:00 GMT

Assessing Your Business Needs

Number of Employees: Larger companies with more employees are at a higher risk of facing employment-related claims due to the increased likelihood of disputes and conflicts in the workplace.
Industry and Business Environment: Some industries, such as healthcare, finance, and retail, are more prone to employment-related lawsuits. Additionally, businesses operating in highly regulated sectors may face greater exposure to legal risks.
History of Employment Claims: Evaluate past incidents or claims of discrimination, harassment, wrongful termination, or other employment-related issues within your organization. A history of such claims may indicate a need for EPLI coverage.
HR Policies and Practices: Assess the effectiveness of your human resources policies and procedures in preventing and addressing employment-related issues. Robust HR practices can help mitigate risks but may not entirely eliminate the need for EPLI coverage.
Financial Resources: Consider your business’s financial resources and ability to absorb the costs of defending against employment-related claims and potential legal liabilities. EPLI coverage protects against significant legal expenses, settlements, and judgments, ensuring the continuity of your business operations.

Legal Risks

Cost vs. Benefit Analysis

Compliance & Risk Management

Consulting with an Insurance Professional

7 Important Steps to Reduce Distracted Driving

Tue, 16 Jul 2024 11:00:00 GMT

Step 1: Plan Your Route Ahead

Step 2: Prepare Before You Drive

Step 3: Silence Your Phone

Step 4: Auto-Messaging

Step 5: Secure Loose Items

Step 6: Limit Passenger Distractions

Step 7: Take Breaks When Needed

Staying on the Path to Responsible Driving

Your Business Insurance Renewal Checklist

Thu, 04 Jul 2024 11:00:00 GMT

Consult with an Insurance Agent

Property Damage: Insurance coverage for property damage protects against losses due to events like fire, vandalism, or natural disasters, ensuring that physical assets such as buildings, equipment, and inventory are adequately protected.
Liability Claims: General liability insurance covers legal expenses and damages arising from third-party bodily injury, property damage, or personal injury claims against the business. This includes slip-and-fall accidents on the premises or product-related injuries.
Professional Liability: Also known as errors and omissions (E&O) insurance, professional liability coverage protects businesses that provide professional services or advice against claims of negligence, errors, or omissions that result in financial harm to clients.
Employment Practices Liability: EPLI insurance protects businesses against claims of wrongful termination, discrimination, harassment, or other employment-related issues brought by employees or former employees.
Directors and Officers (D&O) Liability: D&O insurance covers company directors and officers against claims alleging wrongful acts, errors, or negligence in their managerial roles, including lawsuits from shareholders, customers, or regulatory agencies.

Review Current Coverage

Assess Business Risks

Workers' Compensation Coverage

Consider Additional Coverage Options

Review Deductibles and Premiums

Sharing the Road: The Do’s & Don’ts for Cyclists & Drivers

Mon, 01 Jul 2024 11:00:00 GMT

The Do’s for Cyclists

Wear proper safety gear: Always wear a helmet and reflective clothing to increase visibility and protect yourself in case of accidents.
Follow traffic laws and signals: Obey traffic signs and signals, including stopping at red lights and yielding to pedestrians and vehicles when necessary.
Use hand signals to indicate turns: Signal your intentions by using hand signals to communicate with drivers and other cyclists, making your movements predictable and reducing the risk of accidents.
Look out for pedestrians: Be mindful of pedestrians crossing the road or using designated paths. Yield to pedestrians at crosswalks and give them ample space when passing to ensure everyone’s safety on the road.

The Don’ts for Cyclists

Avoid riding against traffic: Always ride in the same direction as the traffic flow, staying on the right side of the road. Riding against traffic increases the risk of collisions and confuses drivers.
Don’t assume drivers can see you: Even if you have the right of way, never assume that drivers see you. Make eye contact with drivers to help them anticipate their actions and avoid accidents.
Avoid distractions like headphones: Stay focused on the road and your surroundings by avoiding distractions like wearing headphones or using electronic devices while cycling. Being alert and attentive can help you react quickly to potential hazards and prevent accidents.
Don’t ignore traffic signals: Respect traffic signals and signs, including stop signs, red lights, and yield signs. Ignoring traffic signals increases the risk of accidents and undermines cyclists’ credibility as legitimate road users. Always adhere to traffic regulations to ensure your safety and the safety of others on the road.

The Do’s for Drivers

Respect cyclists’ space on the road: Give cyclists enough room to maneuver safely and avoid driving too closely behind them. Treat cyclists as you would any other vehicle on the road.
Yield to cyclists: Yield to cyclists at intersections, especially when turning right or left. Be patient and allow cyclists to pass through before proceeding.
Give cyclists ample space when passing: When overtaking cyclists, provide them with sufficient space by moving into the adjacent lane if possible. If not, ensure a safe distance of at least three feet when passing.
Look out for pedestrians: Watch for pedestrians crossing the road, especially near intersections and crosswalks. Yield to pedestrians and give them the right way to ensure their safety.

The Don’ts for Drivers

Don’t drive aggressively around cyclists: Be patient and respectful when sharing the road with cyclists. Avoid aggressive maneuvers such as tailgating or sudden lane changes that could endanger cyclists.
Avoid distractions like texting while driving: Keep your focus on the road and avoid distractions like texting, making phone calls, or adjusting the radio while driving. Distracted driving increases the risk of accidents involving cyclists and other road users.
Don’t drive after consuming alcohol: Never drive under the influence of alcohol or drugs. Impaired driving significantly impairs your ability to react to unexpected situations, increasing the likelihood of accidents with cyclists and other vehicles.
Don’t park in bike lanes: Respect designated bike lanes and avoid parking or stopping in them. Blocking bike lanes forces cyclists to merge into traffic, increasing their vulnerability to accidents. Always look for designated parking areas to avoid obstructing cyclists’ paths.

Sharing the Road for Safer Streets

Safeguard Your Business from Common Social Media Risks

Thu, 20 Jun 2024 11:00:00 GMT

Since the early 2000s, social media has grown from a trend in which only college kids participated into a vital communication channel for society. Today, social media is essential for small businesses to connect with customers and promote their brands. However, social media has risks such as negative reviews, data breaches, or damage to business reputation.

Safeguard your business by implementing clear social media policies, training employees on proper usage, and regularly monitoring online activity. Vigilance and proactive management can help mitigate risks and ensure your business thrives in the digital landscape.

Data Collection Regulations

Social media poses a significant risk to confidential data through unauthorized access or data leaks. Protect against breaches by ensuring compliance with local and federal data regulations, such as GDPR or HIPAA. Implement robust software solutions to safeguard confidential data from malware and hackers, including encryption, firewalls, and regular security updates. Vigilance and proactive measures are essential to mitigate the risks of sharing sensitive information on social media platforms.

Cyber Threats

Cyber threats via social media pose significant risks to businesses, including the potential for hacking and brand damage through data breaches or fraudulent activities. Protect against hacking by implementing multi-factor authentication, conducting regular security audits, and educating employees on phishing scams and social engineering tactics. Additionally, monitor social media channels for suspicious activity and promptly respond to any security incidents to mitigate damage and safeguard your business’s reputation.

Cyber Liability Insurance

Incorporating cyber liability insurance into your insurance strategy is essential for modern businesses. It provides financial protection against data breaches, cyberattacks, and legal liabilities arising from online activities. When purchasing cyber liability insurance, consider coverage limits, deductible amounts, policy exclusions, and additional services like incident response support and cyber risk assessments. By addressing these considerations, businesses can effectively mitigate the financial risks associated with cyber threats and ensure continuity in the event of an attack.

Media Liability Insurance

Media liability insurance protects businesses from liability claims related to online content, including defamation, copyright infringement, or invasion of privacy. Media liability coverage is crucial for companies engaged in online activities. This coverage works to mitigate the financial risks associated with publishing content across a range of digital platforms. It provides peace of mind by offering financial protection against costly legal expenses and damages, ensuring the continuity of operations despite potential disputes or litigation stemming from online content.

Coverage Assessment

Conducting a coverage assessment is vital for insurance tools combating social media risks. Assess existing general liability coverage to identify potential gaps in protection against cyber threats posed by social media. Consultation with an insurance professional ensures thorough evaluation and customization of insurance solutions to address specific risks associated with online activities. By proactively reviewing and adjusting coverage, businesses can mitigate financial exposures and safeguard against potential losses from social media-related incidents.

Insurance empowers your business, providing a robust defense against social media risks like cyberattacks and reputation damage. You can strengthen your shield against such risks by contacting one of your local insurance representatives. Our agents are equipped to guide you toward comprehensive coverage customized to fit your needs. Protect your business with confidence. Reach out to our agency today and fortify your future. Your local agent is eager to assist you on this journey to security.

5 Family-Friendly Home Projects to Start This Father’s Day

Sun, 16 Jun 2024 11:00:00 GMT

National Homeownership Month celebrates the dream of owning a home, highlighting its significance in achieving financial stability and building communities. It’s a time to recognize the value of homeownership and promote initiatives that support aspiring homeowners. Father’s Day coincides nicely with National Homeownership Month, offering an opportunity for families to bond over home improvement projects.

Making updates to the home fosters quality family time and strengthens bonds, Whether it’s a DIY renovation or a simple upgrade. As fathers impart their knowledge and skills, cherished memories are created, enhancing the pride and joy of homeownership while honoring the role of fathers in creating a nurturing home.

Houseplant Repotting

Father’s Day offers a perfect occasion for a family activity like houseplant repotting. Bringing houseplants indoors enhances aesthetics and purifies indoor air, boosting well-being. Opting for easy-to-care-for plants like snake plants or pothos ensures a rewarding experience for beginners. It’s a hands-on learning opportunity for kids, teaching them responsibility and plant nurturing skills.

Together, families can select the perfect pots, prepare soil mixes, and repot plants, fostering teamwork and bonding. As they witness growth and care for their green companions, they cultivate a deeper appreciation for nature and create lasting memories of time spent together.

Wall or Window Herb Gardens

Craft a wall or window herb garden for Father’s Day—an enriching gift with lasting benefits. Growing your own herbs ensures fresh flavors for home-cooked meals, promotes healthier eating habits and saves on grocery expenses.

Some great plants for your wall or window herb garden include:

Basil : This aromatic herb thrives in warm, sunny environments, making it ideal for a wall or window herb garden where it can bask in ample sunlight. Its compact growth habit makes it well-suited for smaller spaces and adds fresh flavor to various dishes, from pasta sauces to salads.
Thyme : With its low-growing and trailing nature, thyme is perfect for cascading down the side of a wall planter or hanging basket. It requires minimal care and loves the sun, making it an excellent choice for a window herb garden. Its earthy aroma enhances the taste of meats, vegetables, and soups.
Rosemary : Known for its resilience and robust flavor, rosemary is a hardy herb that flourishes in sunny locations. Its upright growth habit and woody stems lend themselves well to vertical gardening, making it a striking addition to a wall-mounted herb garden. Rosemary is a versatile seasoning for roasted meats, potatoes, and bread, making it a must-have herb for any culinary enthusiast.

Room Painting

A fresh coat of paint breathes new life into a room, enhancing its mood and ambiance. You can involve the kids in choosing colors, fostering creativity and decision-making skills. For fathers with young children, you can integrate learning by teaching them about color theory and the science of paint application, transforming a chore into a fun and educational experience.

Garage Organization

For many fathers, the garage is their sanctuary and domain. An orderly garage maximizes space, streamlines tasks, and reduces stress. Get kids involved by assigning them age-appropriate tasks like sorting tools or labeling bins. It’s a valuable lesson in responsibility and teamwork.

Mailbox Painting

Personalizing the mailbox can add personal charm and reflect your uniqueness. Gather supplies like paint, brushes, and stencils for an easy DIY project. Involve kids in painting and decorating, fostering creativity and teamwork. As you spruce up the mailbox, encourage letter writing and address practice, instilling valuable communication skills and the joy of sending and receiving mail.

Protect Your Home Improvements with Homeowner’s Insurance

After pouring time and effort into Father’s Day home upgrades, ensure they’re protected with homeowner’s insurance. Our agents understand the importance of safeguarding your investments and can tailor policies to suit your needs. Don’t leave your hard work vulnerable—reach out to your local agent, who can guide you through the insurance process.

How to Create a Safer Workplace in Any Industry

Tue, 04 Jun 2024 11:00:00 GMT

National Safety Month in June serves as a crucial reminder of the importance of safety in every facet of our lives. The significance of safety plays a significant role in the place where most of us spend most of our week: the workplace. Business owners should prioritize safety as it directly impacts employee well-being, productivity, and overall success.

Ensuring a safe work environment reduces the risk of accidents, injuries, and costly legal threats while fostering a positive company culture built on trust and respect. By recognizing and actively promoting safety measures, businesses demonstrate their commitment to protecting their most valuable asset: their employees.

Physical and Mental Health Injuries

The safety and well-being of workers cannot be understated. The vital safety actions include protecting workers against risks that impact their physical and psychological well-being. Examples of physical injuries include:

Slips, Trips, and Falls : These accidents often occur due to wet floors, cluttered walkways, or uneven surfaces, resulting in sprains, strains, fractures, or head injuries.
Repetitive strain injuries : Repetitive strain injuries (RSIs) such as carpal tunnel syndrome or back strains are common in jobs requiring repetitive motions or heavy lifting.
Struck-By Injuries : Workers may be struck by falling objects, moving machinery, or vehicles, leading to bruises, fractures, or traumatic injuries.
Burns : Employees in industries like food service, manufacturing, or healthcare are at risk of thermal, chemical, or electrical burns due to contact with hot surfaces, chemicals, or faulty equipment.

Addressing mental health alongside physical safety fosters a supportive work environment.

Stress : Work-related stress can stem from excessive workload, tight deadlines, or interpersonal conflicts, leading to feelings of overwhelm and pressure.
Anxiety : Anxiety in the workplace may manifest as persistent worry, fear of failure, or perfectionism, impacting performance and overall well-being.
Burnout : Prolonged exposure to chronic stressors can result in burnout, characterized by emotional exhaustion, cynicism, and a reduced sense of accomplishment.
Depression : Workplace depression can arise from factors like job dissatisfaction, bullying, or lack of work-life balance, affecting mood, motivation, and productivity.

Prioritizing both aspects ensures a safer workplace and promotes employee resilience and overall organizational health, enhancing productivity and morale.

Building a Safety Culture

Establishing a workplace culture prioritizing employee safety and well-being requires a year-long commitment to safety compliance. Business owners can benefit from offering comprehensive training options for OSHA and workplace safety, ensuring staff are well-equipped to mitigate risks.

Consider the following when establishing a respectable workplace culture that is safety-forward:

Employee Involvement in Safety Planning : Encourage active participation from employees in safety planning processes, soliciting their input and feedback to address potential hazards effectively.
Regular Review of Safety Plans : Conduct periodic reviews of safety protocols and procedures to ensure they remain relevant and effective, incorporating lessons learned from near misses or incidents.
Updating Emergency Contacts : Regularly update and maintain emergency contact information for all employees to facilitate prompt communication and assistance during crises.
Providing Ongoing Safety Training : Offer continuous safety training and education to employees, keeping them informed about new hazards, best practices, and regulatory changes.
Recognizing and Rewarding Safety Practices : Implement a system for recognizing and rewarding employees who demonstrate exemplary safety practices, reinforcing the importance of a safety-first mindset throughout the organization.

By fostering a culture of employee safety, businesses protect workers and cultivate a positive work environment that is more conducive to productivity and growth.

Safeguarding Success with Business Insurance

Business insurance isn’t just about financial protection—it’s a cornerstone of a thriving safety culture. By mitigating risks and investing in safety measures, workers' compensation insurance empowers companies to prioritize employee well-being. We are here to help you with insurance solutions to fortify your safety initiatives. Let our agents guide you through the process, ensuring your efforts are safeguarded. Contact our agents today for personalized insurance expertise. Your local agent is ready to assist you.

What to Know Before Renting a Car This Summer

Sun, 02 Jun 2024 11:00:00 GMT

Summertime offers the opportunity for adventure, exploration, and sharing time with friends and family. Whether planning a cross-country road trip, a weekend getaway to the beach, or exploring a new city, renting a car can enhance your travel experience by providing freedom and flexibility. However, several issues must be considered before you hit the road to ensure you enjoy a smooth, stress-free journey.

Assess Your Needs

The first step in renting a car for your summer travels is to consider what you plan to do on your trip. Are you going on a leisurely road trip, traveling for business, or only needing a rental car for local excursions? Evaluating your needs will allow you to choose the best vehicle for your trip.

Next, assess the number of passengers and the amount of luggage or equipment you’ll need to accommodate. If you’re traveling with family or friends, you’ll want to ensure enough space for everyone to travel comfortably. Additionally, consider any specific features or requirements you may have, such as GPS navigation, trunk space, or child safety seats.

Importance of Your Car Insurance Options

Understanding insurance options is crucial when renting a car. Insurance provides protection in case of accidents, theft, or damage to the rental vehicle, helping to avoid unexpected expenses and ensuring peace of mind during your travels. Most rental companies offer several insurance options to choose from, including:

Loss or Collision Damage Waiver (LDW/CDW): This option relieves you of financial responsibility if the rental car is damaged or stolen. However, it may come with limitations and deductibles.
Liability Insurance: Protects you if you risk being held liable for damage to property or injury to others while driving the rental car.
Personal Accident Insurance: Provides coverage for medical expenses resulting from accidents while driving the rental car.
Personal Effects Coverage: Insures personal belongings in the rental car in case of theft or damage.

Before renting a car, take the time to review and understand the specifics of each insurance option to ensure you have the coverage that will protect you and your passengers – and your financial health.

Credit Card Coverage

In addition to insurance offered by rental companies, many credit cards offer rental car insurance as a cardholder benefit. This coverage can vary depending on the credit card issuer but typically falls into two categories:

Primary Coverage: Provides insurance without requiring you to file a claim with your personal auto insurance. Coverage may be limited to certain types of vehicles or rental periods.
Secondary Coverage: First, you must file a claim with your auto insurance company. It may cover deductible expenses and additional costs not covered by your primary insurance.

Before relying on credit card coverage, you must understand the terms and limitations of the policy.

Get Road-Ready with Our Help

Are you planning a summer adventure? Our agents are here to ensure you have the coverage you need for a worry-free journey. From learning about your insurance options to finding the perfect rental car, our agency can help every step of the way. Call your local agent today and take to the road with confidence.

Navigating Large Loss in a Small Business

Sun, 19 May 2024 11:00:00 GMT

Having your own business can be an extremely rewarding endeavor. All businesses encounter risks, but successful ones know how to approach those risks in a calculated and strategic fashion. However, even calculated decisions sometimes cannot predict situations that lead to financial loss.

Specifically, business losses occur when operating expenses exceed the revenue earned during a certain period. A wide range of variables can lead to business loss, such as natural disasters, cyber-attacks, and legal troubles.

Types of Large Losses

Generally, large losses in business can result from situations that inflate operational costs. Typical scenarios include the following:

Natural disasters: Disasters are a major source of loss for businesses and consumers alike because they inflict serious damage on tangible assets like buildings and equipment. Such disasters include wildfires, floods, earthquakes, and hurricanes.
Fires: Fires are also a significant cause of business losses because of their destructive nature. Without protection and prevention measures, fires can destroy a business’s buildings, documents, equipment, and other essential assets.
Cyber-attacks: In today’s digital age, cyber-attacks are a significant problem for everyone. They can involve the breach of confidential information, such as client lists, proprietary operational information, financial accounts, and passwords. Importantly, cyber-attacks can lead to legal liability as well.
Market Forces: Volatile market forces are also a major type of large loss, such as economic downturns and recessions.
Legal Liability: Businesses must deal with a significant number of laws and regulations. Non-compliance can often lead to hefty fines, and the threat of litigation can result in significant damages awards against businesses.

Dealing with Large Losses

Recovering from large business losses involves rigor and taking a methodical approach to learning lessons from adversity. Combatting business losses requires identifying the cause of the loss and determining a strategic approach to preventing and mitigating future situations. Strategies business owners can implement include:

Planning for Emergencies: Many people consider natural disasters and similar emergencies to be “unforeseen risks.” A savvy business owner understands that such disasters are an unfortunate reality. Establishing a response plan that outlines procedures for handling such scenarios can effectively mitigate the consequences of a natural disaster.
Insurance : A comprehensive business insurance policy will cover certain losses, such as property damage, cyber-attacks, legal liability, or other conditions that would otherwise disrupt business operations.
Redundant Systems: Risks such as natural disasters and cyber-attacks are significant threats to important data and documents, especially as we move towards paperless operations. Important documents and data must be backed up to minimize the financial risk and potential liability from data loss and cybersecurity breaches.
Security : Establishing strong security measures is an effective countermeasure to the threat of loss due to theft. Hiring security personnel, installing closed-circuit television (CCTV) cameras and monitors, and installing security software on computer devices and networks are all important steps for preventing loss due to theft. Although security can be expensive upfront for some businesses, it can be a vital long-term cost-saving measure.

Your Partner in Recovery

Business owners cannot afford to be unprepared in the event of a large loss. That is why taking steps such as those outlined above is crucial to creating and maintaining a smooth and profitable business. If you have questions about the types of insurance policies and coverage solutions available for your operation, contact one of our local agents. Our team is here to prioritize your interests.

Spring Maintenance for Your Home & Car

Thu, 16 May 2024 11:00:00 GMT

Spring Maintenance for Your Home

As spring rolls around, many homeowners should consider revitalizing their homes through post-winter maintenance. Winter can often damage a home, including its exterior, plumbing, and climate control systems. In anticipation of winter, try adding the tips below to your spring maintenance checklist.

HVAC Maintenance

During warmer seasons, air conditioning is more than just a luxury; it is a home essential. Therefore, HVAC maintenance is an essential part of spring home maintenance. Replace air filters to maintain and improve air quality. This also prevents strain on your HVAC system. Importantly, make sure your air vents and ducts are free from dust and allergens that may have built up during the winter.

Check Plumbing

A crucial part of a good spring home maintenance routine involves inspecting systems that may have been damaged during the winter, such as outdoor faucets and hoses. Freezing temperatures can lead to significant damage to plumbing systems. Repairing and replacing them can save you costly repairs down the road.

Additionally, water damage from rain and melting ice can lead to major problems such as mold growth and water damage. For many homeowners, turning to a professional to address major issues can be worth the expense.

Lawn and Garden Care

Many homeowners consider their lawn to be the crown jewel of their home. After a harsh winter, rain and snow can lead to slow growth and damage. As spring arrives, you can maintain a beautiful lawn using fertilizer treatments and weed killer.

After winter, lawns can be covered with leaves and debris, which can be removed by raking. Shrubs and hedges can have dying branches that can be removed by pruning to give a lawn a renewed look.

Spring Car Maintenance

Winter can affect cars and homes alike. Car owners should implement the following measures as part of their routine spring car maintenance.

Inspect Tires

Well-maintained tires are crucial to help keep your car running smoothly and safely. Temperature differences during the winter can lead to issues involving tire pressure. Extreme weather conditions can also increase wear and tear on tread and tire sidewalls. Rotating and replacing tires on a regular basis can help maintain your car’s performance.

Remove Pollen

It is vital to keep your car free from pollen, as with time, the pollen will have a detrimental effect on vehicle paint. Remove the pollen with water, not a soft cloth, as sweeping it off with a cloth can cause more damage to the finish.

Check Fluids

Lubrication and coolant systems are a significant part of a well-running car. During winter, oil, coolant, and brake fluids can become old and dirty, which can lead to inefficient and even dangerous problems for a car, especially if the car has not been used often. Inspecting and replacing these crucial systems is vital to ensuring your car is in working order.

Electrical Systems

Temperature differences can also majorly impact your car’s battery and electrical systems. Car owners can order voltmeters and portable battery chargers online to check for electrical problems as part of their routine car maintenance for spring.

Our Agents Will Spring into Action to Assist You

Spring is a chance for home and car owners to look forward to a new year. Spring cleaning and maintenance do not have to be a chore. If you are worried about damage to your home, our agents are available to assist you with insurance solutions to address your needs. Get in touch with your local agent today so you can breeze through your spring maintenance plans.

Sharing the Road: The Do’s & Don’ts for Cyclists & Drivers

Mon, 13 May 2024 16:55:00 GMT

The Do’s for Cyclists

The Don’ts for Cyclists

The Do’s for Drivers

The Don’ts for Drivers

Sharing the Road for Safer Streets

Strategies to Combat Employee Theft

Sat, 04 May 2024 11:00:00 GMT

Employee theft is a major issue that many business owners must unfortunately confront, damaging employer-employee trust and creating an intolerable financial burden on operations. Taking proactive measures to prevent and address instances of theft is crucial to protecting the business community. On average, workplace theft results in a staggering $50 billion in losses each year.

The Alarming Scope of Employee Theft

The growing prevalence of employee theft is very concerning. Twenty-five percent of businesses have reported losses exceeding $1 million due to employee theft. Statistics also reveal that 37.1% of all employee theft involves employees at the management level. Furthermore, instances of theft committed by an employee have risen to a whopping 37.5%, based on self-reporting statistics. Sadly, one-third of business bankruptcies are caused by employee theft.

Further studies have shown that employees are more likely than non-employees to steal from their employers, constituting 44% of theft-related losses at retail businesses and other stores. Implementing stricter and more effective protection measures is crucial to prevent financial harm to businesses and innocent employees who depend on their jobs with the employer.

Preventative Measures for Businesses

To mitigate the risk of employee theft and protect the business’s financial integrity, business owners can take the following steps toward implementing secure business operations:

Establish Clear Policies and Procedures: Develop comprehensive policies outlining acceptable behavior, ethical standards, and consequences for theft or fraud. Clarifying these policies and their consequences is a strong step toward deterring theft.
Screen and Train Employees: Conduct thorough background checks on potential hires to identify any red flags or prior criminal history. By implementing screening and training measures, you can create an environment where suspicious activity can be spotted and addressed before a theft occurs.
Implement Strict Access Controls: Restrict access to sensitive areas, financial records, and valuable assets to authorized personnel only. Utilize surveillance cameras and access control systems to monitor employee activities and deter theft.
Promote a Culture of Transparency and Accountability: Encourage open communication channels where employees feel comfortable reporting suspicious behavior or concerns. Conduct regular audits and reviews of financial transactions to identify discrepancies and address them promptly.
Reward Ethical Behavior: Recognize and reward employees who demonstrate honesty and integrity in their actions. Offer incentives for reporting instances of theft or fraud, fostering a culture of accountability.

Seek Professional Guidance

Despite implementing preventative measures, businesses may still be victims of employee theft. In such cases, seeking professional guidance is crucial to navigate the legal and financial implications effectively. Legal professionals, financial advisors, and insurance specialists can be powerful resources in the fight against employee theft.

An elemental part of dealing with the aftermath of employee theft is choosing the right business insurance policy. Your local agent can be a reliable partner in helping you select and understand the ins and outs of a business insurance policy that covers employee theft and similar losses. With an effective insurance policy, you can enjoy peace of mind knowing that your business interests have additional protection. To learn more about your business insurance policy options, reach out to your local agent today.

6 Considerations for Preparing for Your Move

Thu, 02 May 2024 11:00:00 GMT

Exciting Times Ahead

Congratulations on your new home! Buying a new home is filled with fresh possibilities and the excitement of new beginnings. As you prepare to move into your home, it is important to ensure it is as stress-free as possible. Whether you’re moving across town or to a different state, taking these specific steps can make a big job less overwhelming.

Assess Your Moving Needs

Before starting the process, take some time to assess exactly what you will need to make the move, engage in an evaluation of the basics:

Size of your household: Evaluate the belongings you need to move, and whether you have possessions that will require special handling, such as art, fragile glass items, and electronic devices such as TVs.
Distance of the move: Moving locally makes moving an easier task, but a long-distance move will require finding a reputable moving company, or a truck rental.
Budget constraints: Evaluate your budget to determine whether you can afford professional movers or if a DIY approach is more suitable.

Pros and Cons of DIY vs. Hiring Professional Movers

Deciding whether to tackle the move yourself or enlist the help of professional movers is a crucial decision that can significantly impact your moving experience. Here are some pros and cons of each option:

DIY Moving

Moving yourself brings both advantages and disadvantages. A “pro” is that doing it yourself is far more cost-effective for short distance moves. You control the moving process, and can call upon friends and relatives to pitch in. The drawbacks include that moving by yourself requires significant time and physical effort. Packing fragile items and larger possessions will require ensuring you have all the necessary packing materials to hand.

Professional Movers

Using a professional moving service streamlines the moving process by outsourcing labor-intensive tasks to experienced professionals. Additionally, these services may provide access to specialized equipment and packing materials to ensure the safe transportation of belongings. Hiring a professional moving service is more costly than a DIY approach, especially for long-distance moves. Moreover, relying on external parties can ensure your possessions are professionally packed and protected.

Create a Moving Timeline

To avoid last-minute stress and ensure a well-organized move, draft a moving timeline outlining key tasks and deadlines. Consider including the following milestones:

Packing schedule: Allocate specific timeframes for packing each room of your house, starting with non-essential items, and gradually working towards essentials.
Change of address: Update your address with relevant institutions, such as banks, utilities, and subscription services, to ensure uninterrupted service.
Utility transfers: Arrange for the transfer or setup of utilities at your new residence to coincide with your move-in date.

Purge and Declutter

Moving presents the perfect opportunity to declutter your belongings. Take the time to purge items you no longer need or use, reducing the overall volume of possessions to be transported. Consider donating gently used items to a thrift store or take the time to host a garage sale to get rid of items you no longer need.

Secure Packing Supplies

Gather all the necessary packing supplies well in advance to ensure a smooth packing process. Essential packing materials may include:

Sturdy cardboard boxes in various sizes
Bubble wrap or packing paper for cushioning fragile items
Packing tape and markers for labeling boxes
Furniture blankets or pads to protect surfaces during transportation
A hand truck to shift items

Prioritize Safety and Security

During the moving process, prioritize safety and security to safeguard both your belongings and your well-being. Consider the following precautions:

Lift heavy items with care to prevent injuries.
Secure valuable or sentimental items separately and transport them yourself if possible.
Take measures to protect your new home, such as installing locks or alarm systems.

Our Agents Can Help

Moving to a new home is a life milestone. Throughout the journey, our dedicated agents can help you with your insurance requirements. From discovering your ideal home to navigating the intricate process of relocation, our agency specializes in personalized insurance services. Reach out to one of our local agents today to help ensure a smooth transition into your new home.

The Cost of Not Having Business Insurance

Fri, 19 Apr 2024 11:00:00 GMT

Running a business comes with many risks, from property damage to legal liabilities. While some business owners may see insurance as an unnecessary expense, the cost of failing to have adequate coverage can far outweigh the premiums paid. It is essential to understand the potential consequences of operating without business insurance.

Financial Losses from Property Damage

Property damage can occur unexpectedly due to natural disasters, accidents, or vandalism. Without insurance coverage, the financial burden of repairing or replacing damaged property falls entirely on the business owner. Consider the following scenarios:

Fire Damage : A fire breaks out in your office building, destroying equipment, inventory, and furnishings. Without property insurance, you would need to cover the cost of repairs or replacements out of pocket, potentially causing significant financial strain.
Theft or Vandalism : Your storefront is burglarized, resulting in stolen merchandise and damage to your premises. Without insurance coverage, you're left to absorb the losses, impacting your bottom line and hindering your ability to recover.

Liability Claims and Legal Expenses

Businesses can face lawsuits from various parties, including customers, employees, and third parties. Defending against legal claims and covering settlement costs can be a financial disaster without liability insurance. Consider the following liability scenarios:

Customer Injury : A customer slips and falls on a wet floor in your store, sustaining injuries. Without general liability insurance, you could be held liable for medical expenses, lost wages, and pain and suffering, leading to costly legal proceedings.
Professional Errors : As a professional service provider, you make an error or omission that results in financial harm to a client. Without professional liability insurance (errors and omissions insurance), you would need to cover legal defense costs and potential settlements, jeopardizing your business's financial stability.

Business Interruption and Loss of Income

Disruptions to business operations, whether due to natural disasters, equipment breakdowns, or other unforeseen events, can result in significant financial losses. Without business interruption insurance, the financial repercussions can be severe:

Temporary Closure : A severe storm causes damage to your premises, forcing you to close your business temporarily for repairs. Without business interruption insurance, you would lose income during the closure, making it challenging to cover ongoing expenses such as rent, utilities, and payroll.
Supply Chain Disruptions : If your business relies on suppliers or vendors for essential goods or services, disruptions in the supply chain can affect your operations and revenue. Business interruption insurance can provide coverage for lost income and extra expenses incurred due to supply chain disruptions.

Protect Your Business with Insurance

The cost of not having business insurance extends beyond immediate financial losses—it can jeopardize the viability of your business and undermine years of hard work. By investing in comprehensive insurance coverage, you can mitigate risks, protect your assets, and safeguard your business's future.

Our agency can help you assess your business's insurance needs and find the right coverage to protect against potential risks. Contact your local agent today to discuss how we can help safeguard your business and ensure its long-term success. Don't let the cost of not having business insurance put your livelihood at risk – let us provide you with peace of mind.

Spring Showers: Why You Need Personal Umbrella Insurance

Tue, 16 Apr 2024 11:00:00 GMT

Personal umbrella insurance is an additional layer of liability coverage that goes beyond the limits of your standard home or auto insurance policy. It provides extra protection if you are sued for damages exceeding the limits of your primary insurance policies. Here's why you should consider adding a personal umbrella policy to your insurance portfolio:

Protection Against Liability Risks

Spring brings blooming flowers and unpredictable weather, including heavy rain and thunderstorms. These weather events increase the risk of accidents and liability claims. Personal umbrella insurance can provide coverage for various liability risks, including:

Auto Accidents : If you're involved in a car accident where you're at fault and the damages exceed your auto insurance limits, a personal umbrella policy can help cover the additional costs, such as medical expenses and property damage.
Property Damage : Accidentally causing damage to someone else's property, such as a neighbor's fence or a parked car, could lead to costly liability claims. Personal umbrella insurance can provide additional coverage beyond what your homeowner's insurance policy offers.
Personal Injury Claims : If someone is injured on your property or due to your actions, you could be held liable for their medical expenses, lost wages, and pain and suffering. A personal umbrella policy can offer increased protection against personal injury claims.

Benefits of Personal Umbrella Insurance

Adding a personal umbrella policy to your insurance coverage offers several benefits, including:

Increased Liability Coverage : Personal umbrella insurance typically provides coverage in increments of $1 million or more, significantly boosting your liability protection. This extra coverage can help safeguard your assets and future earnings in the event of a lawsuit.
Broader Coverage : Unlike standard insurance policies with specific exclusions, personal umbrella insurance offers broader coverage, filling the gaps in your existing coverage for a more comprehensive range of situations.
Peace of Mind : Knowing you have extra protection in place can give you peace of mind, especially during the unpredictable spring weather when accidents are more likely to occur. With a personal umbrella policy, you can face potential liabilities with confidence.

Why You Need Personal Umbrella Insurance

Consider these scenarios where personal umbrella insurance could prove invaluable:

Serious Auto Accident : If you cause a severe auto accident resulting in extensive injuries or fatalities, the medical expenses and legal fees could far exceed your auto insurance limits. A personal umbrella policy can help cover these expenses.
Dog Bite Liability : If your dog bites someone and the victim sues you for medical expenses and damages, a personal umbrella policy can provide additional coverage beyond what your homeowner's insurance policy offers.
Accidental Injury on Your Property : If a guest slips and falls while visiting your home, resulting in a serious injury and a lawsuit, personal umbrella insurance can help protect your assets from being at risk in a legal settlement.

Our agents can help you understand the benefits of personal umbrella insurance and find the right policy to fit your needs. Contact your local agent today to discuss how adding a personal umbrella policy can provide extra protection and peace of mind. Don't let spring showers catch you off guard – let us help you stay prepared.

A Small Business Owner's Guide to Financial Literacy

Thu, 04 Apr 2024 11:00:00 GMT

Financial literacy is the foundation of sound financial management; for small business owners, it's essential for success. With April being Financial Literacy Month, there's no better time to learn more about the fundamentals of financial literacy that every small business owner should know.

Budgeting Basics for Small Businesses

Budgeting is crucial for small businesses to manage finances and achieve their profit goals effectively. To effectively budget for your small business, consider the following:

Track Your Expenses : Keep meticulous records of all business expenses, including rent, utilities, inventory, payroll, and marketing costs. Use accounting software or apps to streamline the process and categorize expenses accurately.
Create a Cash Flow Forecast : Project your business's future cash inflows and outflows to anticipate potential cash shortages or surpluses. This will help you make informed decisions and plan for financial challenges ahead.
Set Realistic Goals : Establish short-term and long-term financial goals for your business, such as increasing revenue, reducing expenses, or expanding into new markets. Break down these goals into actionable steps and regularly monitor your progress.

Managing Business Debt Wisely

Debt can be necessary for small business growth, but it must be managed wisely to avoid financial strain. Practical strategies for managing business debt include:

Understand Your Debt Obligations : Know the terms of any loans or lines of credit your business has, including interest rates, repayment schedules, and any collateral required. Make timely payments to avoid penalties and maintain a good credit score.
Evaluate Debt vs. Equity Financing : Consider the pros and cons of debt financing (e.g., loans) versus equity financing (e.g., selling shares of ownership). Choose the option that aligns best with your business's financial needs and goals.
Prioritize Debt Repayment : If your business has multiple debts, prioritize repayment based on factors including interest rates and terms. Focus on paying off high-interest debt first to minimize overall interest costs.

Investing in Business Growth

Investing in your business is essential for long-term success and sustainability. Here are some ways small business owners can invest wisely:

Research and Development : Allocate funds for research and development to innovate and improve your products or services. Investing in R&D can give your business a competitive edge and drive growth.
Marketing and Advertising : Invest in strategic marketing and advertising campaigns to attract new customers and retain existing ones. Consider digital marketing channels such as social media, email marketing, and search engine optimization to reach your target audience effectively.
Employee Training and Development : Invest in training and development programs to upskill your employees and enhance their productivity and job satisfaction. Well-trained employees are more likely to contribute to your business's success and customer satisfaction.

Mastering Financial Literacy for Entrepreneurial Success

Financial literacy is a critical skill for small business owners to master. Small business owners can navigate financial challenges more effectively and achieve their entrepreneurial goals by understanding budgeting basics, managing debt wisely, and investing in business growth.

Our agents can help you navigate the complexities of small business finance and find solutions tailored to your unique needs. Contact your local agent today to learn how we can support your business's financial success and prosperity. Don't let financial challenges hold your business back – let us help you thrive.

Planning A Remodel? Insurance Tips to Keep in Mind

Mon, 01 Apr 2024 11:00:00 GMT

Are you considering a home remodel? Whether you're updating your kitchen, adding an extra room, or renovating your entire house, it's essential to consider how these changes can impact your insurance coverage. As April marks National Rebuilding Month, it's the perfect time for a few insurance tips for planning your next project.

Understanding Personal Insurance and Home Remodels

When it comes to home renovations, it's crucial to understand how your personal insurance coverage can be affected. Consider the following key points:

Homeowner's Insurance Coverage : Review your homeowner's insurance policy to understand what is covered before, during, and after the remodel. Ensure your policy provides adequate coverage for your home's new value post-renovation.
Liability Coverage : Liability coverage protects you in case someone is injured on your property during renovation. Ensure your policy includes enough liability coverage to mitigate potential risks associated with the remodel.
Additional Living Expenses (ALE) : During extensive renovations, you may need to relocate temporarily. ALE coverage can help cover expenses such as hotel bills, food, and transportation while your home is being remodeled.
Building Permit Coverage: Before beginning your home remodel, check with your insurance provider to ensure that your homeowner's insurance policy covers any damages or liabilities associated with obtaining building permits for the renovation. Building permits may be required for certain types of renovations, and having adequate coverage can protect you in case of unforeseen issues.
Contractor Insurance: Verify that any contractors or subcontractors hired for the remodel have their liability insurance coverage. This helps protect you from potential liability if the contractor or their workers are injured on your property during the renovation process. Always request proof of insurance from contractors before work begins to avoid complications or liabilities.

Insurance Tips for a Successful Remodel

To ensure a smooth and worry-free remodeling process, follow these insurance tips:

Notify Your Insurance Company : Inform your insurance company about your renovation plans. They can advise you on any adjustments to your policy and ensure you maintain adequate coverage throughout the project.
Work with Licensed Contractors : Hiring licensed and insured contractors reduces your liability and minimizes the risk of accidents or damages during the renovation. Request proof of insurance from any contractor you hire.
Keep Records of Expenses : Keep detailed records of all expenses related to the remodel, including receipts, invoices, and contracts. This documentation can be invaluable when filing insurance claims or proving the value of improvements to your home.
Update Your Policy : Once the remodel is complete, update your homeowner's insurance policy to reflect the changes. This ensures your home is adequately protected against any new risks or liabilities.

Ensuring Your Peace of Mind

As you embark on your home remodeling journey, don't overlook the importance of reviewing your personal insurance coverage. By understanding your policy, taking necessary precautions, and keeping open communication with your insurance provider, you can protect your investment and enjoy the benefits of your newly renovated home with peace of mind.

Our agency can help ensure you have the right insurance coverage for your home remodel. Contact your local agent today to discuss your insurance needs and get a personalized quote. Don't let uncertainties derail your renovation plans – let us help you protect your investment.

10 Time Management Techniques for Increased Productivity

Tue, 19 Mar 2024 11:00:00 GMT

In the fast-paced world we live in, effective time management is a key factor in achieving increased productivity. Here are ten specific techniques to help you optimize your time and enhance your overall efficiency.

1. Prioritize Tasks with the Eisenhower Matrix

The Eisenhower Matrix is a powerful tool for task prioritization, dividing tasks into four categories: urgent and important, important but not urgent, urgent but not important, and neither urgent nor important. This method helps you focus on high-priority tasks, minimizing time spent on less critical activities.

2. Time Blocking for Focus and Efficiency

Time blocking involves allocating specific blocks of time to different tasks or activities. This technique enhances focus and prevents multitasking, allowing you to delve deeply into one task before moving on to the next.

3. The Pomodoro Technique for Enhanced Concentration

The Pomodoro Technique divides work into intervals, traditionally 25 minutes in length, separated by short breaks. This structured approach helps maintain concentration and reduces mental fatigue, leading to increased productivity.

4. Set SMART Goals

Utilize the SMART criteria (Specific, Measurable, Achievable, Relevant, and Time-bound) when setting goals. Clearly defined and achievable goals provide a roadmap for your tasks, making it easier to stay on track and measure your progress.

5. Use the 2-Minute Rule

If a task takes two minutes or less to complete, tackle it immediately. This simple rule helps clear small, quick tasks, preventing them from accumulating and becoming overwhelming.

6. Apply the Pareto Principle (80/20 Rule)

The Pareto Principle states that 80% of results come from 20% of efforts. Identify the most impactful tasks and focus your energy on them. This principle aids in maximizing productivity by homing in on tasks with the highest returns.

7. Batch Similar Tasks Together

Grouping similar tasks together, known as task batching, streamlines your workflow. This method minimizes the mental energy required to switch between different types of tasks and promotes efficiency.

8. Implement the Getting Things Done (GTD) Method

Developed by David Allen, the GTD method emphasizes capturing and organizing all tasks, ideas, and commitments. This method ensures that nothing falls through the cracks and provides a systematic approach to task management.

9. Limit Meetings and Emails

Meetings and excessive email communication can consume a significant portion of your day. Set specific times for checking emails and limit the duration and frequency of meetings to free up time for more impactful tasks.

10. Regularly Review and Adjust Your Plan

Consistent review and adjustment of your time management strategies are crucial for ongoing effectiveness. Regularly assess your goals, priorities, and techniques to ensure they align with your current workload and objectives.

Mastering Your Time

Empower yourself with effective time management techniques. Partner with our experienced agents who are dedicated to providing personalized solutions tailored to your unique needs. As you embark on the journey to enhance your time management and productivity, our agents are here to support you. Whether you’re looking for personalized strategies or seeking advice on balancing work and personal commitments, our agency is committed to helping you achieve your goals.

How Does Your Credit Score Affect Auto Insurance Rates?

Sat, 16 Mar 2024 11:00:00 GMT

As we observe National Credit Education Month, it’s crucial to delve into the various aspects of our lives influenced by credit scores. One often overlooked area is how credit scores can impact auto insurance rates. Understanding this connection is essential for informed decision-making and financial planning.

The Link Between Credit Scores and Auto Insurance Rates

Your credit score serves as a key factor for insurance companies when determining your auto insurance rates. Most U.S. insurance companies use credit-based insurance scores along with your driving history, claims history, and various other factors to establish eligibility for payment plans and to help determine insurance rates (except in California, Hawaii, and Massachusetts).

Risk Assessment: Insurers use credit scores as part of their risk assessment process. Studies have shown a correlation between credit scores and the likelihood of filing insurance claims.
Credit-Based Insurance Score: This score, derived from your credit history, helps predict the likelihood of future insurance losses. According to the III, if you have a better credit-based insurance score, an excellent driving history, and zero claims on your record, you’ll typically qualify for lower rates.

Factors Considered in Credit-Based Insurance Scores

Several factors contribute to the calculation of credit-based insurance scores. It’s essential to be aware of these elements that can influence your auto insurance rates:

Payment History: Timely payments on credit accounts positively impact your credit-based insurance score.
Credit Utilization: The ratio of your credit card balances to credit limits is a significant factor. Low credit utilization is favorable for insurance rates.
Credit History Length: A longer credit history can contribute positively to your insurance score.
Types of Credit in Use: A mix of credit types, such as credit cards and installment loans, can be beneficial for your score.
New Credit: Opening several new credit accounts in a short period may negatively impact your credit-based insurance score.

Why Do Insurers Use Credit Scores?

Research shows that credit-based insurance scores can accurately predict insurance loss potential. Statistical analysis reveals that those with worse insurance scores are more likely to file a claim. Those with better credit scores tend to get into fewer accidents and cost insurance companies less than their worse-scoring counterparts.

The Two Types of Credit Inquiries

The Consumer Financial Protection Bureau (CFPB) distinguishes between two types of credit inquiries:

Hard Inquiries: These occur when you apply for credit and may affect your credit-based insurance score.
Soft Inquiries: When you review your credit report or lenders for pre-screening, it is noted as a soft inquiry and does not affect your credit-based insurance score.

Factors That May Influence Your Score

Favorable factors include a long-established credit history, no late payments, and open accounts in good standing. Unfavorable factors encompass past-due payments, accounts in collection, a high amount of debt compared to available credit, a short credit history, and a high number of credit inquiries.

Your Consumer Rights

The Fair Credit Reporting Act (FCRA) grants you the right to obtain your credit report for free. If you notice inaccurate information, you have the right to contest it and correct your credit history. Insurance companies cannot adjust your credit report but will recalculate your credit-based insurance score if the information is corrected.

Credit Inquiries and Identity Theft

Monitoring inquiries is crucial to guard against identity theft. The FTC recommends reviewing credit reports from the main credit bureaus annually. Unrecognized hard inquiries may not necessarily indicate identity theft, but if you suspect it, take immediate action:

Put a fraud alert on your credit report.
Contact businesses related to suspicious inquiries or affected accounts.
Submit an identity theft affidavit to the FTC and file a police report.

Unlock Savings with Your Local Agent

Navigating the relationship between credit scores and auto insurance rates can be complex. Our agents are here to help you understand how your credit score influences your insurance premiums. Whether you’re looking to improve your credit or explore insurance options, our agency is committed to assisting you.

Take control of your financial well-being and auto insurance rates by partnering with our experienced agents. We’re ready to guide you through the intricacies of credit-based insurance scores and help you secure the best coverage for your needs.

Cybersecurity Tips for a Safe Digital Experience

Mon, 04 Mar 2024 11:00:00 GMT

In today’s digital age, where technology plays a central role in our daily lives, ensuring cybersecurity is more important than ever. Safeguarding your online presence requires you to be proactive and have a vigilant mindset. Explore the following cybersecurity tips to enhance your digital safety.

Regularly Update Your Software

Keeping your software up to date is a fundamental step in fortifying your digital defenses. Software updates often include security patches that address vulnerabilities. Set your devices and applications to update automatically or check for updates regularly.

Operating Systems: Ensure your computer, smartphone, and other devices have the latest operating system updates.
Antivirus Software: Keep your antivirus and anti-malware software updated to guard against evolving threats.

Use Strong and Unique Passwords

Creating strong and unique passwords is a simple yet effective way to bolster your cybersecurity. Passwords are your first line of defense against unauthorized access. Follow these guidelines for creating robust passwords:

Combine uppercase and lowercase letters, numbers, and symbols.
Avoid easily guessable information, such as birthdays or names.
Use a unique password for each online account.

Enable Two-Factor Authentication (2FA)

Adding an additional layer of security to your accounts is always a good idea. Two-factor authentication (2FA) does exactly that by requiring users to provide a second verification step along with their password. This could include receiving a code on your mobile device or email. Therefore, it is highly recommended that you enable 2FA on all your email, social media, and financial accounts. Many online services and platforms offer 2FA as an optional security feature, so be sure to check if it is available for the accounts you use.

Be Cautious with Email Phishing

Phishing emails remain a prevalent method for cyberattacks. Cybercriminals often use deceptive emails to trick individuals into divulging sensitive information. Be cautious and follow these guidelines:

Avoid clicking on suspicious links or downloading attachments from unknown senders.
Verify the legitimacy of emails, especially those requesting personal or financial information.
Use email filters to catch potential phishing attempts.

Secure Your Wi-Fi Network

Having a secure Wi-Fi network is crucial to safeguard your home and personal devices. To improve your Wi-Fi security, you should choose a strong and unique password for your Wi-Fi network and enable WPA3 encryption for advanced security measures. Additionally, it’s important to keep your router’s firmware updated on a regular basis.

Regularly Back Up Your Data

Data loss can happen for several reasons, such as hardware failures, cyberattacks, or accidental deletion. Regularly backing up your data helps you recover important information in case of an incident. To ensure this, you can schedule automated backups for your devices and store backups in a secure location like an external hard drive or a cloud service.

Educate Yourself About Social Engineering

Social engineering is a method of manipulating individuals to extract confidential information from them. To avoid falling victim to a cyber attack, it’s essential to stay informed and vigilant about common social engineering tactics.

Be cautious of any unsolicited requests for your personal or financial information. These could come in the form of phone calls, emails, or text messages, among others. Always take the time to verify the source of the request before sharing any sensitive details.

Make sure to verify the identity of individuals or organizations before sharing any confidential information. This can be done by checking their credentials or contacting them directly to confirm their identity. By taking these precautions, you can help protect yourself from social engineering attacks and keep your information safe.

Connect with Your Local Agent

As you prioritize your cybersecurity, remember that our agents are here to help. Whether you have questions about cybersecurity insurance coverage or need guidance on protecting your digital assets, our agency is dedicated to ensuring your peace of mind. Empower yourself with the knowledge and tools to navigate the digital landscape securely. Partner with our experienced agents who are committed to providing personalized cybersecurity solutions.

Insurance: Your Spring Break Safety Net

Sat, 02 Mar 2024 11:00:00 GMT

Protect Your Adventure with Travel Insurance

As the much-anticipated spring break approaches, many of us are gearing up for a trip or memorable adventure. Whether you are planning a beach retreat, a hiking expedition, or an international escapade, it’s crucial to consider the importance of insurance in safeguarding your spring break experience.

Travel insurance offers a wide array of services for various unforeseen incidences
It typically includes coverage for trip cancellations, delays, lost luggage, and even emergency medical expenses.
Before purchasing travel insurance, carefully review the policy to understand the specific coverage it offers.

Securing Your Residence with Homeowners Insurance

While you embark on your spring break journey, don’t forget to ensure the security of your home through homeowners insurance.

Homeowners insurance protects against losses or damages to your property, including theft and vandalism.
Some policies may offer additional coverage for personal belongings that you take with you on your trip.
Make sure your policy is up-to-date and covers the duration of your absence.

Auto Insurance: A Must for Road Trips

For those planning road trips during spring break, auto insurance becomes a paramount consideration. Safeguarding your vehicle and ensuring your peace of mind on the road is crucial.

Verify that your auto insurance policy is current and provides coverage for the specific journey you are planning.
Roadside assistance coverage can be particularly beneficial during road trips, offering support for unexpected vehicle breakdowns.
Familiarize yourself with the details of your coverage, including deductibles and limits.

Prioritizing Your Well-Being with Health Insurance

Your health should always be a top priority, even when on vacation. Having adequate health insurance coverage ensures that you are prepared for unforeseen medical circumstances.

Confirm that your health insurance plan extends coverage to the destination of your spring break trip.
Consider supplemental travel health insurance for added protection, especially for international travel.
Keep a copy of your insurance card and any relevant contact information in case of emergencies.

General Tips for a Secure Spring Break

In addition to specific insurance considerations, here are some general tips to enhance your safety during spring break:

Inform a trusted friend or family member about your travel plans and provide them with emergency contacts.
Keep important documents, such as insurance policies, identification, and medical information, organized and easily accessible.
Be mindful of any travel advisories or health alerts related to your destination.

Spring into Safety

As you gear up for your spring break adventure, remember that our agents are here to help. Whether you have questions about your existing policies or need assistance in acquiring additional coverage, our agency is dedicated to ensuring your peace of mind. Reach out to us to discuss your specific needs and make the most of your travel plans.

Explore your spring break with confidence, knowing that you have taken the necessary steps to secure your journey. Our experienced agents are committed to making your spring break a worry-free experience tailored to your unique requirements. Prioritize your safety and well-being by partnering with us for comprehensive insurance solutions.

What Type of Insurance Do You Need to Run a Business?

Mon, 19 Feb 2024 11:00:00 GMT

Running a business comes with its own set of risks, and having the right insurance coverage is crucial to protect your venture. A Business Owners Policy (BOP) could be a suitable alternative for entrepreneurs. Let's explore the types of insurance necessary for running a business and how a BOP can bundle essential coverage.

Understanding the Essentials: Types of Business Insurance

Ensuring the longevity and success of your business involves more than just day-to-day operations; it requires a robust risk management strategy. These coverages not only shield your enterprise from various risks but also provide a safety net in times of unforeseen challenges:

General Liability Insurance: This insurance policy protects your business by covering claims related to bodily injury, property damage, and personal injury. Additionally, the policy covers legal costs and settlements in the event that your business is sued.
Property Insurance: Businesses can face risks like damage or loss of physical assets due to events like fire, theft, or natural disasters. Insurance coverage can help protect and provide financial assistance in case of unforeseen events, ensuring businesses can recover and continue operations smoothly.
Business Interruption Insurance: This insurance policy provides coverage for lost income and operating expenses that your business might incur if it is temporarily unable to operate due to a covered event. It helps maintain financial stability during disruptions by covering the costs of operating expenses that your business would normally incur, such as rent, utilities, and payroll, while it is not operational.
Commercial Auto Insurance: Businesses with company-owned vehicles should have insurance coverage to protect against damages and liabilities in case of accidents. It provides protection against physical damage and bodily injury and helps avoid financial losses and legal consequences.
Workers' Compensation: In many states, having workers' compensation insurance is mandatory. This type of insurance is designed to cover medical expenses and lost wages for employees who are injured on the job. By providing this coverage, businesses can protect themselves from potential lawsuits related to workplace injuries.
Professional Liability Insurance: Errors and omissions insurance, also known as professional liability insurance, offers protection against claims of professional negligence or inadequate work. This type of insurance is especially crucial for service-based businesses, as it helps to mitigate the risks associated with providing professional services to clients.
Cyber Liability Insurance: It is critical in the digital age to safeguard against cyber threats. One way to do this is by covering expenses related to a data breach. This coverage includes notification costs, legal fees, and credit monitoring for affected individuals.

Bundling Essentials with a Business Owners Policy (BOP)

A Business Owners Policy (BOP) is a comprehensive insurance solution that combines several essential coverages into one policy. This customized package typically includes protection against third-party claims for bodily injury, property damage, and more through General Liability Insurance.

Additionally, it covers your business property, including buildings, equipment, and inventory, through Property Insurance. Lastly, Business Interruption Insurance safeguards against income loss during periods of business interruption. With a BOP, you can have peace of mind knowing that your business is protected against a range of potential risks.

BOPs are customizable, allowing you to add specific coverages based on your business needs. This comprehensive approach simplifies insurance management and often results in cost savings compared to purchasing individual policies.

Supporting Your Business

Navigating the complexities of business insurance can be overwhelming, but our agents are here to help. Whether you're considering a Business Owners Policy (BOP) or need guidance on specific coverages, our agency is dedicated to tailoring solutions that suit your business requirements. Call your local agent today to ensure your business is adequately protected, providing you with the peace of mind to focus on your entrepreneurial journey.

Navigate Winter Roads with Peace of Mind

Fri, 02 Feb 2024 11:00:00 GMT

Marks another season of winter, bringing not only beautiful landscapes of snow but also hazardous conditions on the roads.. Icy, snow-covered roads pose a significant threat to drivers and their passengers, increasing the risk of accidents and vehicle damage. Falling ice, hail, and heavy snow can wreak havoc on your car, leading to unexpected expenses.

Car Insurance: Your Winter Shield

In the face of winter's challenges, having comprehensive car insurance is critical. This isn't just a legal requirement; it's a safety net that shields your vehicle from the perils that come with the season. Here's how car insurance can be your winter savior:

Accidents on Icy Roads: Icy roads amplify the chances of accidents. Your exceptional driving skills may not be enough to avoid a collision on a slippery surface. Car insurance covers the damages resulting from accidents, ensuring you're not burdened with repair costs.
Falling Ice and Snow: Winter storms can dislodge ice chunks and heavy snow, causing substantial damage to your vehicle. Comprehensive insurance covers these damages, sparing you from bearing the financial brunt of nature's unpredictability.
Black Ice: Black ice is a dangerous thin layer of ice on the road that can cause accidents. Collision coverage can help with repair or replacement costs, while medical payments coverage can cover medical expenses for injuries resulting from black ice accidents.
Blizzards and Whiteout Conditions: Blizzards can lead to dangerous driving conditions, reduced visibility, and snow-related damages to your vehicle. Comprehensive coverage can protect against these non-collision events, while emergency roadside assistance can offer support during severe winter weather.

Types of Coverage to Consider

Understanding the specific coverage types within your insurance policy is crucial for winter preparedness. Consider the following options:

Collision Coverage: Even if you are a careful driver, it is not always possible to avoid accidents, especially when the road conditions are challenging. That's why collision coverage is important to protect your vehicle from damages resulting from such incidents.
Comprehensive Coverage: Non-collision event coverage is essential for safeguarding your vehicle during winter. It offers protection against falling ice, tree branches, hail, and other diverse threats that can cause damage to your vehicle.
Rental Reimbursement Coverage: Winter weather can lead to accidents, and your vehicle may need repairs. Rental reimbursement coverage helps cover the cost of renting a temporary replacement vehicle while yours is in the shop, ensuring you stay mobile during the winter season.
Roadside Assistance: Winter conditions can increase the likelihood of breakdowns. Roadside assistance coverage provides support in emergencies, such as towing, jump-starts, and tire changes, ensuring you're not left stranded in the cold.

Avoiding Winter Coverage Gaps

To ensure there are no gaps in your insurance policy, you should check your deductibles and policy limits. While higher deductibles mean lower premiums, ensure you can afford the out-of-pocket expenses if you make a claim. Also, understand the maximum amount the insurance company will pay for a covered claim and adjust these limits based on your vehicle's value and potential repair costs.

Our Agency Can Help You Stay Winter-Ready

As winter tightens its grip, ensuring your car insurance is robust becomes non-negotiable. Our agents are here to guide you through the intricacies of winter coverage, offering personalized advice based on your needs. Whether it's adjusting your deductibles, exploring additional coverage options, or simply providing peace of mind, our agency is dedicated to keeping you protected during the winter months. Call your local agent today and drive with confidence through the frosty landscapes.

The Keys to Launching a Successful Side Gig

Fri, 19 Jan 2024 11:00:00 GMT

In a world that thrives on versatility and innovation, launching a side gig has become a popular and rewarding pursuit for many individuals. Whether you’re aiming to supplement your income or turn a passion into profit, starting a side hustle requires careful consideration and strategic planning. Consider the following factors for launching a successful side gig, offering ideas for various ventures, and addressing essential considerations, including the importance of insurance.

1. Identify Your Passion and Skills

The foundation of a successful side gig lies in aligning your venture with your passions and skills. Consider what you genuinely enjoy doing and where your expertise lies. This will not only make the journey more fulfilling but also increase your chances of long-term success.

2. Explore Different Side Hustle Ideas

The possibilities for side hustles are vast. From freelancing and consulting to selling handmade crafts or offering online courses, explore diverse ideas that resonate with your interests. Consider the market demand and potential profitability of each option.

3. Research and Plan

Thorough research is crucial before diving into any side gig. Understand your target audience, analyze your competition, and develop a solid business plan. A well-thought-out plan serves as a roadmap, guiding your efforts and increasing the likelihood of success.

4. Consider the Need for Insurance

Depending on the nature of your side gig, insurance may be a critical consideration. For example, if your side hustle involves providing services or products to clients, liability insurance can protect you in case of unforeseen issues. Consult with an insurance professional to determine the appropriate coverage for your specific venture.

5. Understand Legal and Regulatory Requirements

Ensure that you’re aware of any legal and regulatory requirements related to your side gig. This may include obtaining necessary licenses, registering your business, and complying with tax regulations. Staying informed and compliant from the outset can save you from potential complications down the road.

6. Create a Strong Online Presence

In today’s digital age, establishing an online presence is key to reaching a broader audience. Create a professional website, leverage social media platforms, and utilize digital marketing strategies to showcase your side gig and attract potential customers.

7. Set Realistic Goals and Milestones

Set clear and achievable goals for your side gig. Break them down into smaller milestones to track your progress. Realistic goals provide motivation and help you stay focused on the incremental steps needed to build a successful venture.

8. Manage Your Time Effectively

Balancing a side gig with your regular commitments requires effective time management. Create a schedule that allows you to dedicate focused time to your side hustle without compromising your primary responsibilities.

9. Network and Collaborate

Networking is a powerful tool for growing your side gig. Attend industry events, join online communities, and collaborate with other entrepreneurs. Building a network can open up opportunities for partnerships, collaborations, and valuable insights.

10. Evaluate and Adapt

Regularly evaluate the performance of your side gig. Analyze what’s working well and where improvements can be made. Adapt to changing market conditions, customer feedback, and emerging trends to keep your side hustle dynamic and resilient.

Launching a successful side gig requires a combination of passion, strategic planning, and a willingness to adapt. While you pursue your side gig opportunities, don’t overlook the importance of insurance in safeguarding your efforts. Contact our local agents to discuss insurance options tailored to your side gig, providing you with the peace of mind to focus on turning your passion into a thriving venture. Remember, with the right keys in hand, your side gig can be a fulfilling and lucrative addition to your professional journey.

Top 10 Travel Tips and Destinations in 2024

Tue, 16 Jan 2024 11:00:00 GMT

As the new year unfolds, the anticipation of exploring new destinations and creating lasting memories beckons. Whether you’re an avid solo traveler seeking self-discovery or someone who enjoys the camaraderie of group adventures, 2024 holds exciting possibilities. Here’s a carefully curated guide featuring top travel tips and destinations to inspire your wanderlust:

1. Enjoy Solo Travel

Solo travel offers you unparalleled freedom. Choose destinations with a welcoming culture for solo explorers, ensuring safety and opportunities for meaningful connections.

2. Explore Group Travel

Choose destinations with diverse activities to cater to different interests, fostering shared experiences and creating cherished memories.

3. Sustainable Travel Choices

Choose eco-conscious choices in accommodations, support local businesses, and choose sustainable transportation options. Make mindful decisions that contribute to preserving the environment for future generations.

4. Immerse Yourself in Nature

Nature-focused destinations provide a retreat from the hustle and bustle. National parks, nature reserves, and tranquil beaches offer opportunities to disconnect from technology and reconnect with the beauty of the natural world.

5. Discover Cultural Hotspots

Explore cities known for their cultural richness. Immerse yourself in museums, historical sites, and local festivities, gaining insight into the heritage and vibrancy of different cultures.

6. Culinary Adventures

Indulge in culinary experiences by choosing destinations celebrated for their diverse gastronomy. Dive into street food scenes, attend local food festivals, and participate in cooking classes to bring the tastes of your travels home.

7. Embrace Slow Travel

Slow travel encourages a deeper connection with a destination. Spend more time in fewer places, allowing for an authentic understanding of local life. It’s a mindful approach that prioritizes quality experiences over a rushed itinerary.

8. Tech-Enhanced Travel

Utilize technology to enhance your journey. From navigation apps and language translation tools to virtual postcards, technology enriches your travel experience and keeps you connected with loved ones.

9. Multimodal Transportation

Embrace a mix of transportation modes for a dynamic journey. Incorporate trains, buses, bicycles, and walking to explore destinations from various perspectives, adding richness to your travel narrative.

10. Prioritize Travel Insurance

Safeguard your travels with comprehensive travel insurance. From unforeseen cancellations to medical emergencies, travel insurance ensures peace of mind, allowing you to explore the world confidently, knowing you’re protected on your adventures.

Bon Voyage!

As you plan your travel escapades for 2024, let these tips and destination suggestions serve as a compass for a diverse range of experiences. The key to worry-free travel is thorough preparation, and investing in reliable travel insurance is the final touch that guarantees you can traverse the globe with confidence, regardless of where your wanderlust takes you.

Ready to embark on your adventure? Contact your local agents for personalized insights on travel insurance and ensure your journeys are not only memorable but also secure.

How to Master Professional Networking & Relationship Building

Thu, 04 Jan 2024 11:00:00 GMT

In the dynamic world of entrepreneurship, mastering the art of networking and relationship building is a key ingredient for success. Beyond expanding your business connections, effective networking can also extend to crucial partnerships, including the one you build with your independent insurance agent. To foster your networking skills, explore these valuable networking tips tailored for entrepreneurs and new business owners, emphasizing the importance of fostering a strong relationship with your insurance partner for comprehensive coverage and optimal rates.

1. Start with a Clear Objective

Approach networking with a clear objective in mind. Whether it’s seeking potential clients, collaborators, or mentors, having a defined goal will guide your interactions and help you make meaningful connections.

2. Attend Industry Events

Participate in industry-related events, conferences, and meet-ups. These gatherings provide a fertile ground for meeting like-minded professionals, staying updated on industry trends, and discovering potential opportunities for collaboration.

3. Leverage Online Platforms

In the digital age, online platforms are powerful tools for networking. Utilize professional networking sites like LinkedIn to connect with industry peers, join relevant groups, and participate in discussions to showcase your expertise.

4. Be Genuine and Authentic

Building authentic relationships is fundamental. Be genuine in your interactions, show interest in others, and focus on building meaningful connections rather than simply collecting business cards.

5. Follow Up and Stay Connected

After networking events, follow up with your new contacts. Send personalized emails expressing your pleasure in meeting them and explore opportunities to stay connected through regular check-ins or shared industry updates.

6. Cultivate Relationships with Industry Leaders

Establishing connections with industry leaders can provide valuable insights and mentorship. Attend workshops or seminars led by experts, and don’t hesitate to reach out for guidance. A mentorship relationship can be a game-changer for your entrepreneurial journey.

7. Prioritize Your Relationship with Your Independent Insurance Agent

In the realm of business protection, your relationship with your independent insurance agent is paramount. Regular check-ins with your agent ensure that your business is adequately covered and that you’re benefiting from the best rates for your insurance needs. Use these sessions to review your policies, discuss any changes in your business, and explore ways to optimize your coverage.

8. Communicate Your Business Needs Clearly

Effective communication is key to a successful partnership with your insurance agent. Clearly communicate your business’s evolving needs, any changes in operations, or new ventures on the horizon. This ensures that your insurance coverage remains aligned with the dynamics of your business.

9. Stay Informed About Policy Updates

Insurance policies can undergo updates and changes. Stay informed about any modifications to your policies and understand how these changes may impact your coverage. Your independent insurance agent is a valuable resource for clarifying any questions you may have.

10. Maximize Your Insurance Coverage for Peace of Mind

As an entrepreneur, your business is your pride and joy. Maximize your insurance coverage to protect it comprehensively. Your independent insurance agent can guide you in tailoring your coverage to suit your unique business needs, providing peace of mind in the face of unforeseen challenges.

Ultimately, mastering professional networking is an ongoing journey that reaps long-term benefits for your business. As you navigate the entrepreneurial landscape, remember that your local insurance agent is not just a service provider but also a strategic partner invested in your business’s protection and success.

Give us a call today to ensure that your insurance coverage is not only robust but also tailored to the unique needs of your growing business. Building a strong network extends beyond colleagues; it includes having trusted partners who are as committed to your success as you are.

Incorporating Healthy Habits into Your Daily Routine

Tue, 02 Jan 2024 11:00:00 GMT

As the New Year unfolds, many of us find ourselves inspired to make positive changes in our lives. Whether it’s setting new goals or resolutions, there’s a shared desire to embrace habits that contribute to our overall well-being. This year, consider incorporating healthy habits into your daily routine to achieve a happier and healthier version of yourself.

Seize the Fresh Start

The beginning of the year offers a symbolic fresh start—a chance to redefine your routine and set the tone for the months ahead. Embrace this opportunity to assess your current habits and introduce positive changes that align with your wellness goals.

Lunchtime Walks for Physical and Mental Well-being

One simple yet effective habit is incorporating brisk walks into your lunch break. Use this time to step away from your desk, soak in some natural sunlight, and get your body moving. Not only does this contribute to your physical health, but it also refreshes your mind, enhancing productivity and reducing stress.

Prioritize Preventative Wellness Checks

Taking care of your health proactively is a key aspect of a well-rounded routine. Schedule regular wellness checks to monitor your health status and catch potential issues early. Prevention is often more manageable and less stressful than dealing with health issues after they’ve escalated.

Nourish Your Body with Healthy Eating

Fueling your body with nutritious foods is a habit that pays dividends in the long run. Consider incorporating more fruits, vegetables, and whole grains into your meals. Experiment with new recipes and find a balance that works for your taste buds and nutritional needs.

Cultivate Accountability Partnerships

Embarking on a wellness journey is often more enjoyable and sustainable when you have a support system. Consider teaming up with a friend, family member, or colleague who shares similar health goals. Having an accountability partner not only keeps you motivated but it also provides mutual encouragement and celebrates your successes together.

Establish a Consistent Sleep Routine

Quality sleep is a cornerstone of good health. Aim for a consistent sleep schedule by going to bed and waking up at the same time each day. Create a calming bedtime routine, limit screen time before sleep, and ensure your sleep environment is conducive to rest.

Hydration for Overall Wellness

Don’t underestimate the power of staying hydrated. Make a habit of carrying a reusable water bottle with you throughout the day. Proper hydration supports various bodily functions, from digestion to cognitive performance.

Incorporating healthy habits into your daily routine is a journey rather than a destination. It’s about making sustainable choices that contribute to your overall well-being. As you embrace these habits, remember that progress is more important than perfection. Celebrate the small victories, stay resilient through challenges, and enjoy the positive impact on your health and happiness.

Consider reaching out to our local agents for insights on how insurance can play a role in supporting your wellness goals. From health coverage to life insurance, we’re here to help you protect what matters most as you embrace a healthier and happier lifestyle in the coming year. Give us a call today for more information on how we can help you protect what matters most in your life.

10 Steps to Successfully Kickstart Your Business!

Tue, 19 Dec 2023 11:00:00 GMT

Starting your own business can be an exciting and rewarding venture. However, navigating the early stages with precision and care is essential. To help guide you, we’ve outlined ten critical steps to ensure your business takes off on the right foot.

1. Find the Perfect Opportunity: Determine Your Business Concept

The first step in launching your business is to find the right opportunity and determine your business concept. What products or services will you offer, and who is your target audience? Define your business idea clearly to set the foundation for success.

2. Thorough Market and Competitor Research

Before diving in, conduct comprehensive research on your competitors and market. Understand your industry, analyze your competitors’ strengths and weaknesses, and identify opportunities for your business. This knowledge will help you make informed decisions and gain a competitive edge.

3. Obtain an Employer Identification Number (EIN)

An Employer Identification Number (EIN) is a must for tax purposes and hiring employees. You can apply for an EIN through the IRS, and it’s a crucial step in establishing your business’s legal identity.

4. Create a Solid Business Plan

Developing a well-structured business plan is essential. It acts as your roadmap, detailing your business goals, strategies, financial projections, and marketing plans. A comprehensive business plan will also be instrumental in securing financing.

5. Determine Your Break-Even Point

Identify your business’s break-even point - the moment when your revenue equals your expenses. Understanding this milestone is crucial for financial planning, as it helps you set pricing sales targets and track your progress toward profitability.

6. Register Your Business

To operate legally, you need to register your business. This process includes selecting a business structure (such as sole proprietorship, LLC, or corporation) and registering your business name. Each structure has its implications for taxes, liability, and other legal considerations.

7. Secure Funding

Determine how you’ll finance your business. Options include personal savings, loans, grants, or seeking investors. The right funding source depends on your business’s size and needs. Carefully evaluate your financial options and select the one that best aligns with your goals.

8. Develop a Strong Online Presence

In today’s digital age, establishing an online presence is vital. Create a professional website, set up social media profiles, and implement digital marketing strategies. A strong online presence will help you reach a broader audience and attract potential customers.

9. Build a Reliable Team

As your business grows, you may need to hire employees. Select a team with the skills and dedication necessary to achieve your business goals. A strong team is an invaluable asset in building and expanding your business.

10. Legal and Regulatory Compliance

Understand the legal and regulatory requirements that apply to your business. This includes licenses, permits, taxes, and compliance with employment laws. Staying compliant is essential to avoid legal issues and fines.

Starting a business is a journey that requires careful planning and execution. These ten steps will help you launch your business successfully and pave the way for long-term growth. Remember that our local agents are here to assist you with insurance and risk management, ensuring your business is protected from potential setbacks.

A Guide to Protecting Your Precious Holiday Gifts

Sat, 16 Dec 2023 11:00:00 GMT

The holiday season is a time of giving, and many of us enjoy showering our loved ones with special and often valuable gifts. These gifts carry sentimental and financial value, whether it’s expensive jewelry, collectibles, vintage items, or custom-made treasures. However, many people may not realize that their standard homeowner’s insurance policy may not provide sufficient coverage for these valuable items. That’s where valuable items insurance comes into play.

The Value of Your Holiday Gifts

As you exchange gifts during the holiday season, you may find yourself in possession of valuable items that go beyond the typical contents of your home. These may include:

Jewelry: Precious gemstones and metals in the form of necklaces, rings, watches, and more.
Collectibles: Valuable collections of coins, stamps, vintage toys, or sports memorabilia.
Antiques: Historical or vintage items that are unique and highly valuable.
Custom Items: Custom-made jewelry, artwork, or other personalized pieces.

While these gifts are undoubtedly cherished, their high value may not be adequately protected by your standard homeowner’s insurance policy.

The Limitations of Homeowner’s Insurance

Most homeowner’s insurance policies provide coverage for personal property, but they come with limitations. Typically, these policies have sub-limits for specific categories of items like jewelry or collectibles. These sub-limits mean that if your valuable gifts are lost, stolen, or damaged, you may receive only a fraction of their actual value, which can be a significant financial loss.

Valuable Items Insurance

To ensure your precious holiday gifts are fully protected, consider valuable items insurance, also known as scheduled personal property coverage. This type of insurance allows you to specifically list and insure individual items or collections at their full appraised or agreed-upon value.

Valuable items insurance offers several key benefits:

Higher Coverage Limits: Unlike standard homeowner’s insurance, valuable items insurance doesn’t have sub-limits. This means you can get coverage that matches the full value of your precious items.
Specialized Protection: Valuable items insurance is designed to address the unique needs of high-value items, including coverage for loss, theft, damage, and even mysterious disappearance.
Agreed Value: You and the insurer agree on the item’s value when setting up the policy, ensuring you receive the agreed amount in the event of a covered loss.
Worldwide Coverage: Many policies offer protection no matter where the loss occurs, whether at home or while traveling.

How to Protect Your Precious Gifts

To ensure the security of your precious holiday gifts:

Document Your Gifts: Keep records of the items you receive, including appraisals, receipts, and photographs.
Contact Your Insurance Agent: Discuss your valuable items with your insurance agent to determine if you need additional coverage.
Get Appraisals: Have high-value items appraised by a professional to determine their accurate value.
Consider Security Measures: Invest in security measures like safes and alarm systems to protect your valuable gifts.

By taking these steps and securing valuable items insurance, you can have peace of mind knowing that your precious holiday gifts are fully protected. Don’t let the joy of gift-giving turn into financial stress. Discuss your specific needs with our local agents to find the best coverage for your cherished holiday gifts. Wishing you a joyous and worry-free holiday season!

Holiday Safety Tips for Your Pets

Fri, 01 Dec 2023 11:00:00 GMT

The holiday season is a time of joy and celebration, and as pet owners, it’s essential to ensure that our furry friends stay safe and happy during this festive period. With a few precautions and some awareness, you can also ensure your pets have a great holiday season. Here are ten safety tips to keep in mind:

Avoid Small Christmas Decorations: Small ornaments, tinsel, and other decorations can be tempting for pets to play with or chew on. Ensure you place them out of reach to prevent ingestion or choking hazards.
Protect Electrical Cords and Wiring: Keep an eye on electrical cords and wires, which may be more accessible with holiday decorations in place. Use protective coverings to prevent pets from chewing on them, which could lead to electrical shocks.
Avoid Holiday Foods That Are Toxic to Animals: Many holiday foods are harmful to pets, including chocolate, grapes, raisins, and certain nuts. Keep these items away from your pets and tell guests not to feed them these treats.
Christmas Trees and Pets: Secure your tree to prevent pets from toppling it. Keep ornaments and lights higher up on the tree to avoid pets playing with them or knocking them down.
Candles and Open Flames: Be cautious with lit candles and open flames, which can be a fire hazard if knocked over by curious pets. Consider using flameless candles as a safer alternative.
Holiday Plants: Some common holiday plants like poinsettias, mistletoe, and holly can be toxic to pets if ingested. Keep them out of reach or consider artificial alternatives.
Visitors and Excitement: When hosting guests, your home can become busier and noisier. Some pets may get anxious or overwhelmed. Provide a quiet space where your pets can retreat to if they need a break.
Gift Wrap and Ribbons: Dispose of gift wrap and ribbons properly, as pets may be attracted to the texture and chew on them, which can be harmful if ingested.
Keep an Eye on Food Scraps: Pets may be drawn to the kitchen during meal preparations. Be cautious not to drop any food scraps that could be harmful to them.
Update ID and Microchips: Ensure your pet’s ID tags and microchip information are up-to-date before the holiday rush. This provides an added layer of protection if they get lost.

Remember that the holidays can be a source of stress for some pets, with changes in routine and increased activity. Keep an eye on their behavior, and if you notice any signs of stress or illness, consult your veterinarian. With these safety tips in mind, you can enjoy a festive holiday season with your beloved pets, knowing they are well-protected and happy.

If you’re looking for ways to keep your furry friends safe and happy during the holiday season, don’t hesitate to get in touch with our local agents. They’re always happy to share their knowledge and provide helpful resources. We wish you and your furry companions a joyful and safe holiday season!

How to Turn Small Business Saturday into Big Opportunities

Sun, 19 Nov 2023 11:00:00 GMT

Small Business Saturday is just around the corner, and it’s the perfect time to celebrate and support local businesses. This annual event, which falls on the Saturday after Thanksgiving, encourages consumers to shop locally and discover the unique offerings of small businesses in their communities. As we approach this special day dedicated to small enterprises, we also want to help you seize the opportunities the day presents. In light of Small Business Saturday, here are some tips on making the most of this day while safeguarding your business with the right insurance coverage.

1. Prepare a Special Promotion.

Entice customers by offering special promotions, discounts, or exclusive deals for Small Business Saturday. Create a sense of excitement that encourages shoppers to choose your business over larger retailers.

2. Decorate and Showcase Your Business.

Dress up your storefront with festive decorations and eye-catching displays. Make your business a welcoming and visually appealing destination to attract foot traffic.

3. Leverage Social Media.

Promote your Small Business Saturday offers and events on social media platforms. Use hashtags like #ShopSmall and #SmallBusinessSaturday to join the online conversation and reach a broader audience.

4. Collaborate with Other Local Businesses.

Consider partnering with nearby businesses to cross-promote each other. Collaborative efforts can help draw more customers to the local area.

5. Offer Personalized Service.

What sets small businesses apart is their ability to provide personalized and attentive service. Ensure your staff is knowledgeable and ready to assist customers with their needs.

6. Plan for Crowds.

Expect an influx of customers, so have a plan to manage the increased foot traffic efficiently. Ensure that your store layout is customer-friendly and that checkout lines move swiftly.

7. Collect Customer Information.

Use the opportunity to collect customer information, such as email addresses, to build your customer database. You can use this information for future marketing efforts.

8. Safety and Security.

With increased activity, it’s vital to prioritize safety and security. Ensure your premises are well-lit, and consider having security personnel or surveillance in place.

9. Evaluate Your Insurance Coverage.

While you prepare for a successful Small Business Saturday, don’t forget to review your business insurance. Ensure you have adequate coverage to protect your business from unexpected events like accidents, theft, or property damage.

10. Promote Year-Round Customer Loyalty.

Small Business Saturday is an opportunity to attract new customers, but it’s essential to focus on retaining those customers in the long run. Offer loyalty programs, discounts for returning customers, and incentives to keep them coming back throughout the year.

Small Business Saturday is more than just a shopping day; it’s a celebration of the resilience and creativity of small business owners. As you gear up for this special occasion, remember to safeguard your business with the right insurance coverage. Our agents specialize in business insurance solutions designed to protect entrepreneurs like you. You can find members of our team locally at convenient times for your benefit. This Small Business Saturday, let us help you secure your business so you can focus on turning this day into big opportunities for growth and success.

Traveling for the Holidays? Here's What You Need to Know.

Thu, 16 Nov 2023 11:00:00 GMT

The holiday season is just around the corner, and many of us eagerly plan trips to spend quality time with loved ones. However, before you embark on your holiday adventure, it’s crucial to consider the safety and security of your home while you’re away. There are various ways to keep your home safe and secure during your holiday travels. While your homeowner’s insurance can play a vital role in achieving peace of mind, traveler’s insurance may also be crucial.

Home Security While You’re Away

Lock All Doors and Windows: Before leaving, double-check that all doors and windows are securely locked. Consider investing in smart locks and security systems that allow you to monitor and control your home remotely.
Inform a Trusted Neighbor: Let a trusted neighbor or friend know about your travel plans. They can keep an eye on your property, collect mail, and even park their car in your driveway to create the illusion that someone is home.
Timed Lights: Use timers to set lights to turn on and off at different times throughout the day. This gives the appearance of an occupied home.
Hold Mail and Deliveries: Contact your local post office to hold your mail and request package delivery suspensions during your absence. A pile of mail or packages on your doorstep can signal that you’re not home.

Homeowner’s Insurance for Peace of Mind

Your homeowner’s insurance policy can provide essential protection while you’re away. Here’s how:

Coverage for Theft: If, despite your precautions, your home is burglarized during your absence, your homeowner’s insurance policy can help cover the cost of stolen items and repairs for any damage caused during the break-in.
Liability Coverage: If someone is injured on your property while you’re away, your homeowner’s insurance may cover their medical expenses and potential legal fees.
Additional Living Expenses: In the event of significant damage to your home that makes it temporarily uninhabitable, your homeowner’s insurance can cover the cost of alternative accommodations and additional living expenses while your home is being repaired.

Travel Insurance for Your Journey

While protecting your home is essential, safeguarding your holiday travel is equally crucial. Travel insurance can provide valuable coverage for unexpected events such as trip cancellations, delays, medical emergencies, and more. Here’s why you should consider travel insurance:

Trip Cancellations: Life is unpredictable, and plans can change. Travel insurance can reimburse you for non-refundable expenses if you cancel your trip due to unforeseen circumstances.
Medical Emergencies: If you or a family member falls ill or gets injured while traveling, travel insurance can cover medical expenses, emergency medical evacuation, and repatriation.
Lost Luggage: If your luggage is lost, damaged, or stolen during your journey, travel insurance can provide compensation to replace essential items.
Travel Delays: Travel insurance can cover expenses incurred due to travel delays, such as accommodation and meals.

Before embarking on your holiday travels, take the time to review your homeowner’s insurance policy and consider purchasing travel insurance for added protection. You can find our agents in your local area to assist you with preparing for your holiday plans. With the right coverage, you can enjoy your holiday season with peace of mind, knowing that your home and journey are safeguarded. Safe travels!

10 Tips & Tools to Help Your Veteran-Owned Business Succeed

Sat, 04 Nov 2023 11:00:00 GMT

As we approach Veterans Day, we want to take a moment to express our deepest gratitude to all veterans for their unwavering dedication and service to our nation. In honor of your sacrifices and commitment, here are ten ways to ensure your business’s success and safeguard your hard-earned progress.

1. Get Support Through the Office of Veterans Business Development (OVBD).

Start by tapping into the OVBD’s resources, which include mentorship, training, workshops, and business plan assistance. These services equip veterans with essential skills and tools for business management, helping them navigate the entrepreneurial landscape confidently.

2. Find Funding for Your Small Business.

Securing your initial capital is essential, and there are various veteran-focused funding opportunities to explore. Consider programs like the SBA Veterans Advantage 7(a) Loan, known for its low interest rates and fee reductions. This financial support ensures you have the necessary resources to launch your business successfully.

3. Insure Your Small Business.

Protecting your venture is vital, and having the right insurance coverage can save you from a financial disaster. Don’t overlook workers’ compensation and liability insurance. These safeguards shield your business, employees, and personal finances from potential claims or legal issues, providing peace of mind.

4. Craft a Winning Business Plan.

Begin with a comprehensive business plan outlining your goals, strategies, and financial projections. A well-structured plan provides direction and attracts potential investors or lenders to support your business, setting a solid foundation for growth.

5. Choose the Right Legal Structure.

Determine the appropriate legal structure for your business, whether an LLC, corporation, or sole proprietorship. Consulting legal professionals is a wise step to make an informed decision that aligns with your unique business needs and goals.

6. Conduct Market Research Like a Pro.

Prioritize thorough market research to understand your target audience, competition, and industry trends. Informed decisions based on research will guide your business strategy effectively, increasing your chances of success.

7. Secure Your Business with Insurance.

Shield your business from unexpected setbacks by investing in comprehensive insurance coverage. Explore options like general liability, property insurance, and workers’ compensation to minimize risks and maintain business continuity.

8. Explore Veteran-Focused Resources.

Leverage resources designed explicitly for veteran-owned businesses, including government programs, grants, and mentorship opportunities. These tailored resources provide crucial support and guidance, giving you a competitive edge in your industry.

9. Network to Build Key Connections.

Building a network is invaluable. Connect with other veteran entrepreneurs, industry peers, and local business organizations. Networking can lead to valuable partnerships, advice, and opportunities as your business journey progresses.

10. Prioritize Employee Well-Being.

Your team plays a pivotal role in your business’s success. Prioritize employee well-being by offering competitive benefits and fostering a positive work environment. Happy employees contribute to a thriving business culture, enhancing productivity and customer satisfaction.

As you grow your veteran-owned business, remember that success often comes with challenges. However, with determination, strategic planning, and the right insurance coverage, you can mitigate risks and seize opportunities. Reach out to our agents in your area for insurance solutions tailored to your business. This Veterans Day, we stand ready to support you in your journey toward entrepreneurial success, ensuring your vision thrives and prospers.

How often should I update my insurance policies?

Thu, 02 Nov 2023 11:00:00 GMT

As your life changes, your insurance policies should, too. Whether you’re celebrating a new chapter in your life or navigating significant changes, staying on top of your insurance needs is crucial to ensure you’re adequately protected.

Major life events can dictate how often and when you should update your insurance policies, especially after significant life events like marriage, job changes, relocations, or expanding your family. Annual policy reviews provide an opportunity to evaluate your coverage in light of any changes in your life or assets. This helps ensure you’re neither underinsured nor overpaying for coverage you no longer need.

Getting Married

Marriage is a significant life event that often brings financial merging. After tying the knot, it’s advisable to review your insurance policies together. This includes health, auto, and home insurance. Combining policies or making adjustments can lead to potential savings and more comprehensive coverage.

Changing Jobs

Job changes can affect your insurance needs in various ways. You may need to adjust your health insurance coverage if your new employer offers different plans. Similarly, if your job involves a longer commute, it might impact your auto insurance rates. Always inform your insurance provider about changes in your employment status to ensure you’re adequately covered.

Moving States

Relocating to a new state can bring changes in insurance requirements and pricing. Auto insurance, in particular, varies significantly from state to state. It’s essential to update your policies to comply with your new state’s laws and potentially find better rates based on your new location.

Expanding Your Family

Welcoming a new family member through childbirth or adoption is a joyful occasion and a time to revisit your insurance coverage. Consider increasing your life insurance policy to provide financial security for your growing family. Updating your health insurance to include your child is also crucial for their well-being.

Home Renovations

If you’ve invested in home improvements or renovations, it’s essential to update your homeowner’s insurance to reflect the increased value of your property. This ensures that you’re adequately covered in case of damage or loss.

Retirement

As you approach retirement, your insurance needs may change. You might need less life insurance and could explore long-term care insurance to prepare for potential health-related expenses in your later years.

Regularly Reviewing Your Policies

While the life events mentioned above are good reasons for policy updates, it is wise to review your insurance coverage yearly. Additionally, reaching out to your insurance agent for a comprehensive policy review can help identify any gaps or better rates with higher coverage.

It’s important to remember that life is always changing and evolving, and so are our insurance needs. To ensure that we are fully prepared for whatever comes our way, we must regularly review and update our policies as significant life events occur. Our local agents are always happy to assist you in reviewing your policy and making any necessary updates to provide you with the best possible coverage. Our top priority is your peace of mind.

9 Habits of a Strong Female Leader

Thu, 19 Oct 2023 11:00:00 GMT

National Business Women’s Week is celebrated during the third week in October every year. This gives us an opportunity to recognize and honor working women. For nearly a century, this celebration has helped promote leadership roles for women. Trading old habits for better ones can help women become more effective leaders in their organizations. Here are nine habits of strong female leaders.

Step Out of Your Comfort Zone

To be a strong leader, you must have courage. Rather than operating in your comfort zone, participating only in areas where results are predictable, eagerly welcome new ideas and the opportunity to learn. Welcome new challenges, even if there is a risk of failure.

Demonstrate Emotional Intelligence

Avoid reacting to troubling work situations with hurt, fear, anger, or difficulty managing emotions. Instead, monitor your own and others’ emotions. Use intelligence and empathy to lead, manage, and collaborate with your team, peers, and the organization’s leaders. Practice calmness to help you keep emotions in check when making decisions and effectively lead others.

Communicate Effectively

It is important to assert your leadership and influence with your voice. Speak up and speak out concisely. Repeat your message as often as necessary to make it stick. This particularly applies when your purpose is to establish a vision for the future or change or norm with your team. Practice persistence and do not give up, even against resistance.

Listen Actively

The best leaders have the (often rare) ability to listen. Be open to communication from your team. This can help you get the most from your employees and better understand any resistance or difficulties. If an employee comes to you with a complaint about another team member, direct them to HR so they can report the issues and monitor what occurs.

Develop a Leadership Presence

Instead of taking a backseat at the table, walk, talk, and look like a leader. Accept credit for your own accomplishments, and give credit where it is due to help engage and inspire your team. Delegate responsibility to associates and find ways to empower others. Develop a habit of confidence. Know you will succeed, and know that others believe it as well.

Set a Good Example

A good leader leads by example. Be intentional in everything you do. Start and end meetings on time. Request feedback routinely. When you lead, others are watching. Your reputation will reflect your actions.

Cultivate Good Relationships

Make it a practice to consistently develop relationships with leaders and influencers inside and outside of your organization. Cultivate these relationships by listening, learning, sharing, supporting, and contributing.

Be Adaptable

In addition to confidence, perseverance, and creativity, all leaders need adaptability. Demands are different in every job and work environment, and they will continue to evolve with the workforce, client needs, and technology. Leaders need the ability to weather changes and use them to their advantage.

Ignore Bad Advice

To move forward, you must stick to a sound plan based on knowledge of your company, industry, and clients. This may involve ignoring some advice, particularly from uninformed or inexperienced sources. Only listen to those who have experience in the area concerned.

5 Tips to Keep Teens Safe Behind the Wheel

Mon, 16 Oct 2023 11:00:00 GMT

This week is National Teen Driver Safety Week (October 15 through 21, 2023). Due to various factors, teen drivers have a higher risk of being involved in a crash than older drivers. Parents play an important role in teen driving safety. The following are tips to help keep teenagers safe behind the wheel.

Schedule Driving Practice Sessions With Your Teenager

One of the main risk factors for teen drivers is inexperience. Teens may lack the judgment to allow safe gaps in traffic, turn safely, and travel at the right speeds for conditions. Teen drivers who continue to practice with their parents have a lower risk of being involved in a crash.

Lay Down Ground Rules and Expectations

Parents who sign for their minor children to receive driver’s licenses are legally liable for any damages their children may cause behind the wheel. Before your teenager is allowed to drive, it is important to discuss your rules and expectations. Some parents enter into written agreements with teens to ensure the rules are understood.

Establish when the car can be used, who will pay for gas and insurance, and what the ground rules are. Make it clear to your teen driver that none of the following are allowed:

Using cell phones while driving
Taking on extra passengers
Speeding
Alcohol or drug use
Driving or riding without a seatbelt

Take Steps to Deter Speeding

Speeding is a major safety issue among teen drivers. In 2021, it was a factor in 32% of passenger vehicle drivers 15 to 18 years old involved in fatal crashes, as reported by the National Highway Traffic Safety Administration ( NHTSA ). Studies have shown that speeding increases over time as teen drivers gain confidence. Get involved, monitor your teenager closely, and set a good example by never speeding yourself. Wait to get your teenager his or her own vehicle. According to a study by the Governors Highway Safety Association (GHSA), teens are more likely to speed in their own vehicle than in the family car.

Help Prevent Drowsy Driving

With school, extracurricular activities, part-time jobs, and socializing with friends, teens tend to compromise on their sleep. This can lead to drowsy driving, which affects a driver’s alertness, attention, reaction time, judgment, and decision-making capabilities. To reduce the risk of a drowsy driving accident, establish and enforce a regular bedtime, limit the use of electronic devices, and limit nighttime driving.

Set a Good Example

Parents who engage in unsafe driving behavior, such as texting or talking on cell phones while driving, set a bad example for teen drivers. Studies have shown that teens whose parents impose restrictions and set good examples typically engage in less risky driving and are involved in fewer accidents.

When your teenager starts driving, it is essential to have the right auto insurance coverage to protect you from liability. Our knowledgeable agent can help you add a teen driver to your policy and get the coverage you need at the lowest possible cost.

Is My Small Business Vulnerable to Cyber Attacks?

Wed, 04 Oct 2023 11:00:00 GMT

October is National Cyber Security Awareness Month. With the increasing prevalence of cybercrime in small businesses, it is crucial to be aware of the risks and take the necessary actions. The following statistics were reported by Small Biz Trends :

Nearly 43% of cyber attacks target small and medium-sized businesses.
Only 14% of targeted small businesses are prepared to handle cyber attacks.
Costs of cybercrime are expected to increase by 15% over the next few years, reaching $10.5 trillion by 2025.

The following tips can help small business owners avoid cyber attacks:

Secure Networks and Databases

Set up firewalls and encrypt information to help protect your networks and reduce the risk of hackers gaining access to confidential information. Ensure your Wi-Fi network is password-protected and hidden. Databases provide companies with a central location for data and documents, but they should not be used to store any and all information. Be selective about the data stored in company databases. Set automatic backups to occur once a day or once a week, depending on the level of activity. This can help protect you against losing all your company’s data should a cyber attack occur.

Establish Security Policies and Practices

Set up policies to protect your company from cybercrime, along with guidelines for resolving any issues that may arise. Outline how situations should be handled and the consequences for employees violating these policies.

Control access to company devices. Prevent access by unauthorized users to handheld devices and company computers. Laptops and cell phones can be easily lost or stolen, which makes them targets for cyber theft. Before disposing of devices, reset them to the factory settings.

Educate Your Employees on Cyber Security

Employees are essential in protecting and securing information about the company, its customers, and their co-workers. Talk to them about the role they play. Explain company policies and what practices are acceptable and unacceptable. To minimize the risk of downloading viruses or malware, limit the number of users within the company who have administrative access.

Train employees to distinguish real notifications from fake antivirus warning messages. Alert IT immediately if anything questionable occurs. Have a policy in place for steps to be taken if an employee’s computer becomes infected with a virus. Malware obtains information by getting onto devices via the internet, email, social media, downloads, and attachments. Key-logging malware tracks everything a user types on his or her keyboard. Keep security software updated to help prevent malware from getting onto your company’s system and networks.

Consider Cyber Liability Insurance

Cyber liability insurance is a combination of coverages that protect businesses from data breaches and other cyber security issues. It can cover costs associated with notifying customers of data breaches, recovering compromised data, repairing damaged computer systems, and helping replace lost income due to a cyber incursion. Meet with our experienced agent for help finding cyber liability insurance at the best available rates.

7 Group Riding Rules to Know Before Your First Fall Joyride

Mon, 02 Oct 2023 11:00:00 GMT

Riding in a group is one of life’s great pleasures, particularly in the autumn when the leaves turn, the air is crisp, and the colors vibrant. Before heading out on your first group ride this fall, take note of some vital riding rules to ensure the experience is successful and safe.

Prepare for the Ride

Before the day of the ride arrives, thoroughly inspect your motorcycle and your riding gear. Make sure you set out with a full tank of gas. Perform an additional pre-ride inspection on the day of the group ride to ensure your motorcycle is in proper working order and you have everything you need for the trip.

Hold a Meeting of the Group in Advance

Meet as a group ahead of time to establish the route and set the rules for the ride. Discuss in-group behavior, rest stops, fuel stops, and what happens if a rider has mechanical problems or gets lost from the group. A participant with group riding experience should run this meeting.

Assign Lead and Tail Riders

A rider with experience in group riding procedures should be assigned as the lead rider, and another should be designated as a sweep rider at the back of the group. Before the ride begins, the lead rider should become familiar with the skill levels of all riders in the group to monitor them throughout the ride. The lead rider should have excellent judgment and superior riding skills.

Maintain Safe Distances Between Riders

Maintaining enough distance for safety from the rider ahead and the rider beside you is important. Follow the two-second rule for the rider ahead to reduce the risk of a collision in case an obstacle makes it necessary to swerve or stop. Do not follow too far behind the rider ahead, as this could create a gap where other vehicle drivers may try to enter.

Know and Use Hand Signals

The group leader and the rest of the team must know the standard hand signals to alert the group of any hazards or decisions to stop, refuel, slow down, or warn of a road hazard.

Use Staggered Formation

With staggered formation, each following rider travels on the opposite side of the lane – right or left of center – from the rider ahead. This formation allows for maximum visibility and enough space for each rider to maneuver left or right within the lane. Cornering is the exception to the rule. Each rider selects a line, and the group may appear to be traveling single file while turning a corner.

Make Sure You Have the Right Motorcycle Insurance

Motorcycle insurance covers you and your motorcycle in case of a crash or theft. Your auto insurance will not cover your motorcycle unless you specifically add it to your policy. Types of motorcycle coverage available include liability, collision, comprehensive, and uninsured/underinsured motorist coverage. You need at least the mandatory minimum liability coverage required by state law and protection in case of bodily injury and damage to your motorcycle in an accident. Our experienced agent can help you find the motorcycle insurance you need at the best available rates.

The Importance of Adapting Your Insurance to Your Business Growth

Tue, 19 Sep 2023 11:00:00 GMT

Watching your business prosper and grow can make all your hard work seem worthwhile. As you enjoy your success, it is important to be aware that as your business grows, risk management considerations increase accordingly. You may need to revise your business insurance because of expansion or any of various other factors.

How Do Most Businesses Get Started With Insurance Coverage?

For most business owners starting out, the cost of business insurance is an important consideration. Busy with operations, they typically allocate little time to risk management and insurance solutions. Many start with a Business Owner’s Policy (BOP), a bundled insurance package providing several essential policies, such as general liability, commercial property, and business interruption insurance. BOP packages are often purchased by owners of small and medium-sized businesses who want to handle all their insurance needs in one place at affordable rates. For businesses with employees, workers’ compensation insurance, which is not included in a BOP, is required by most states.

When Should You Adjust Your Coverage?

When businesses expand, they are likely to outgrow their original BOP packages. After reaching a certain growth threshold, a new insurance strategy may be required. As they begin earning higher profits, it will become more important to prioritize risk management and safeguard assets with the appropriate commercial insurance coverage.

Businesses are only eligible for BOPs when they employ fewer than 100 people and generate less than $5 million in revenues. Even if a business is still eligible after significant growth, it is likely they will need additional customized insurance coverage for protection against new risk exposures. Any of the following situations should prompt a review of coverage needs:

Hiring employees: Most states require employers to carry workers’ compensation insurance once the first employee is hired. You may also consider employment practices liability insurance (EPLI) for protection against employment-related claims such as discrimination or wrongful termination.
Changing or adding locations: If you relocate to a larger property after your business grows or add another location, it is essential to update your commercial property insurance to ensure you have the coverage you need.
Acquiring vehicles: Your business should obtain commercial auto insurance when it purchases its first vehicle for protection in case of accidents on the road.
Renovating commercial property: When you install new equipment, update structural features, or add additional space to your business property, your commercial property insurance coverage should be adjusted in accordance with the increase in overall value.
Offering different services or products: If new products or services are introduced to boost your company’s profits, consult with our experienced agent to determine if you need policy adjustments or specialized liability coverage for protection against new risk exposures.
Digitalizing operations: Using workplace technology to digitize certain operations can increase company efficiency and promote growth and profits. It may also increase the risk of a cyber-attack and your need for cyber liability insurance.

Meet with our knowledgeable agent to review your business insurance. We can help ensure your company has the coverage it needs at the lowest possible cost.

How to Ensure Your Home is Prepared to Weather Any Storm

Sat, 16 Sep 2023 11:00:00 GMT

Although summer means warmer temperatures, it can also bring thunderstorms, with hail, rain, lightning, and strong winds. The following are some tips on preparing your home for harsh weather conditions and summer storms.

Clear Your Gutters and Check Your Roof

The exterior of your home is its first defense against interior damage. Clear and clean your gutters to direct water away from your home and avoid roof, wall, and basement flooding. Get your roof checked for shingles that need replacing or soft spots, and have any necessary repairs done.

Trim Trees and Clear Limbs

Dead tree limbs can come crashing down during a storm, causing considerable damage to your home and adjacent structures. Heavy rains can cause trees with shallow roots to pull from the ground and topple over. Trim tall trees close to your house and have them checked by a specialist to ensure they are stable. Trim weak and overhanging branches to reduce the risk of breakage and damage to your home.

Secure Outdoor Furniture & Structures

Items such as garbage cans, grills, and outdoor furniture can become deadly projectiles in a violent storm. Bring them into your garage or house to reduce the risk. If high winds are expected, have a drill, drill bits, and pre-cut wooden boards ready to secure your windows. Ensure your fences are properly secured to prevent them from being lifted and hurled against the house by heavy winds.

Prepare Your Basement

If your home has a basement as the lowest level, it is the first place likely to be damaged by precipitation. Protect your electronics, furniture, and valuables by moving them upstairs to higher ground. Unplug all electrical cords, as water and electricity can be deadly.

Get Ready for a Power Outage

When a storm is coming, turn your refrigerator to its coldest setting. Move as much food as possible to the freezer. If the power goes out, perishable foods will stay cool and will be safe to eat for longer. Unplug all electrical appliances to avoid overloading circuits and creating a fire hazard when power is restored. If power outages are likely, plan for alternative power sources, such as a portable charger or power bank.

Prepare an Emergency Kit

Keep an emergency kit stocked and ready in case of a storm. The kit should include the following at a minimum:

Non-perishable foods
Water (at least a gallon per day for each individual, plus what is needed for pets)
Flashlights
Batteries
Blankets
Clean clothing
Hand sanitizer
First aid kit
Any necessary medications
Candles and matches in water-resistant packaging

In addition to the above preparations, meet with our knowledgeable agent to ensure you have sufficient homeowners insurance coverage. With storms becoming more intense, it may be a good idea to consider flood insurance as well, regardless of where you live.

5 Labor Day Lessons on Securing Your Business

Mon, 04 Sep 2023 11:00:00 GMT

The long Labor Day weekend is a time for backyard barbeques and celebrating the holiday with family and friends. It is also an excellent time to review your coverage and ensure you have the following five main types of insurance to help protect your business.

Business Owner’s Policy (BOP)

Business Owner’s Policies (BOPs) are among the most popular insurance bundles for small business owners. They typically combine commercial property insurance and general liability insurance. In some cases, they also include business interruption insurance. General liability insurance protects your business from liability in case a third party is injured, or someone’s property is damaged on your business premises. It can also protect you from libel, slander, and advertising injury claims.

Business Interruption Insurance

Also called loss of income insurance or business income coverage, this type of policy protects you in case a covered event disrupts your ability to operate your business. When business income stops temporarily, business expenses do not. Business interruption insurance can help cover your bills and payroll in the interim.

Commercial Auto Insurance

Generally, personal auto insurance will not cover business use. It is important to have commercial auto insurance to cover your business vehicles and their drivers. This type of policy may include:

Liability: This covers bodily injury or property damage to third parties.
Med Pay: Covers medical expenses arising from accidents up to policy limits for you, your employees, and your passengers, regardless of who is at fault.
Comprehensive: Helps pay for damage to vehicles from vandalism, theft, weather, and events other than crashes.
Collision: Covers damage to your vehicles caused by a collision with another vehicle or object or a rollover, regardless of fault.
Uninsured/underinsured motorist: This coverage pays for medical expenses and damages owed to you or your employees or passengers due to an accident caused by an underinsured, uninsured, or hit-and-run driver.

Commercial Property Insurance

This coverage provides the protection you need for leased or owned business buildings and properties. It includes machinery, equipment, furniture, and inventory contained in the building. Damage caused by flooding generally is not covered by commercial property insurance. Work with our experienced agent to ensure you have protection from any potential flood losses.

General Liability Insurance

Also known as business liability insurance, general liability protects your business from claims involving bodily injury and property damage. When claims arise from your products, services, or business operations, it typically covers medical expenses for which your company may be held liable and your attorney fees. It does not cover employee injuries (which are covered by workers’ compensation insurance) or auto accidents. General liability coverage may be purchased in a standalone policy or bundled with other key coverages in a Business Owner’s Policy (BOP).

In addition to the five main types covered above, you may need other types of business insurance, such as workers’ compensation or Errors & Omissions (E&O). Meet with our experienced agent to ensure you have the coverage your business needs at the best available rates.

Errors and Omissions Insurance: What Is Covered?

Sat, 19 Aug 2023 11:00:00 GMT

Errors and omissions (E&O) insurance is a type of professional liability insurance. It is designed to protect professionals, including companies and workers, against claims of negligent actions or inadequate work brought by clients. Companies that provide services to customers for fees often purchase E&O insurance.

What Does Errors and Omissions Insurance Cover?

E&O insurance generally addresses the aftermath of professional service mistakes, such as specific errors.

Errors, mistakes, or oversights
Failure to meet a deadline or deliver a service promised to a customer
Failure to meet a specific standard of care as outlined for a given profession
Professional negligence
Breach of contract

If a company is sued, errors and omissions insurance may cover legal fees and court costs, whether or not the company is found to be at fault. E&O insurance may also cover settlements, judgments, damages, and expenses incurred by others for professional wrongdoing.

What Will E&O Insurance Not Cover?

E&O insurance will not cover criminal prosecution or liability that arises from illegal acts, intentional wrongdoing, or criminal activity. It does not cover bodily injury, employee injuries, discrimination claims, or information leaks due to cybercrime. Errors and omissions insurance may not cover temporary employees of a company.

What Is the Difference Between E&O Insurance and Liability Insurance?

Errors and omissions insurance is the same thing as professional liability insurance but different from general liability insurance. E&O insurance is designed specifically to cover mistakes made in the operation of a business. General liability insurance, on the other hand, is geared toward claims for bodily injury or product liability.

Who Needs Errors and Omissions Insurance?

Most businesses in which professional advice is given, or professional services are rendered need E&O insurance. Companies sued by clients can be held liable for millions of dollars in damages in addition to their legal fees. Examples of professionals who typically purchase E&O insurance include real estate brokers and agents, insurance brokers, financial planners, investment advisors, contractors, general maintenance companies, engineering firms, printers, and wedding planners. Doctors, dentists, and other medical professionals, as well as lawyers, carry E&O coverage, known as malpractice insurance.

Mistakes made on behalf of a client can be costly. Professionals working in financial industries, such as accounting, real estate, insurance, and investments, can certainly benefit from errors and omissions coverage. Clients may sue financial professionals if they incur losses due to errors made in a consultation, application process, or investment decision. In fact, many regulatory agencies require employees in these professions to obtain E&O coverage, either independently or through their employers.

How Much Does E&O Insurance Cost?

The cost of errors and omissions insurance can vary widely, depending on the type of business, where it is located, and whether any claims have been paid to that person or company previously. A professional or company that has been sued multiple times in the past is likely to pay higher premiums. On average, the cost of E&O insurance is approximately $500 to $1,000 per employee, per year. Our agent can help you find an E&O policy to suit your business needs at the best available rates.

Should I Purchase Flood Insurance If I’m Not in a Flood Zone?

Wed, 16 Aug 2023 11:00:00 GMT

What Does Flood Insurance Cover?

Two types of flood insurance are available through the National Flood Insurance Program (NFIP):

Building coverage: This protects you against damage from flooding to your foundation walls, staircases, anchorage systems, furnaces, water heaters, electrical systems, plumbing systems, refrigerators, stoves, built-in appliances such as dishwashers, permanently installed carpeting, cabinets, paneling, permanently installed bookcases, window blinds, solar energy equipment, well water tanks and pumps, fuel tanks, and detached garages.
Contents coverage: This insurance covers personal belongings, such as furniture, clothing, electronic equipment, washers and dryers, curtains, microwave ovens, portable and window air conditioners, carpets not included in the building coverage, and valuable items, such as furs or artwork.

Flood insurance will not cover damage that is not the direct result of flooding. For example, damage from sewage backup is not covered unless flooding directly causes the backup.

When Can You Buy Flood Insurance?

You can purchase federal flood insurance if your community participates in the NFIP. For properties located within the areas with the most significant risk of flooding, known as Special Flood Hazard Areas (SFHAs), under the National Flood Insurance Act, lenders must require borrowers to buy flood insurance to receive federally-backed loans. You can purchase flood insurance at any time. After you have paid the premium, there is a 30-day waiting period before the policy goes into effect, except when:

The initial purchase of flood insurance is in connection with making, extending, increasing, or renewing a loan; or
The initial purchase of flood insurance is made during one year following adoption of a revised Flood Insurance Rate Map for a community, in which case the waiting period is one day.

If you purchase flood insurance when you buy your home, there is no waiting period before coverage goes into effect.

What Type of Flooding Does NFIP Cover?

When the surface of normally dry land is partially inundated, and two or more adjacent properties or two or more acres are affected, it is considered flooding covered by NFIP. This can be caused by:

Unusual, rapid accumulation of runoff of surface water from any source, such as heavy rainfall
Overflow of inland or tidal waters
Collapse or destabilization of land along a lakeshore or other body of water caused by erosion or the effects of waves
Mudslides or mudflows comparable to rivers of liquid, flowing mud caused by flooding
Water currents exceeding normal cyclic levels

Flood insurance is not only for people who live in flood zones. Our friendly agent can help you obtain a policy to protect your home from flooding.

6 Reasons to Get Business Insurance Now

Fri, 04 Aug 2023 11:00:00 GMT

If you are wondering when the best time is to get business insurance, the answer is now. The protection it can provide is essential for your business, and some types of coverage may be required by law. Working with a local [bf_location field=state] insurance agent, such as ours at [bf_location field=company_name] can be beneficial for your business insurance needs . We can guide you to find suitable coverage for your corporation. The following are six reasons to purchase a business insurance policy now:

Some Business Insurance Is Required by State Law

Most states require small businesses to carry some type of business insurance. The two types of business insurance most often required by state law are:

Workers’ compensation insurance: If you have employees, most states will require you to carry workers’ comp insurance to cover the costs of work-related injuries and illnesses and provide disability benefits while employees are unable to work.
Commercial auto insurance: Most states require commercial auto insurance for vehicles owned by a business. Coverage must be sufficient to meet your state’s auto liability insurance requirements. Commercial auto insurance can help pay for medical expenses, property damages, and legal costs in case of a lawsuit.

Business Insurance Protects Your Customers

Just as workers’ compensation insurance can help protect your employees, a Business Owner’s Policy (BOP) can help protect your customers. This type of policy can combine business property and liability coverage. If a customer slips and falls or is otherwise injured on your business property, a BOP can help cover medical costs. Data breach insurance included in a BOP can help cover identity protection solutions and liability if a security breach occurs.

Business Insurance Can Help Your Company Grow

Having the right business insurance builds credibility for your company. It shows customers and contractors that you are on top of managing risks. In fact, many contracts require insurance protection. You may need business insurance to lease building space, take out a business loan, and enter into various other contracts.

Business Insurance Can Help You Attract and Retain Top Talent

Currently, it is a job seeker’s market. Prospective employees are looking at the entire compensation package, not just salary, in a job search. Employer-sponsored health plans and life insurance are popular benefits that help attract and retain employees.

Business Insurance Can Provide Protection Against Natural Disasters

Natural disasters, such as fires, lightning, tornadoes, hurricanes, and flooding can happen nearly everywhere in the U.S. It is essential to have the right insurance coverage to protect your business assets in case of a disaster.

Business Insurance Can Help Protect You Against Lawsuits

We live and conduct business in a litigious society. Any company can be sued for any number of reasons. Lawsuits against businesses are brought for a variety of reasons, including breach of contract, employee claims of discrimination or harassment, accidents and injuries, and claims of intellectual property rights infringement. Business insurance can help cover your legal fees and costs associated with lawsuits.

One important reason to have business insurance is the peace of mind it can bring you. Meet with one of our local [bf_location field=state] agents at [bf_location field=company_name] to discuss an affordable business insurance package to suit your company’s needs. Give us a call at [bf_location field=phone].

Home Insurance for Rental Properties: What You Need to Know

Tue, 01 Aug 2023 11:00:00 GMT

Many people who own homes today rent them out to others. If you are renting out your home, whether on a short-term or a long-term basis, it is essential to understand that your homeowners insurance may not cover losses incurred while the property is being rented. The following is information about insurance coverage for renting out a residence in different scenarios.

Short-Term Rentals of a Primary Residence

If you are planning to be away from your home and decide to rent it out on a short-term basis, the coverage you need will depend on your insurance company. With a homeowners or renters policy, some insurers may cover you for a short-term rental if you notify the company in advance. Other insurance companies may require you to purchase a rider or endorsement to your existing policy to have coverage while the property is being rented.

If you plan to rent out your primary residence on a regular basis to different guests, then it becomes a business, and your homeowners policy will not cover it. You will need to purchase a bed and breakfast or hotel business policy. Types of coverage available under the commercial bed and breakfast policies include:

Commercial property: This covers the cost of repairing or replacing business-related property, such as the building, furnishings, equipment, and supplies, in the event of fire, theft, or natural disaster.
General liability: This provides protection against losses for bodily injury, property damage, and personal injury.
Innkeepers liability: This insurance covers the personal property of your guests.
Loss of business income and related expenses: This offers protection in case a covered loss forces you to close down your business temporarily.

Long-Term Rentals of a Second Home or Investment Property

When two people who each own a home decide to marry or live together, they may keep both homes and rent one out. Some people have second homes in different parts of the country where they may stay only during vacations. Other people purchase residential properties as an investment for rental income.

When you rent out a home for a longer period of time, such as six months or a year, you will need to purchase a rental dwelling or landlord insurance. The cost of these policies is generally approximately 25% higher than the cost of standard homeowners policies. Landlord policies typically provide coverage for:

Physical damage to the structure of the home caused by wind, hail, ice, snow, lightning, fire, and other covered perils
Personal property left on site for tenant use or maintenance, such as appliances, lawn mowers, and snow blowers
Liability for medical expenses and legal fees in case a tenant or guest is injured on the property
Loss of rental income, in the event you are not able to rent out the property while it is being rebuilt or repaired due to damage from a covered loss

If you are renting out a home, our knowledgeable agent can advise you on the type of insurance coverage you need and help you find it at the best available rates.

How to Adjust Your Insurance Coverage for Remote Employees

Wed, 19 Jul 2023 11:00:00 GMT

Why Should Business Insurance Be Updated With Remote Workers?

Damage to company-owned property, such as computer equipment
Cyber theft and data breaches
Commercial crimes
Company liability for employee injuries

What Types of Insurance Does a Business With Remote Workers Need?

Commercial property insurance: In addition to a building or office space, commercial property insurance covers equipment and devices used at home by remote workers. This may include computers, office furniture and equipment, electronic devices, and other company-owned property used by employees working remotely.
Cyber liability insurance: The potential for cybercrime is one of the greatest risks of having remote workers. Cyber liability insurance protects against data breaches. It is essential when employees who deal with sensitive information are working from home. Third-party cyber liability insurance can protect your company in case a client sues over a data breach that occurs remotely. It covers attorney fees, court costs, and damages. First-party cyber liability insurance covers damages your business suffers from a data breach. This may include the costs of notifying affected customers and providing them with credit monitoring.
Workers’ compensation insurance: Most employers are required to carry this coverage under state laws. Workers’ comp extends to remote workers as well as on-site workers. It protects employees working from home in case they are injured while performing their jobs. To be eligible for workers’ compensation benefits, employees working from home must prove that the injury occurred during business hours in the course of performing work duties.
General liability insurance: This insurance includes medical coverage. It can help protect your business from liability for bodily injury or property damage to third parties caused by your employees or your company. It also covers advertising injuries, such as libel and slander.
Errors and omissions (E&O) insurance: This coverage applies when allegations of errors, omissions, or negligence are made. If you are in a service-based industry, you may need E&O insurance for your remote employees. It is common coverage for real estate agents, marketing consultants, graphic designers, accountants, advertising agencies, and other businesses that provide services.

What You Need to Know About Auto Insurance As a Rideshare Driver

Sun, 16 Jul 2023 11:00:00 GMT

Will Personal Car Insurance Cover Rideshare Driving?

What Does Rideshare Company Insurance Cover?

If the app is on and you are waiting for a ride request when a crash occurs, these companies provide third-party liability coverage of up to $50,000 in bodily injury per person, $100,000 in bodily injury per accident, and $25,000 in property damage per accident.
If the app is on and you are heading to pick up a passenger or transporting a passenger to a destination, Uber and Lyft provide $1 million in third-party liability coverage, uninsured/underinsured bodily injury coverage, and contingent comprehensive and collision coverage.

What Does Rideshare Insurance Cover?

What Happens If You Fail to Notify Your Insurer That You Are Rideshare Driving?

Will My Business Insurance Protect Me From Cyber Threats?

Tue, 04 Jul 2023 11:00:00 GMT

What Is Cyber Liability Insurance?

What Does Cyber Liability Insurance Cover?

Funds lost due to fraudulent instruction by a third party
Lost business income and recovery costs due to a data breach or ransomware demand
Costs of compliance with regulatory requirements and fines
Costs of defense against lawsuits
Expert breach response services

Who Needs Business Cyber Liability Insurance?

In What Scenarios Could You Need Cyber Liability Insurance?

Data breaches
Cyber extortion threats
Suspected network intrusions
Denial of service
Network outages
Security or network wrongful acts

Car Insurance Terms You Should Know

Fri, 16 Jun 2023 11:00:00 GMT

Common Car Insurance Terms Defined

Automotive liability insurance:

Collision coverage:

Comprehensive coverage:

Deductible:

Personal injury protection (PIP):

Property damage liability (PD):

Threshold:

Uninsured/underinsured motorist coverage (UM):

Third party:

Protect Yourself with the Right Auto Insurance Policy

How to Select the Best Business Insurance for Your Company

Sun, 04 Jun 2023 11:00:00 GMT

A Guide on How to Choose the Right Business Insurance

1. Understand your industry:

2. Look at the available coverages:

3. Select the right limits and deductibles:

Work with One of Our Insurance Agents

4 Tips on How to Protect Your Home While on Vacation

Sat, 03 Jun 2023 11:00:00 GMT

Taking the Right Steps to Protect Your Home

1. Make it appear as if someone is home:

2. Move your spare key:

3. Avoid oversharing on social media:

4. Unplug your appliances:

Purchase Personal Insurance to Safeguard Your Most Treasured Assets

Does My Business Vehicle Need Insurance Coverage?

Fri, 19 May 2023 11:00:00 GMT

What Does Commercial Auto Insurance Cover?

Property damage liability: If your business vehicle collides with someone else’s vehicle or property, this can help cover the cost of any property damage as well as potential legal fees you may incur.
Bodily injury liability: In an accident, people can get hurt, so this coverage can help pay for medical expenses associated with any injuries sustained. It can also help pay for deaths that may result from the accident as well as legal fees.
Combined single limit: While liability policies tend to provide separate limits for bodily injury claims and property damage, combined single limit policies provide the same dollar amount of coverage per occurrence for bodily injuries or property damage, no matter how many people may have been involved.
Medical payments (no-fault/personal injury): If the driver or passengers in your business vehicle are injured in an accident, this will cover their medical expenses, regardless of who was at fault.
Uninsured motorist: If you or the driver of your business vehicle is involved in an accident with an uninsured driver or a hit-and-run driver, this can help cover the cost of medical expenses and property damage.
Collision: If your business vehicle is in a collision with another vehicle, the damage is covered by collision insurance, up to the policy limits.
Comprehensive physical damage: Accidents are not the only risks your business vehicle could encounter. If it is damaged due to flood, theft, fire, vandalism, or other risks, this coverage, based on the covered perils in the policy, can save you from serious financial damage should other problems occur.

What You Should Know About Boat Insurance

Tue, 16 May 2023 11:00:00 GMT

What Does Boat Insurance Cover?

Boat insurance property coverage: Whether your boat is on water or land, it will be protected from a range of risks, including damage sustained in an accident. It could also help cover the cost of replacing your boat if it is stolen. When purchasing boat insurance, you can choose either actual cash value coverage or agreed amount coverage. If you choose actual cash value coverage, depreciation will be considered when paying for boat repairs. If you choose agreed amount coverage, coverage will be based on the agreed-upon valuation of the watercraft.
Liability coverage: If your boat is involved in an accident, resulting in damage to someone else’s property, this coverage can save you from paying for these losses from your own financial resources.
Medical payments coverage: If you or the passengers of your boat are injured in an accident, this coverage pays for costs of medical care, up to the policy limits.
Uninsured watercraft coverage: Not all boat owners have insurance, so if you collide with another party who chose to set sail without insurance, causing injuries to you or your passengers, this coverage helps to cover expenses related to the accident.

How Much is Boat Insurance?

Here’s What First Time Homebuyers Should Know

Tue, 02 May 2023 11:00:00 GMT

What Does Homeowners Insurance Cover?

Personal property coverage: Your personal possessions are valuable, so most homeowners insurance provides coverage if your property is damaged by a covered peril.
Dwelling coverage: The dwelling portion in your homeowners insurance can protect the actual structure of your home.
Other structures coverage: Other structures include fences or detached fences, which are typically covered by an HO-3.
Medical payments coverage: Accidents happen and if someone has an accident and gets injured on your property, your homeowners insurance will likely cover their medical bills.
Liability coverage: If someone sues you for being injured on your property, your homeowners insurance can cover legal fees and judgments, up to the policy limits. For higher levels of coverage, consider an umbrella policy.

When Should I Buy Homeowners Insurance?

Find the Right Homeowners Insurance Coverage for You

What You Should Know About Seasonal Business Insurance

Wed, 19 Apr 2023 11:00:00 GMT

What Kind of Protection Does Seasonal Business Insurance Provide?

Special events: If you have a business that hosts fairs, festivals, concerts, or other events that require coverage if canceled, special events insurance covers the losses you may face, including ticket refunds, lost income, and the cost of the venue.
Pop-up stores: Some businesses do not need to rent out a building all year-round. Many seasonal, short-term businesses rent a property for a limited time. With seasonal business insurance, equipment, and inventory can be covered. It could also protect you against liability if someone sustains injuries while visiting the property.
Hazard income loss: Terrible, unforeseen events can happen while operating a summer business. You could experience a robbery or inclement weather that could damage your operation, closing it down for the rest of the season. Talk to your insurance agent about policies that include income replacement in the event that your business must close due to vandalism, weather damage, or theft.
A weak season: If you have a business that makes most of its money during certain seasons, seasonal business insurance can protect you if you come up short and cannot cover your expenses, such as rent or employee paychecks. Ultimately, it could help keep the doors of your business open even during times of struggle.

Talk to Our Team About Your Seasonal Business Insurance

What’s Considered a Natural Disaster, and Am I Covered?

Sun, 16 Apr 2023 11:00:00 GMT

Examples of Natural Disasters Homeowners Insurance May Cover

Hurricanes: A hurricane can cause severe structural damage to your home, and you may also lose some cherished personal items. While damage and losses caused by wind and hail are usually covered, flood damage is separate in most cases. You will likely need a different policy to cover these events, so be sure to ask your insurance agent to ensure your property is protected.
Fires: Unless you live in an area particularly susceptible to wildfires or when a fire was set on purpose, your homeowners insurance policy should cover fire-related damage. Additionally, if you have very valuable items in your home, such as fine jewelry, you should have them appraised for a scheduled personal property endorsement. Otherwise, they will have little or no coverage.
Extreme cold: Homeowners insurance policies typically cover damage caused by extreme cold. For example, if your home or personal belongings are damaged from the weight of ice or snow, they will likely be covered. On the other hand, if ground snow melts and seeps into your home, resulting in water damage, this is likely not covered unless you have a separate flood insurance policy.

Keep Your Home and Property Protected with Homeowners Insurance

The Top 4 Reasons to Consider Business Interruption Insurance

Tue, 04 Apr 2023 11:00:00 GMT

1. Heavy storms in your area are becoming more common.

2. Your business would not survive if shuttered for a month or more.

3. Your business relies on digital information to operate.

4. When a shutdown happens, business interruption insurance softens the blow.

What is the best type of business interruption insurance?

5 Car Insurance Myths Debunked

Sat, 01 Apr 2023 11:00:00 GMT

Myth: Older drivers always pay more for auto insurance.

Myth: Your credit won’t impact your car insurance premiums.

Myth: It is smart to have only the minimum coverage required by law.

Myth: A red car costs more to insure.

Have car insurance questions? We are here to help.

5 Types of Car Insurance Explained

Thu, 16 Mar 2023 11:00:00 GMT

Liability: This is the coverage that will pay for the other party when you are responsible for a collision. This coverage comes with a limit the insurance company will pay if you are found to be responsible for a crash. You can increase the amount of liability coverage you have on your vehicle.
Collision: This coverage replaces a damaged vehicle after an accident (no matter who caused the collision) and is required for drivers with financed or leased vehicles.
Comprehensive: This type of coverage pays for damages to a vehicle caused by incidents other than collisions, such as a tree falling on a vehicle, vandalism, theft, fire, and so on.
Uninsured/Underinsured: A shocking number of drivers operate vehicles without current auto insurance. If you are in the wrong place at the wrong time and in a collision with such a driver, you want to ensure you have this coverage in place. It pays out for vehicle damage and medical care. An underinsured driver may have only the minimum as required in the state, which does not cover your actual medical bills – this insurance could save the day.
Rental Reimbursement: Your auto insurance may pay for a rental car for you to use when your vehicle is damaged in an accident. Knowing you will have transportation in this situation is essential.

Auto Insurance Policies – What’s Right for You?

Protect your vehicle and your family.

How Promoting Workplace Safety can Save You Money

Sat, 04 Mar 2023 11:00:00 GMT

How to Reduce Workers’ Compensation Claims

Workplace safety programs – the cost of doing business.

Greater work efficiency
Higher employee morale
Higher employee retention
Savings on workers’ comp premiums

What are the Costs of Workplace Injuries?

Medical bills: The cost of medical care is covered by workers’ compensation insurance, but when a claim is filed, the premiums increase.
Fines, penalties: OSHA may get involved when an injury occurs, and if they discover violations of safety regulations, can lead to expensive fines.
Equipment and property damage: When an employee has not been well-trained with the materials and equipment, it can lead to a serious or fatal accident. Equipment and materials can also be damaged, at high cost of replacement.
Missed work: An injured employee will be unable to perform their work duties, but still must be paid. Lost production time can reduce the ability to deliver goods or services, significantly affecting the bottom line.

What Type of Training Program Would be Best for Your Business?

Seminar training
Workshop training
Peer-to-peer training
On-the-job training
Regular safety inspections
Training programs for supervisors, managers, and employees
Reporting systems to identify developing hazards
Promoting safety with posters, emails, and other materials
Safety training geared to be easily understood and absorbed, in more than one language when needed
Additional training for new processes, equipment, or when a worker takes on new tasks

The Right Workers’ Compensation Insurance

Can Having an Eco Friendly Home Reduce Your Homeowners Insurance?

Fri, 03 Mar 2023 11:00:00 GMT

Eco-friendly material replacements: When a home requires work, replacing existing materials with sustainable materials and products may allow for endorsements on your homeowners’ insurance policy. Installing Energy Star appliances can benefit homeowners by reducing energy costs, and gain an energy saving rating issued by the EPA and Department of Energy.
Solar and geothermal energy: Homeowners who have invested in solar or geothermal energy sources, or deliver surplus energy to the grid, not only enjoy dramatically reduced energy bills, but may cover the cost of utility inspections and reconnection costs.
Paperless discounts: If you choose to go “paperless,” you can expect many home insurance providers to offer a discount. All bills and policy information are submitted to you electronically, no paper involved.
Smart home technology: When a home is equipped with “smart” technology, including home monitoring systems, a homeowner may be eligible for a discount on home insurance policies.

How to secure homeowners’ insurance discounts?

Green home discounts

Other discounts

Choosing the right homeowners insurance company

General Liability, Professional Liability, and BOP: Which One Is Right for You?

Sun, 19 Feb 2023 11:00:00 GMT

General Liability Insurance

Bodily injury, if someone is injured on your business premises, for example in a slip or trip and fall accident
Property damage you or your employees may cause in the process of completing work
Advertising or personal injuries, such as libel, slander, or copyright infringement

Professional Liability Insurance

Claims made: To be covered, the incident must have occurred and been reported within the timeframe of the policy, unless a “tail” is purchased.
Occurrence: This covers any qualified claim resulting from an incident that occurred during the policy period, regardless of when the claim is reported.

Business Owner’s Policy (BOP)

General liability insurance
Property insurance to cover buildings and contents owned by your company
Business interruption insurance to cover loss of income resulting from a fire or covered event that disrupts your business operations. It may also cover the additional cost of operating temporarily out of another location.

What is Pet Insurance and Do I Need It?

Thu, 16 Feb 2023 11:00:00 GMT

Are There Different Types of Pet Insurance?

Basic coverage: This is the least expensive type of pet insurance. It helps cover illnesses, accidental injuries, and poisoning, but it provides the lowest reimbursement for procedures. Typically, a basic coverage policy comes with an annual deductible and places caps on reimbursement for each accident or illness, as well as a cap on total reimbursement for the policy period.
Comprehensive coverage: Although it costs more than basic coverage, comprehensive coverage provides more benefits. It covers accidental injuries, illnesses, emergencies, office visits, diagnostics, lab fees, X-rays, and prescriptions. Annual deductibles are generally lower than with basic coverage, but reimbursement is capped per accident or illness and for the policy term.
Well care protection: Pet well care protection reimburses owners for preventative care with no annual deductible for well care. It covers exams, vaccinations, flea prevention, and heartworm prevention. There may be a small deductible for medical services other than well care.

What Affects the Cost of Pet Insurance?

Species and gender: Dogs are more expensive to insure than cats. Insurance companies generally charge higher premiums for male animals.
Breed: Because they have more health issues and shorter life spans, larger breeds are more costly to insure. Some insurers may not cover certain breeds that are prone to hereditary conditions such as hip dysplasia.
Age: Generally, older animals cost more to insure than younger animals. Some insurance companies set age limits.
Location: Pet health insurance premiums can vary, depending on where you live. Costs tend to be higher in more densely populated areas.

What Is Not Covered by Pet Insurance?

Pre-existing or hereditary conditions
Dental disease
Behavioral issues
Hip dysplasia
Preventative care
Routine checkups
Grooming

Should I Insure My Home Based Business?

Wed, 08 Feb 2023 11:00:00 GMT

Entrepreneur.

What Types of Insurance Coverage Does a Home-Based Business Need?

Business property: If you use any equipment to operate your home based business, it should be insured against damage or loss. This may include a computer, printer, fax, office furniture, etc. Business equipment is generally not covered by homeowners policies, in case of a fire, flood, or other disaster.
Liability: This coverage protects your business from liability for damage caused to another person or property. If a carrier making a business delivery to your home is injured in a slip and fall on your property, you need liability insurance. Your homeowners insurance will not cover it.
Commercial auto: Your personal automobile insurance will not cover the use of your vehicle for business purposes. If you are involved in an accident, for example, while visiting a client, or picking up or delivering items for your business, you need commercial auto insurance to be covered.
Professional liability: Whether they are working in or out of the home, professionals need professional liability insurance for protection against claims made by clients or patients for negligence, failure to deliver, malpractice, misrepresentation, or mistakes. This type of coverage is necessary for doctors, lawyers, accountants, engineers, realtors, and any professional with expertise in a particular area. Professional liability is specialty coverage not provided under in-home business policies or homeowners endorsements.
Product liability: If your home based business manufactures or supplies a product, speak with our agent about product liability insurance. This coverage protects your business against product liability claims for damages or injuries caused by a product it designed, manufactured, or supplied.
Workers’ comp: If your home based business has employees, you may need workers’ compensation insurance. In some states, this coverage is mandatory if you have even one employee. Workers’ comp covers work-related injuries and illnesses. If your employee is injured on the job, it will cover related medical expenses and reimburse your employee for a portion of his or her lost wages.

5 Unconventional Businesses That Still Need Insurance

Thu, 19 Jan 2023 11:00:00 GMT

Dog Walker

Blogger

Handyman

Pet Sitter

Freelancer

How to Avoid Costly Claims from Winter Storms

Mon, 16 Jan 2023 11:00:00 GMT

Polar vortex
Freezes
Blizzards
Winter storms
Winter damage
Cold waves
Ice storms

Does Homeowners Insurance Cover Damage to My Home from Winter Storms?

Frozen pipes (not caused by maintenance failure)
Hail and wind damage (if there is no exclusion)
Snow and ice damage (which may not include damage from water seeping into your home)
Fire caused by space heaters, fireplaces and chimneys, or central heating systems
Slip and fall injuries to visitors because of icy sidewalks up to policy limits

How Can I Avoid Costly Claims from Winter Storms?

To Help Prevent Frozen Pipes

Drain sprinkler supply lines.
Drain and disconnect hoses.
Protect the most vulnerable pipes with pipe sleeves or heat tape.
Insulate pipes located in unheated areas, such as attics, basements, garages, and crawl spaces.
Keep your home heated. If you go out of town, set the thermostat at 65°F or higher.
Keep your garage doors closed.
In extremely cold temperatures, let cold water drip from the faucet.

To Help Minimize Snow Melt and Prevent Ice Dams on Your Roof

Install adequate insulation so heat remains in your home instead of escaping through the ceiling.
Ensure your attic is ventilated so cold air from outside can enter. If the attic becomes too warm, it can cause snow on the roof to melt, which can refreeze at the eaves, forming an ice dam.
Seal any gaps to prevent heat in the home from escaping into the attic.

To Help Prevent Winter Fires

Keep any heating device at least three feet away from any item that could catch fire.
Do not leave heaters unattended.
Follow manufacturer’s instructions when using heating equipment.
Have your chimney cleaned and inspected by a professional before the start of the winter season.

To Help Prevent Windstorm Damage

Inspect the exterior of your home for anything that may be loose, including shutters and gutters.
Bring in or remove anything outside that is not firmly attached, such as outdoor furniture, shade umbrellas, garden ornaments, and children’s play items or equipment.
Prune the trees around your home to help prevent flying branches in high winds.

What Can I Expect My Worker's Compensation to Cover?

Mon, 19 Dec 2022 11:00:00 GMT

Your business’s workers’ compensation policy protects against lawsuits filed by injured employees. The trade-off is the cost of these policies eats into your profits. Every workers’ compensation policy is slightly different, and it is important to know what it does and does not cover.

Your Workers’ Compensation Policy – Are You Getting the Best Deal?

Essentially, workers’ compensation covers injured or ill employees in job-related cases. These policies pay for:

Medical care
Ongoing treatments
A percentage of lost wages
Disability benefits
Funeral costs

A workers’ compensation policy will not pay these costs for injuries or illnesses unless they are work-related. State laws vary regarding workers’ compensation, but any business with more than a certain number of employees (typically five) must carry this insurance and keep the policy current. It comes with a significant level of protection – injured or ill employees, in most cases, are barred from filing a personal injury lawsuit against the business but can expect medical care and some percentage of the lost income.

Workers’ Compensation Fraud – Should You Worry?

Unfortunately, the workers’ comp system is also prone to fraudulent claims. An estimated $30 billion in fraud occurs every year, but most workers’ comp claims are legitimate. A claim filed and paid has an impact, raising the cost of premiums. It makes sense to carefully evaluate any workers’ compensation claim and ensure that you are not the victim of insurance fraud if you have doubts about the validity of a claim. If you do, you must notify your insurance carrier of your concerns so that they can investigate. As an employer, you have the right to dispute a claim under the processes required in your state.

Steps to Choosing the Best Coverage for Your Business

Business owners in most states will have two options for purchasing workers’ comp insurance: a State fund or a private insurance company. A few states offer only a state fund. The cost of this insurance is generally a big bite out of profits, so shopping around makes sense. Meet with a local business insurance agent to get multiple quotes before you commit. The issues to evaluate in a decision include:

Your state’s coverage requirements
Your industry requirements
Your annual payroll
History of workers’ comp claims
The cost of premiums

Reducing the Cost of Workers’ Comp – Your Options.

To make your company’s premiums more affordable, including shopping for a better deal with the help of a local workers’ compensation insurance agent who has access to the latest deals, which can change from year to year. Essentially, the fewer claims, the lower your premiums. It is in your company’s best interests to implement a customized workplace safety program with regular seminars and workshops for your employees. Fewer claims mean lower premiums.

Benefits: What Does Your Company Offer?

The job market has changed, with a low national unemployment rate. The best employees look at several issues when applying for a job, including the benefits package you offer. In workers’ compensation, how medical care is provided can vary. Some employers require injured workers to go to a specific medical provider or clinic, while others allow them to visit their own doctor. When planning your workers’ comp insurance, consider it part of the benefits package you offer your employees and that the best employees in the current job market are fielding many job offers – make yours among the best.

Should I Purchase a Car with License Plate Lights?

Fri, 16 Dec 2022 11:00:00 GMT

Depending on where you live, you may be required to have license plate lights. Consider buying a car with license plate lights or installing a light on your existing vehicles. The lights illuminate your license plate, and if your state requires it, ensure the lights are in good working order – you could be pulled over and cited if the light is burned out.

Advantages of License Plate Lights – Modern Technology

If you live in a gated community, the license plate recognition software at the gate makes entering easy. Toll roads are often equipped with similar technology, and an illuminated plate makes it possible to drive through toll gates without the need to stop.

Purchasing a Car: A Smart Investment.

When purchasing a car, whether new or used, the first requirement on the list is reliability. Many drivers rely on vehicle information found on sites such as consumer reports or Edmunds . These sites offer consumers valuable data on vehicle brands' performance and consumer reviews.

Before purchasing a used vehicle, ensure a full mechanical check is performed, including headlights, taillights, brake lights, and license plate lights, as well as all essential safety systems such as tires, brakes, airbags, seatbelts, transmission, and engine. This check can reveal issues that make the vehicle a poor choice – and save you from a series of costly repairs.

New Cars and License Plate Lights

All new cars are equipped with license plate lights, so if you purchase a new car, you are provided with these lights. New types of lights are becoming popular with vehicle owners, including LED lights, which last longer – but must comply with state law if you consider colored lights to customize your vehicle. You don’t want to be pulled over and cited.

State Vehicle Codes and License Plates

Every state has requirements regarding the visibility of license plates. Generally, you are required to ensure your plates are clean enough for numbers and letters to be readable, the plates are valid in your state, and your tags are current. You risk being pulled over if your license plate is dirty, muddy, or otherwise difficult to read. License plate lights can help keep you and other drivers safer on the streets and highways in your area. Imagine your vehicle is in a collision, and the driver flees the scene (hit and run). Using your phone to capture an image of the negligent driver’s license plate could save you from being forced to pay for costly repairs. Illuminated plates protect both you and the other drivers in your community.

Accidents and Insurance

Most people will be involved in an auto accident at some point in a lifetime, hopefully, a minor fender bender. However, even the safest driver can make an error, cause an accident, and be held liable – and that’s when your personal insurance could save you from a financial disaster. Your auto insurance may cover the cost of some losses, but in the case of a serious injury, the driver who caused the crash will be responsible for medical bills.

When the cost of medical care exceeds your auto insurance's bodily injury liability policy limits, your personal insurance policy brings an added layer of protection. For more information about personal insurance, meet with one of our local agents to review your insurance and advise you about the types of coverage that could protect you and your family.

3 New Year's Resolutions for Small Businesses

Fri, 09 Dec 2022 11:00:00 GMT

2023 is almost upon us, along with the long-held tradition of New Year’s resolutions. For individuals, after a season of parties, food, holiday cookies, cakes, and drinks, resolutions about losing weight are a common theme – but what about small business owners?

The New Year is the ideal time to set goals for the year, establish a workable plan to achieve those goals, and evaluate the current performance of your business.

Business Goal Setting for 2023

Small business owners are typically deeply involved in every facet of the operation, including hiring, sales, delivery, and financial planning. The COVID pandemic seriously impacted small businesses throughout the country, even with government help.

Layoffs, cutbacks, and budget trimming may have been the only way to survive. Other small businesses, particularly those that could continue to operate, or provide essential services, may have done well. With the pandemic fading, now is the time to plan for a profitable year. Rather than continuing with “business as usual,” the New Year is the ideal time to review the past year’s production and plan for the new. Three of the most important New Years’ resolutions for small business owners include:

Review your Marketing Spend.

Most small businesses invest in marketing but may not take the time to determine what worked, and what didn’t. If you use a marketing firm, whether online, traditional, or both, most companies offer analytics that can tell you much about where your customers are coming from. Once this is determined, you can “mine” that area more deeply in the coming year. Marketing initiatives that have not increased sales can be canceled, with the money dedicated to programs that are bringing in customers or clients.

Evaluate Your Online Presence.

Many small businesses have a website but may not have paid much attention to it over the years and may not realize it could be an untapped goldmine. Your potential customers are out there, and if they can’t find you, they will go somewhere else. It may be time for a site redesign, and an online marketing plan, built around your available budget.

Review your Business Insurance Policies.

Your business insurances are an investment every small business needs. A business changes year to year, and so do the business insurance coverages you need – and new programs may be available on the market. Take the time for a full review of your policies and coverages. Meet with a local business insurance agency to look over all your policies to ensure your business – and your years of dedication and hard work – are protected, and at the best rates.

Types of Business Insurance – What Do Your Business Really Need?

Every business has unique insurance needs. Depending on what you deliver to your customers, clients, or patients, you may need specific coverages. Some of the options include:

General liability insurance
Product liability insurance
Professional liability insurance
Commercial property insurance
Professional liability insurance
Workers’ compensation insurance
Cyber insurance
Umbrella insurance
Commercial auto insurance
Home-based business insurance
Business owners policies
Employment practices insurance

The basic minimum coverage for small businesses is general liability insurance, which covers your operation for issues such as bodily injury, property damage, claims of false advertising, and other risks. These policies vary in price and policy limits, and it is possible that you could find better coverage at a lower rate. Take advantage of the start of the New Year and meet with a local business insurance agent to review your coverage and find the best deals now available – your company’s survival is important to you, your employees, and the community at large, and deserves to be protected.

How to Protect Your Home During the Holidays

Thu, 08 Dec 2022 11:00:00 GMT

Most of us look forward to the holidays with anticipation. Family, friends, and work get-togethers, parties, events, and foods and treats make the winter holiday season a favorite for people of every age – but it is smart to be aware of the risks. To protect your home and your valuables, check out these practical home safety tips:

Protect your home from the risk of fire.

Candles are one of the most common causes of serious or deadly home fires. A candle, while bringing a lovely ambiance to a room or table, is a severe fire risk. The hot wax, when spilled, can ignite table coverings, floors, drapes, or furniture. While the soft, warm light of candles is warm and soft, it is strongly advised that rather than wax candles, you purchase LED light candles that provide a similar soft light, minus the risks. The National Fire Protection Association reports that about 8,200 candle fires occur each year. In some cases, the entire home and all the valuables within it are engulfed and gone forever.

Electrical cords and lights

Decorating your home with strings of lights inside, outside, and on indoor holiday trees is a season's tradition. However, it is vital that the lights you use are safe and installed correctly, as about 45 percent of home holiday tree fires start with strings of lights. Turn off the lights when away from home or while sleeping. Ensure the lights you use have the Underwriter’s Laboratory product safety logo (UL).

Could you check strings of lights before placing them on a tree or around the home to make sure no cords are frayed or broken? If you plan to put strands of lights outside, use plastic holders; never staples or nails. Place all extension cords in safe areas where they do not pose a tripping hazard, and be aware that too many strands can overload an electrical circuit, which could lead to fire and losses that will make the holiday season a nightmare.

Replace batteries in smoke detectors

Our home smoke detectors are a critical safety feature, but the batteries will not last forever. Replacing the batteries in these units before the holidays is a smart way to protect your family and home. As the batteries must be changed yearly, make it a habit to replace them just before the holidays to ensure your family is alerted in the event of a fire.

Traveling for the Holidays?

Protecting your home and valuables is of great importance if you plan to travel during the holiday season. It is a sad fact that home burglaries spike over the season. Home burglars target homes with poor security features, where it is more evident that the home is vacant, particularly in homes in more secluded areas. Set timers on your interior home lights, secure your valuables such as jewelry or other smaller items in a bank safe deposit box and install a digital doorbell that alerts you when someone approaches your home. If you have a security company, ensure you inform them that you will be out of town.

Have Guests Visiting? Safety Matters.

If you plan to have relatives or friends staying at your home, be aware that you may be liable in a lawsuit if someone is injured on your property. Please make sure you have adequate home insurance and liability coverage. A serious injury, such as a fall on a slippery walkway, a trip, a fall, or even food poisoning, can lead to a hospital stay or worse, and you may be responsible for the bills. Your personal insurance can help you through these events without suffering a financial disaster.

Your Personal Insurance Policies and the Holidays

It is advised that your personal insurance policies are reviewed yearly to ensure you are adequately covered should an unexpected problem arise, whether a burglary, injury on your property or fire. For help, contact one of our local agents, who can help you find protection for your home and valuables to best suit your situation at rates you can afford.

Is My Business Covered in the Event of a Cyber Attack?

Sat, 19 Nov 2022 11:00:00 GMT

The Costs of a Cyber Breach

Legal costs
The cost of a forensic investigation to identify who was affected by the breach
Potential fines and penalties
Credit monitoring for affected customers

Cyber Insurance and Exclusions

Types of Data Breaches Affecting Businesses in the USA

Confidentiality Breaches: These attacks involve an outside individual gaining access to private business and client information by accident. When this occurs, the affected patient, customer, or client can file a legal claim against the business to seek compensation for revealing private information.
Availability breaches: This type of breach is typically associated with ransomware, when huge blocks of data may be lost or destroyed, even if the ransom is paid.
Stolen information: An employee may access client information on a home device or phone, which opens the door for bad actors to gain access to client data, which they then sell to others involved in criminal activity.
Confidential data breach: An individual, either within the business or outside the business, gains access to private information and steals it from the business. These breaches may not be noticed for many months, as the individual may work within the company and did not leave a visible trail.

After a Cyber Attack, Will Fines be Assessed?

Get Help When Choosing Your Business Cyber Insurance

I Missed an Auto Insurance Payment: Here's What to Expect

Wed, 16 Nov 2022 11:00:00 GMT

What Happens if I Don’t Get My Payment in on Time?

What if My Car Insurance Payment Is More Than a Few Days Late?

What Should I Do if My Policy Has Been Cancelled?

What if My Policy Cannot Be Reinstated?

What Are the Consequences of Not Having Auto Insurance?

Driver’s license suspension: In many states, insurance companies are required to notify the government when drivers let their auto insurance lapse. It could mean automatic suspension of your driving privileges or your vehicle registration.
DMV administrative fees: In some states, drivers are required to pay administrative fees to the DMV for lapses in auto insurance coverage.
Higher auto insurance premiums: If you let your coverage lapse, even briefly, you are likely to see an increase in your auto insurance rates. Insurance companies want their policyholders to be reliable in their payments.
Lower credit score: Failure to pay your auto insurance premiums can impact your credit score, which can affect your ability to get a loan.

Top 3 Business Insurance Myths

Fri, 04 Nov 2022 11:00:00 GMT

1. A Small Business Doesn’t Need Insurance

2. Homeowners Insurance Will Cover My Home-Based Business

Endorsements: Adding an endorsement to your existing homeowners policy can increase your coverage for business equipment. You can also add a homeowners liability endorsement in case a client or delivery person gets hurt on your property.
In-home business policy: This type of policy can provide more comprehensive coverage for your home-based business. Policies can vary widely from one insurer to another. In addition to protection for your business property, most will reimburse you for loss of important records, and some will cover lost income from business interruption. Generally, these policies provide broader liability coverage with higher limits.
Businessowners policy (BOP): This type of policy is designed for small to mid-sized businesses. It is a good choice if your home-based business operates in more than one location. A typical BOP will cover business property and equipment, liability, loss of income, and extra expenses, on a much broader scale than an in-home business policy.

3. Business Insurance Is Too Expensive

If You Blog, You May Need Professional Liability Insurance

Wed, 19 Oct 2022 11:00:00 GMT

Business Blogging and Liability

Claims of libel: If a blog mentions a competitor or a product, it can trigger a lawsuit by the named person or manufacturer who accused you of libel.
Claims of invasion of privacy: Posting images is always a good idea, but you must ensure the person in the image approves the publication of an image.
Securities fraud: A company that promotes themselves through a blog must be very careful with the words used, or may be subject to scrutiny and legal problems from the SEC.
False advertising claims: If you promote your product, company, or services in a blog, and a consumer claims the blog presented false information or the product did not perform as described, you may be facing a false advertising claim.
Defamation claims: A person mentioned in the blog may take offense to what is written and file a defamation lawsuit against you.

Blog for a Living? Get Covered with Liability Insurance.

What is Business Liability Insurance?

Choose the Best Blogger Liability Insurance

What Steps Should I Take When in an Auto Accident?

Tue, 18 Oct 2022 11:00:00 GMT

Step One: Injuries? Call 911. Thoroughly check yourself and your passengers for injuries. If anyone in your vehicle is injured, call 911 at once so that emergency services can be dispatched to the accident site.
Step Two: Move to a Safe Location. In a minor collision, move your vehicle to the side of the road to avoid the risk of another collision. If the accident is more serious, leave the vehicle in place and get to the side of the road or sidewalk if possible.
Step Three: Stay Calm, Wait for Help. It may take some time for emergency services or law enforcement to arrive. Stay calm and provide basic care to the injured, applying pressure with a piece of clothing to bleeding wounds.
Step Four: Exchange Information. Exchange insurance information with other drivers in the auto accident. Do not discuss who was at fault, or what happened.
Step Five: Take Pictures. Use your phone to take pictures of the vehicles, skid marks on the road, license plates, and your injuries. These images can be critical as evidence when filing a claim.
Step Six: Get Contact Information from Eyewitnesses. Get the contact information (name, address, phone number) of any witnesses to the collision who have stopped to render aid.
Step Seven: Undergo a Full Medical Evaluation. The adrenaline released into your system in an auto accident suppresses the sensation of pain. You may feel you are fine, but in a day or two, could suffer the effects of the collision, suffering intense pain, severe bruising, or worse. Tell the medical professional attending you that you were in an auto accident, so the information is entered on your chart and the right tests are performed.

Recovering from an Auto Accident and Your Personal Insurance Policy

Personal Insurance and Auto Accidents

No-Fault Personal Insurance

Need Help?

How Will Inflation Impact My Coverage?

Thu, 13 Oct 2022 11:00:00 GMT

Commercial property insurance: The construction industry is suffering growing pains, exacerbated by the radical increase in the price of materials. Replacing or repairing any damage to a facility will be much more costly than it was in the past, and you can expect to see higher rates for coverage.
Commercial auto insurance: The auto industry has been affected by inflation, with the cost of repairs to vehicles on the increase, with added issues related to chip shortages. Your commercial auto insurance may increase in cost due to this situation.

How to Manage the Impact of Inflation on Your Business Insurances

How to Lower Your Business Insurance Premiums

Is Inflation Slowing?

The Labor Market, Inflation, and Insurance

What You Should Know Before Becoming an Airbnb Host

Tue, 11 Oct 2022 03:00:00 GMT

Risks vs. Rewards

Guest Quality

Protecting Against Losses with Insurance

Injuries on Your Property

It’s All In the Fine Print

Home Maintenance Checklist: Step by Step Guide to Prepare Your Home for the Fall

Fri, 16 Sep 2022 11:00:00 GMT

Clear out Gutters

Inspect Windows and Doors

Heating System Check

Plumbing Check

Yard Check

Chimney and Fireplace Check

When Something Goes Wrong – Your Insurance Matters.

The Right Insurance Policies – For You.

How Should I Budget for Business Insurance?

Sun, 04 Sep 2022 11:00:00 GMT

Business Insurance Options

General liability insurance: This insurance is usually ideal for small business owners, as it covers the cost of personal injury lawsuits, third-party property damage claims, lawsuits regarding defamation, copyright infringement, or false advertising.
Commercial property insurance: Your business assets are valuable, and must be protected against losses from theft, damage to inventory, equipment, or office furnishings.
Business interruption insurance: If your operation is shuttered due to storm damage, fire, or other incident, this insurance can help you avoid losing valuable employees and repairing the damage.
Data breach insurance: If a cyber incursion has stolen the private information of your customers, clients, patients, employees, or other, the costs involved can be astronomical. Many companies choose to invest in this insurance, as cyber crime is at an all-time high.
Commercial umbrella insurance: This insurance adds another layer of protection to your liability coverage.
Commercial auto insurance: If your business uses vehicles, commercial auto insurance can protect you should an employee be injured, cause an accident, or other incident.
Business owner’s policy: These policies are designed for small businesses, covering both property and liability insurance.
Employment practices liability insurance: This insurance protects businesses from lawsuits associated with the treatment of current or former employees, such as claims for discrimination, wrongful terminal, sexual harassment, etc.
Product liability insurance: If your business sells a product, this insurance protects against losses should your business be accused of a product that caused injury or damage to a consumer, including in manufacturing, design, marketing, and consumer use.

How to Choose the Right Business Insurances

How Small Businesses Can Avoid Insurance Mistakes

Fri, 19 Aug 2022 10:32:00 GMT

Thinking that two insurance agents are better than one: This is simply not so. When you use more than one agent, you are setting your business up for lost discounts (higher premiums) and potential gaps in coverage. It is better to use one agent for all your business insurance needs.
Buying unneeded insurance policies: This is one of the most common mistakes of small business owners – paying for coverage they don't need. Our insurance agency can help you determine the coverage you need and the most economical way to obtain it.
Only buying general liability insurance: This could be a serious mistake. While general liability insurance can protect you from many business risks, it does not cover everything. Work with our knowledgeable insurance agent to evaluate your risks and determine what additional coverage you need.
Not buying loss of income coverage: Also known as business interruption insurance, this covers loss of business income in the event of a disaster. Property insurance only covers physical damage should a disaster require you to shutter your operations. Loss-of-income coverage can be added as a rider to your business owner's policy or business property insurance policy.
Not keeping policies updated: Successful small businesses are continually expanding and evolving. It is essential to review with your agent and update business insurance policies accordingly at least once annually, if not more frequently.
Paying too much for business insurance: Always shop the coverage offered to find the best rates available. Our agent will work hard to help ensure that you have the right business insurance coverage for the lowest available premiums.

Does Your Auto Insurance Cover Air Conditioning?

Tue, 16 Aug 2022 11:04:00 GMT

Driving a car with no A/C can be miserable during the hot summer months, particularly during a heatwave. As important as it is to your comfort and that of your passengers, automotive air conditioning can be expensive to repair or replace when it breaks down or malfunctions. In many cases, when the A/C malfunctions it is considered normal wear-and-tear and not covered by auto insurance…

How To Control Workers' Compensation Costs

Fri, 05 Aug 2022 13:17:00 GMT

Implement a Formal Safety Program

Establish a Return-to-Work Program

Use Medical Providers That Are In Network

Complete the Annual Workers' Compensation Experience Mod Audit

Choose the Right Rating Plan

Be Sure to Get Value for Your Premium Commission

Save Money During The Hot Summer Months

Thu, 04 Aug 2022 16:58:00 GMT

Replace AC Filters Regularly

Turn Off the AC in the Cooler Hours

Dry Your Laundry on a Line Outside

Get Outdoors in the Long Summer Evenings

Cook Outside in Hot Weather

Amount of coverage
Location
Neighborhood crime
Condition, materials, and age of home
Fire safeguards
Bundling with other policies, such as auto insurance

Shop for Summer Projects at the End of the Season

Commercial Insurance: Protection Against Lawsuits

Wed, 27 Jul 2022 11:25:00 GMT

Do You Have The Right Level Of Protection?

Business Insurance In Your Area

Need Motorcycle Insurance?

Sat, 23 Jul 2022 10:09:00 GMT

Protection After an Accident or Theft

Commercial Auto Insurance: What Is The Best Coverage?

Mon, 18 Jul 2022 09:40:00 GMT

The Right Commercial Auto Insurance for Your Company

Save Cash With These Summer Home Tips

Thu, 14 Jul 2022 10:00:00 GMT

Replace your air filters in your air conditioner and vents. Accumulated dust, dirt, and other allergens can all cause your system to work less efficiently.
Clean out debris from your outside air conditioning unit and water heating unit.
Inspect and make repairs to any leaking ducts. In many cases, your homeowners insurance policy will cover this type of repair.
If you do not have one already, get a programmable thermostat and set it to 78 degrees Fahrenheit when you are at home and higher when you are away.
Check for sources of phantom power, as these can drive up electrical costs. Disconnect electronics, appliances, and tools when they are not in use. Leaving these plugged in will continue to cause a drain in power.
Clean your ceiling fans and window fans, then make sure they are operational. Using a fan to circulate air can significantly cut down costs during the summer months.
Check windows and doors for leaks. Make necessary adjustments so that hot air does not seep in and cooler air stays inside.
Turn your water heater down to the warm setting. There is no reason to heat up your water as much over the summer months as the water will have time to warm up on its own while sitting in the tank and pipes.
Set a schedule so that you only run your dishwasher, washing machine, and other key appliances during off peak hours and when you have a full load. Use cold water settings. Let the sun dry your laundry if possible, as this will not only save money, but also make your items smell fresh and clean.

5 Medical Malpractice Insurance Myths

Sun, 19 Jun 2022 09:25:00 GMT

You Cannot Be Sued for More Than Your Policy Limits

Only Doctors Need Medical Malpractice Insurance

If You Are Covered Under Your Employer, You Don’t Need Your Own Malpractice Insurance

Having Personal Malpractice Insurance Makes You a More Likely Target for a Lawsuit

Doctors No Longer Need Medical Malpractice Insurance Once They Retire

5 Boat Safety Tips for the Summer

Thu, 16 Jun 2022 09:21:00 GMT

Don’t Drink While Boating

Wear a Life Jacket at All Times

Watch Out for the Propellers

Perform a Boat Safety Check

Do a routine safety check of the boat.
Make sure you have a full tank of gas.
Check engine oil and transmission fluid levels.
Ensure your battery is fully charged and electronic and other components are in good working condition. The boat should be stocked with safety equipment, including a fire extinguisher, boat lights, extra batteries, cell phone, flares, maps, and a first aid kit.

Pay Attention to the Weather

Is Your Small Business Recession Proof?

Sat, 04 Jun 2022 09:23:00 GMT

Get a Handle on Your Cash Flow

Develop Multiple Revenue Streams

Budget Spending According to Revenue

Arrange for Financing Before You Need It

Build Existing Client Relationships

Be Prepared to Diversify

6 Things You Shouldn’t Store in Your Garage

Wed, 01 Jun 2022 09:18:00 GMT

Make Sure You Have the Right Homeowners Insurance Coverage

Common Types of Surety Bonds & How They Work

Thu, 19 May 2022 09:40:00 GMT

The Principal: The individual who is required to have a surety bond.
The Obligee: The individual requesting the bond.
The Surety Company: The company guarantees payment to the Obligee in a claim.

Types of Surety Bonds

Contract bonds: These bonds are put in place and are often required for large construction projects. These are the most common type of surety bonds and are put in place to protect the Obligee when the Principal fails to meet their contractual obligations. The bonded party is financially liable.
Commercial bonds: A commercial bond may require some commercial legal entities to obtain a license. These bonds are geared to ensure that professionals act legally and ethically when practicing their profession. A party that violates these standards is held liable.
Court bonds: A court bond may be required in some legal proceedings. These bonds are most often required in civil proceedings.
Fidelity bonds: These surety bonds protect businesses and their clients if an employee acts unlawfully. Many business owners add this added layer of protection to their business insurance portfolio. A fidelity bond can be of great benefit to business owners who face legal repercussions due to the actions of an employee.

Contract Surety Bonds

Bid bonds: These bonds are put in place to guarantee that a contractor can deliver the work as submitted in a bid.
Performance bonds: These surety bonds protect the Obligee if a contractor does not complete a project as written by the contractor.
Payment bonds: These bonds protect an Obligee should a contractor fail to pay subcontractors on a project and are typically a requirement for contractors on federal and commercial projects.
Maintenance bonds: These surety bonds are often referred to as "warranty bonds." They are put in place to protect the project owners from losses associated with faulty materials or poor workmanship on a project.

Commercial Surety Bonds

License and permit: If you are applying for a professional license, you may be required to purchase and submit a license or permit bond.
Mortgage broker: Mortgage broker bonds are put in place to protect borrowers should a mortgage broker fail to operate ethically as required by the state.
Others: Other types of surety bonds may be required by liquor companies, utility providers, warehousing firms, auto dealers, and many other business activities.

Need a Surety Bond?

Understanding What Your Home Insurance Policy Covers

Mon, 16 May 2022 09:34:00 GMT

Home Insurance Basics

Cash value of your home
Cost to replace your home
Extended home replacement

Covered Perils

Liability Coverage

When You Need a New Place to Live

4 Things to Know About Employment Practices Liability Insurance

Wed, 04 May 2022 09:36:00 GMT

This insurance helps you pay to defend against employment-related claims and pay any damages awarded.

Employment-related claims are at an all-time high.

Your employees must be legal hires.

These policies do not cover contractors or employees who are working overseas.

The Costs to Your Business

How to Travel Safely with Travel Insurance

Sun, 01 May 2022 09:27:00 GMT

What is Vacation Travel Insurance?

Covered Risks – The Options

You may need to cancel a trip due to a medical or family emergency.
You may have a legal situation that requires you to cancel your trip.
While on vacation, you may suffer an illness or injury that requires medical care.
Your baggage may be stolen or seriously delayed.

What Can Travel Insurance Do for Me?

How Much Does Travel Insurance Cost?

Travel Insurance and Your Budget – What’s Right for You?

Effective Risk Management Tips for Breweries

Tue, 19 Apr 2022 10:09:00 GMT

Proper Spill and Broken Glass Cleanup Processes

Do Not Over-Serve

Employ the Correct Tank and Line Cleaning Processes

Protect Your Brewery with Patents, Trademarks, Trade Secret Protections, and Contracts

The Right Business Insurances

Home Renovations That Can Affect Your Insurance

Sat, 16 Apr 2022 10:05:00 GMT

Pools

Additions

Kitchen Remodels

New Roof

Home Renovations and Insurance Coverage

5 Types of Cyber Criminals & How to Avoid Them

Mon, 04 Apr 2022 09:07:00 GMT

Phishing

Hacking

Former or Disgruntled Employees

Ransomware

Digital Stalkers

Your Business Insurance and Cyber Crime

5 Spring Home Maintenance Tips

Fri, 01 Apr 2022 10:02:00 GMT

Roof Inspection

Gutter Cleanup

Change HVAC Filters

Window Screen Cleaning and Repair

HVAC Service

What Can Personal Insurance Do for Me?

Commercial Umbrella Insurance 101

Sat, 19 Mar 2022 09:50:00 GMT

What Risks Does Umbrella Insurance Cover?

Personal injury claims
Property damage claims
Advertising injury claims
Medical payments
Attorney fees
Damages

Is Umbrella Insurance Necessary?

How Much Does Umbrella Insurance Cost?

Inherent business risks: Every company is different in the goods or services it provides, and some types of businesses come with higher inherent risks, such as construction. A work environment that includes machinery, vehicles, or offers a product that could pose a danger to consumers may be at risk of a lawsuit to seek damages, whether from an employee, visitor to the business, customer, or client. Evaluating the risks of your enterprise can assist in choosing an umbrella insurance policy needed for an added layer of protection.
The value of all your business property: Your business owns many assets, including property, equipment, electronic devices, furniture, and other items that are costly to replace. The value of your business property must be evaluated when determining the type of umbrella insurance policy needed.
Your current business assets: A high-value lawsuit may exceed the value of your business assets, leading to extreme financial losses related to attorney fees, damages, and judgments. The umbrella policy you select will come into play if the costs exceed the limits on your other business liability insurances, whether general business insurance, business owners’ policies, professional liability insurance, and others.

Will an Umbrella Policy Cover All Business Risks?

Motorcycle & Boat Coverage During Winter: Laid Up vs. Canceling

Wed, 16 Mar 2022 09:42:00 GMT

What is Lay-Up Insurance?

Increasing Your Deductible

Canceling Motorcycle or Boat Insurance

Winterizing Your Boat or Bike

Protect Your Investment with Lay-Up Insurance

General Liability vs. Professional Liability Insurance

Fri, 04 Mar 2022 09:47:00 GMT

General Liability Insurance: What Does it Cover?

The costs associated with damage claims against your business.
The cost of medical treatment for a person injured on your property.
Court costs, judgments, and settlements, up to the policy limits, for covered claims.

What is Professional Liability Insurance?

Keep Your Company Safe with the Right Insurances.

How to Create a Home Inventory

Tue, 01 Mar 2022 09:37:00 GMT

Start in one room in your home. For example, if you begin the process in the kitchen, use your cellphone to take images of your dishes, pots and pans, and all other items, including stove, fridge, appliances, etc. Make a list of all the items, and the value of each. Describe the items, where they were purchased, the cost, and the make and model of each. Find invoices if you can. For appliances, note down the serial numbers found on the item.
Move to the next room in your home and continue the process. In the living room, take images of your furniture, any valuable works of art and other items, make a written list of where the items were purchased and the cost, and find any existing invoices for the purchase.
Move to the bedrooms. For clothing and shoes, make a count of each type of garment, such as “15 shirts, 12 pairs of shoes, 5 pairs of boots,” etc. If you own expensive designerwear, ensure your list notes the purchase cost, where and when purchased, and the value of the garments. Take images of your bedroom furniture and other items, find invoices if possible, and list the value of each item.
Create a list of your jewelry, with images of each piece. Check the value of each piece online so your items are given the current value, which in many cases, is higher than when the piece was purchased.
Inventory your electronics. Make a list of all your electronic equipment, along with serial numbers, where purchased, and what you paid. TVs, gaming systems, laptops, phones, and all other electronics should be fully documented as these items are expensive to replace.
Value your sports equipment. If you own expensive sporting equipment, follow the same procedure, taking images or video, and listing each item by cost, where purchased, and other pertinent information.
Receipts. If you have not already done so, create a file of receipts. You can search for receipts online if you do not have hard copies. Make a digital and physical file and save receipts for all new purchases.

How to Store Your Home Inventory

3 Myths About Workers’ Compensation

Sat, 19 Feb 2022 09:26:00 GMT

My Business Is Small with Low Risk of Injury, So I Don’t Need Workers’ Compensation Insurance.

My Employees Are Like Family – They Would Never Sue Me.

Workers’ Compensation Insurance Is Too Expensive. I’ll Just Pay Out of Pocket If One of My Employees Is Injured.

What If My Business Is Seasonal?

4 Ways to Protect Your Rental Property

Wed, 16 Feb 2022 09:15:00 GMT

Purchase Landlord Insurance

Buy an Umbrella Policy

Have a Home Warranty Plan in Place

Check Out Your Tenants Carefully

Using Equifax to learn the applicant’s credit score
Contacting the employer to get an idea of how reliable the applicant’s income is
Searching criminal conviction databases for your prospective tenant’s name

What Is Cargo Insurance and Why Is It Important?

Fri, 04 Feb 2022 09:20:00 GMT

What Are the Benefits of Cargo Insurance?

What Are the Main Types of Cargo Insurance?

Land cargo insurance: This type of insurance covers cargo carried by trucks, utility vehicles, and other types of land transportation. It is typically used for domestic cargo. Land cargo insurance covers collision damage, theft, and other risks involved in shipping freight by land.
Marine cargo insurance: This insurance is primarily for international shipping. It covers cargo shipped through the ocean and air freight. Coverage includes damage from weather conditions, piracy, loading or unloading, and other risks.

What Types of Marine Cargo Insurance Policies Are Available?

What Is Not Covered by Cargo Insurance?

Damage caused by improper packaging
Damage due to faulty products
Specific types of freight, including hazardous materials, certain electronic products, and valuable or fragile items
Freight moved by other modes of transportation than ship, plane, or truck

Which Disasters Are Covered by Home Insurance?

Tue, 01 Feb 2022 09:30:00 GMT

What Does Standard Homeowners Insurance Cover?

HO-1

Fire
Lightning
Windstorms and hail
Aircraft or vehicles
Smoke
Vandalism
Theft
Volcanic eruptions

HO-2

Falling objects
Weight of snow, ice, or sleet
Accidental discharge or overflow of water or steam from plumbing, heating, air conditioning, or fire-protection sprinkler systems, or household appliances
Freezing of plumbing, heating, air conditioning, household appliances, or automatic fire-protection sprinkler systems
Sudden tearing apart, cracking, bulging, or burning of steam or hot water heating systems, or air conditioning or automatic fire protection systems
Sudden, accidental damage from artificially generated electrical current

HO-3

What Disasters Are Not Covered by Home Insurance?

Floods: All types of homeowners insurance exclude coverage for floods. If you live in a flood zone, you can purchase separate flood insurance through an agent, or the National Flood Insurance Program (NFIP). The cost of flood insurance varies from state to state and according to how high the flood risk is based on the location of your home.
Earthquakes: Like floods, earthquakes are not covered under homeowners insurance policies. However, most insurers offer an earthquake endorsement you can add to your policy for an additional cost. Homes in nearly half the states in the U.S. are at risk for earthquake damage.
Tsunamis: These giant waves are typically caused by underwater volcanic eruptions or earthquakes. Although tsunamis are not a covered peril under homeowners policies, flood insurance can cover the damage they cause.
Nuclear event: A nuclear event or explosion could damage your home. Nuclear plants are required to carry liability coverage to protect the public in case of property damage or injury.

Do I Need Business Insurance to Rent an Office Space?

Wed, 19 Jan 2022 14:50:00 GMT

Why Do You Need Business Insurance for a Rented Office Space?

The landlord may require it: Many commercial landlords require proof of insurance coverage – a certificate of liability -- before they will rent to or enter into a lease with a tenant. Generally, commercial property owners require you to have commercial general liability insurance to cover potential damage to the building or the property of other tenants. Typically, this type of policy will also cover theft committed by people you invite into the building.
Protection for your belongings: The landlord’s insurance coverage protects the physical structure, but not for your business property located within a rented office space. Property coverage included in your business insurance policy can protect you against accidental damage or theft of business valuables, such as computers, equipment, furniture, inventory, and files.
Additional responsibilities under the lease: Read your lease carefully to find out what types of building damage you may be responsible for. Some landlords may require tenants to be responsible for modifications they have made to the interior of the space, building glass, and even air conditioning or heating units.
Accidental damage: If you or an employee accidentally starts a fire, it could do severe damage, not only to your business property but to other businesses and the building itself. The property owner and the other businesses could sue you for damages. They could also sue you for business interruption caused by the fire.
Personal injury: A client or someone visiting your office could slip or trip and fall, or otherwise sustain an injury on your business premises. The injured party may sue you for damages. Liability coverage can help with your legal fees and any settlement or award. If the accident or injury occurred in a shared area of the building, the property owner may be responsible. If it occurred within your office space, your business may be responsible for the injured person’s medical bills and other damages.
Business interruption: This type of insurance provides financial protection in case an incident prevents your business from operating as usual. For example, a fire in the building could force you to relocate, which could lead to lost business and profits. Business interruption insurance can help cover the losses.

How to Keep Your Backyard Campfires Safe

Sun, 16 Jan 2022 14:35:00 GMT

Risk of Injury With Backyard Fire Pits

NBC News

Safety Tips for Backyard Campfires

Check with local authorities to make sure burning is allowed: Rules can change depending on wind, lack of precipitation, and other factors.
Build your fire in a safe area: It should be in an enclosed area, such as a fire pit or bowl, where the fire can be contained. The spot you choose for your campfire should be in the open, away from structures and trees. Make sure no tree branches are overhanging the fire, as flying sparks could set a tree on fire.
Clear the fire pit area: Clean out any fallen leaves or debris before you start a campfire. Remove old ashes from the pit, and make sure you have fire extinguishing supplies nearby.
Use only the right fuel for your fire pit: If it is designed to burn wood, use seasoned, dry wood, which burns hotter and cleaner. Do not burn old pieces of furniture or anything painted, stained, or chemically treated. Start small and build your fire up gradually. Avoid using lighter fluid to start a fire, as this can lead to dangerous flare-ups.
Do not take your eyes off young children while a fire is burning: Instruct them to stay 10 feet back from the fire and remind them of all the safety rules. It takes only a few seconds for a serious accident to occur.
Extinguish the fire properly when the night is over: Check manufacturer guidelines and ensure you have all the necessary tools. All embers should be out and should not be emanating heat. A campfire that is still smoldering has the potential to spark and start a fire on your property. Children should be supervised until the temperature returns to normal.

4 Winter Risks and How to Protect Your Business From Them

Tue, 04 Jan 2022 14:47:00 GMT

Slip or Trip and Fall Accidents

Promptly remove snow from parking lots and walkways. If you outsource snow removal, make sure the company is reliable and can provide proof of liability insurance.
Keep plenty of ice melt or sand on hand for use on sidewalks and steps.
Make any necessary repairs to parking lot potholes, handrails, and outdoor steps.
Placemats with non-skid backing that absorb water inside doorways to keep ice and snow from being tracked indoors.
Inspect floors regularly and promptly mop up any puddles caused by melting snow. Use “wet floor” signs as needed.

Frozen Pipes and Water Damage

Maintain a consistent temperature in the building. Set the thermostat to keep the temperature even when the business is closed, for example in the evenings, on weekends, or during holidays. Consider installing a system to alert you if the temperature falls below a certain point.
Stop pressure from building up in pipes. If the forecast predicts a winter storm or extreme cold, leave faucets in the building slightly open to a steady drip to help prevent freezing.
Install a backup power source, such as a generator, to warm your building in case of a winter storm power outage.
Seal the building. Hire a contractor to repair or caulk cracks or holes in the building exterior. Cover pipes at risk of freezing and ensure your building is properly insulated.

Roof Collapse From Heavy Snow Buildup

Business Interruption from Winter Storms

Comprehensive vs. Collision Auto Insurance

Sat, 01 Jan 2022 09:25:00 GMT

What Is Comprehensive Auto Insurance?

What Does Collision Cover?

Why Buy Collison and Comprehensive Auto Insurance?

Do You Need Both Comprehensive and Collision Coverage?

Your car is newer or of higher value: This means you have more to protect and may not want to risk paying out of pocket for repairs or replacement.
You commute or frequently put a lot of miles on your vehicle: The more you drive, the greater the risk of an accident.
You live in an area where damage is more likely to occur: If the area where you live or frequently drive has wildlife, such as deer or elk, a greater possibility of falling tree branches, or a greater likelihood of other types of damage, added protection may be a wise choice.

How Do Collision and Comprehensive Insurance Work?

7 Mistakes Small Business Owners Make When Filing Claims

Sun, 19 Dec 2021 14:38:00 GMT

As a small business owner, you have consistently paid your insurance premiums. When the time comes to file a claim, it can be a shock to have your claim denied and be forced to pay out of pocket – especially when you believed you were covered. Our local [bf_location field=state] agents at [bf_location field=company_name] are here to highlight the most common mistakes small business owners…

6 Tips to Prepare for Power Outages

Thu, 16 Dec 2021 14:12:00 GMT

We rely on electricity to stay warm, keep our homes illuminated, cook, heat or pump water, and to keep us entertained on our TVs and other devices. A power outage can be a short-term annoyance or last for days. It is worthwhile, with weather systems changing, to have a plan in place, so your family stays safe in a lengthy power outage. Keep a Supply…

How to Choose the Right Restaurant Insurance

Sat, 04 Dec 2021 14:34:00 GMT

General Liability Insurance: This insurance (often called business liability insurance) protects your business should a patron or employee be injured, or their property damaged while at your facility. This insurance pays for the legal costs of defending against a lawsuit, medical expenses for any person who is injured on your property, and for judgments and settlements, up to specific limits.
Liquor Liability Insurance: If you serve alcoholic beverages, ensuring your restaurant is covered should a guest injure another person, your restaurant could be named in a lawsuit. This coverage protects against this eventuality.
Commercial Property Insurance: This type of restaurant insurance can be a lifesaver. The insurance covers the costs related to fire damage to your facility or equipment, or the cost of replacing stolen items.
Business Interruption Insurance: This coverage protects against external factors that impact your ability to do business. When a covered peril leads to the need to close your restaurant for a period, this insurance covers direct physical loss or damage.
Food Contamination Insurance: This insurance, often called “food poisoning insurance” protects you should a patron become ill after eating at your restaurant. Whether the problem occurred due to contaminated ingredients from a vendor or some error in your restaurant, you will be covered.
Auto Liability Insurance: If you deliver food and use a driver from your restaurant, you must have auto liability insurance to ensure you do not face a financial disaster if the driver gets into an injury accident.
Machinery Breakdown Insurance: Restaurant equipment is costly, and so are equipment breakdowns – you may be forced to shutter your restaurant when equipment fails. Machinery breakdown insurance covers the cost of machinery repair or replacement. This insurance should cover the cost of replacing perishable goods destroyed when a freezer or refrigeration unit fails.

Heading Out of Town? Remember These Driver Safety Tips

Wed, 01 Dec 2021 14:09:00 GMT

NHTSA

How to Promote Your Brand for Small Business Saturday

Fri, 19 Nov 2021 15:35:00 GMT

businesswire.com

Offer Special Promotions

A free gift with a purchase
Bundled services and/or products suitable for gifts
Sale prices on specific products or services
Buy one, get one free, or buy one, get one at a discount specials

Market By Email

American Express

Use Social Media

Canva

Cross-Promote

Utilize Business Directories

Google My Business

Use Local Media

How to Keep Your Pets Happy and Protected

Tue, 16 Nov 2021 15:29:00 GMT

Don’t Share Food With Your Pets

Give Them Good Food

Pet-Proof Your Home

Spend Time With Your Pets

Keep Up With the Grooming

Put a Collar On Your Pet

Provide Preventative Care

Purchase a Pet Insurance Plan

Business Insurance to Protect Your Veteran-Owned Company

Thu, 04 Nov 2021 15:33:00 GMT

Protections for Veteran-Owned Businesses

Assets of the business

Liability protection

Errors and omissions

Vehicles used in the business

Employee on-the-job injuries and illnesses

Data breaches

Package Your Veteran-Owned Business Insurance

Safeguard Your Property During the Holidays

Mon, 01 Nov 2021 15:28:00 GMT

Common Holiday Homeowners Insurance Claims

Property Damage and Injuries

Theft

Fire

NFPA

Credit Card Theft

Types of Protection Provided By a Homeowners Policy

Dwelling: This coverage protects your living space and attached structures, such as a carport or garage. It should provide protection for damage caused by fire, lightning, sleet, snow, explosions, theft, or vandalism.
Personal liability: This applies to incidents in which you are held liable for personal injury or property damage sustained on the premises by someone other than a member of your household, or caused by your child or pet.
Medical: This coverage included in your homeowners policy pays for medical expenses of an injured guest, regardless of fault.
Personal property: Personal property coverage protects you from loss of your home’s contents, including clothing, furniture, electronics, and appliances.
Additional living expense: If a disaster such as a fire forces you to move to another residence temporarily, this coverage helps pay for your living expenses.

A Savvy Business Owner’s Checklist for Cyber Insurance Coverage

Tue, 19 Oct 2021 15:16:00 GMT

Decide Whether Your Business Needs Cyber Insurance

Handles sensitive information: This can include a lot more than health information, Social Security numbers, bank accounts, etc. Even the most seemingly harmless information can be used by cyber attackers.
Has staff who use their own devices: Cell phones, laptops, and other electronic devices can be lost or stolen. If this occurs, it can give criminals access to important company information, including confidential data.
Hosts a public website: If your website interacts with clients or customers and stores their login data, you are vulnerable to cyber theft.
Uses a third-party vendor: If your company has a third-party vendor supplying goods you sell, providing an online shopping facility, or managing your database, you may be vulnerable to cybercrime. You don’t control the level of security provided by a third party.
Relies heavily on confidentiality (for example, a dating website).
Gather information that, if lost, could result in embarrassment, invasion of privacy, or bullying.

Determine What to Look For in a Cyber Insurance Policy

Custom-Tailor Your Cyber Insurance Policy Outline

The level of risk your business is facing
The type of policy (package or standalone) that works best for you
Whether coverage includes third parties
Types of coverage (network security, privacy liability, media liability)
Amount of coverage your business needs

Ask Questions of Potential Providers

Policy exclusions
Deductible amounts
Response time after a data breach
Timeframes for coverage
Geographical coverage area (is coverage limited to within U.S. borders?)
Types of covered incidents (do they include unintentional or non-malicious attacks?)
How coverage and policy limits apply to first (policyholder) and third parties
Premium increases after claims are made
Auditing or compliance obligations
How provider handles cyber threats

Millennials and Home Insurance

Sat, 16 Oct 2021 15:09:00 GMT

article

Renters Insurance

Condo Insurance

The condo unit itself, including the walls and fixtures
Personal property contained in the condo, such as electronics, furniture, and any moveable goods
Loss of use: Costs of lodging and transportation if your unit has been made uninhabitable
Personal liability: This covers legal costs and provides protection in case of lawsuits or claims made against you
Loss assessment: Coverage for your individual share of condo association losses

Homeowners Insurance

Do I Need Business Insurance for My Side Gig?

Mon, 04 Oct 2021 15:15:00 GMT

Does Every Side Gig Need Business Insurance?

Are business packages delivered to your home?
Do customers or clients come to your home?
Do you use your vehicle for work?
Do you handle any sensitive material or process payment information?
Do you work with children or animals?
Could anyone be injured or become ill as a result of your business?
Could a major inventory loss or lawsuit wipe you out?

What Types of Gig Insurance Do I Need?

General Liability Insurance

Professional Liability Insurance

Cyber Liability Insurance

The DIY Guide to Winterizing Your Boat

Fri, 01 Oct 2021 15:06:00 GMT

Steps for Winterizing an Inboard/Outboard Drive Boat

Gather Your Tools and Supplies

Oil suction pump
Lube injection pump
Drain plug gaskets
Screwdrivers
Socket wrenches
Combination wrenches
RV antifreeze
Fogging oil
Oil filter
Motor oil
Bucket

Clean the Carburetor and Change the Engine Oil

Drain Off the Coolant

Lubricate Lower Unit

Charge the Battery

Get the Right Insurance Coverage

The Ins and Outs of Business Contents Insurance

Sun, 19 Sep 2021 14:55:00 GMT

Items Covered By Business Contents Insurance

Furniture: Bookshelves, desks, tables, chairs
Fixtures and fittings: Lighting, flooring, kitchen utensils, appliances
Office equipment: Computers, printers, scanners, copiers
Manufacturing tools and equipment: Tools and equipment for producing or packaging goods
Personal belongings: Items belonging to employees or clients in the building

Categories of Covered Items

Covered Events Under Business Contents Insurance

Fire
Flooding
Theft
Explosions
Extreme weather
Natural disasters
Malicious damage

Types of Business Contents Coverage

Replacement as new: The policy will pay to replace a lost or damaged item with a new one.
Indemnity: With this type of coverage, the insurer pays for the cost of replacing the item at current market value, factoring in wear and tear and depreciation.

How To Value Your Business Contents

Coverage for Income Reduction With Loss of Contents

Professional Guidance For Business Insurance Needs

A Parent’s Guide to Teen Driver Safety

Thu, 16 Sep 2021 14:35:00 GMT

Set a Good Example

Teach Your Teen to Slow Down

Outlaw Texting and Driving

NHTSA

Consider a Dash Camera

Keep Your Teen Off the Road at Night

CDC

Make Sure You Have the Right Auto Insurance Coverage

Fall Safety and Security Tips to Implement in Your Business

Sat, 04 Sep 2021 14:54:00 GMT

Install Proper Lighting

Invest In a Professional Security System

Drill Security Protocols

Update Your Security System for the Fall

Clean Up Your Exterior and Landscaping

Be Alert for Shoplifters

Have Staff Walk Out Together After Dark

Review Your Business Insurance Coverage

Is Lost or Stolen Jewelry Covered by Homeowners Insurance?

Wed, 01 Sep 2021 14:33:00 GMT

Brides.com

The Pearl Source

What Are the Common Covered Perils?

Fire
Lightning
Theft
Explosions
Smoke damage
Vandalism
Hail or windstorms
Falling objects
Vehicle or aircraft-caused damage
Volcanic eruption
Riots
Water damage
Electrical current damage

When Is Jewelry Not Covered By a Homeowners Policy?

How Much Jewelry Coverage Will a Homeowners Policy Provide?

How Do You Get More Insurance Coverage for Valuable Jewelry?

Floater

Jewelry Protection Insurance

What Is Employment Practices Liability Insurance, and Why Does My Business Need It?

Thu, 19 Aug 2021 14:51:00 GMT

What Does EPLI Cover?

Discrimination
Wrongful termination
Sexual harassment
Retaliation
Mismanagement of employee benefits
Wrongful discipline
Negligent evaluation
Breach of employment contract

What Is a Claims-Made Basis?

When Would My Business Need Employment Practices Liability Insurance?

How Can I Help Prevent Employee Lawsuits?

How Much Does EPLI Cost?

Number of employees
Coverage amount
Deductible or self-insured retention (amount for which the policyholder is responsible)
Employee turnover rate
Hiring and firing practices
Claims history

Fit Small Business

Safety Tips to Remember During Motorsports Awareness Month

Mon, 16 Aug 2021 14:30:00 GMT

Take a motorsports safety course : These courses are available for ATV riders, motorcyclists, and all types of racers. They can help reduce the number of accidents and injuries.
Stay off paved roads on ATVs: All-terrain vehicles are designed for off-road use only.
Look over all of your equipment before you set out on a ride: This includes checking to make sure you have enough gas for the trip.
Never allow children under the age of 16 to ride adult ATVs: Most ATV injuries involve children.
Make yourself as visible as possible on a motorcycle: Many crashes involving a motorcycle and a passenger vehicle occur because the driver failed to register the motorcyclist in the roadway.
Wear a proper helmet and protective gear: Go for quality over cost savings when it comes to protective equipment. Protecting your body from injury is well worth the additional cost. ATV safety equipment should include helmet, goggles, gloves, long sleeves, long pants, and thick boots.
Never drink while riding or driving: Alcohol consumption slows response time, impairs judgment, and significantly increases the likelihood of a crash.
Don’t take a passenger on an ATV: Unlike motorcycles, many ATVs are not designed to carry passengers. When riding an ATV, you need to shift your weight in different directions to maintain control. This becomes more difficult with an additional person on board.
Pay careful attention to trail conditions on an ATV: All trails are different to begin with, and rain or other weather can drastically alter their condition. Take all factors into consideration in adjusting your speed and deciding which route to take.
Ride all-terrain vehicles in the daytime (or on a well-lit track): It is much more difficult to accurately judge a trail in the dark.
Watch your speed: Control of an ATV corresponds directly to how fast you are going.
Ride within the limits of your own skill: Do not attempt tricks or stunts you are not qualified to perform safely.
Make sure you can call for help in case of a crash: Cell phones may not work in some off-road areas for ATV riding. Ensure your cell phone is charged, carry a portable charger, and find a method by which you can contact emergency medical care should the need arise.

How To Protect Your Small Business from a Data Breach

Wed, 04 Aug 2021 14:49:00 GMT

Understand How Data Breaches Occur

Control Who Has Access To Data

Educate Your Employees

Have Separate Hardware For Business and Personal Use

Encrypt Sensitive Data and Monitor Your Company Network

Employee personal information – birthdates, Social Security numbers, addresses
Bank account and routing numbers
Credit card numbers
Client personal information – names, addresses, email addresses, telephone numbers

Make Sure You Have Data Compromise Coverage

Why You Should Consider Travel Insurance for Your Next Cruise

Sun, 01 Aug 2021 09:15:00 GMT

Benefits of Travel Insurance for a Cruise

Last-Minute Cancellations

Medical Emergencies

Missing the Boat

Getting Home In a Hurry

Cruise Line Insurance vs. Outside Insurance

Business Income Coverage vs. Business Interruption Insurance: What's the Difference?

Mon, 19 Jul 2021 16:07:00 GMT

Business Interruption Insurance

Business Income Coverage

What is Covered by Business Income Insurance?

Lost net income, based on your financial records
Cost of paying a mortgage, rent, or lease
Loan payments
Tax payments
Fixed costs
Commissions
Costs of training
Losses related to a forced closure by civil authorities
Wages

What is Not Covered by These Policies?

Broken items such as glass
Flood damage
Earthquake damage
Utilities
Losses from a virus or pandemic

Protect Your Business the Smart Way

The Five Types of Insurance Every College Student Needs

Fri, 16 Jul 2021 16:01:00 GMT

Health Insurance

Car Insurance

Renters Insurance

Life Insurance

Personal Liability Insurance

Protecting a College-Bound Child

Do I Need Business Insurance for my LLC?

Sun, 04 Jul 2021 16:06:00 GMT

What is the Best Type of Business Insurance for an LLC?

Lawsuits – A Fact of Life in Business

Professional Liability Insurance for LLCs

General Liability Insurance for LLCs

LLC Business Insurance – Built for LLCs

Workers Compensation Insurance : Depending on the number of employees, you may be required by the state to have workers comp insurance, which will protect you against illnesses or injuries related to your business.
Commercial Auto Insurance: If you or an employee are involved in an accident while performing work-related duties, you need to have commercial auto insurance in place.
Business Income Insurance: If your business is shuttered due to various types of covered property damage, these policies can replace the income you lost up to the policy limits.
Commercial Property Insurance: Your business equipment and the facility where you operate are protected by this type of insurance, whether you rent, lease, or own. If you rent a facility, your landlord's policy does not cover your LLC's business equipment.

Before Your Last Summer Road Trip, Check Your Car Insurance

Thu, 01 Jul 2021 15:59:00 GMT

NHTSA

The Benefits of Personal Insurance

A lawsuit is filed against you after an accident
You are found responsible for the costs associated with an injury to another person
You must pay for property damage after being held liable after an accident

Minimum Car Insurance Coverage May Not Be Enough

Bodily injury liability

Property damage liability

The Best Personal Insurance – What's Right for You?

Do I Need Commercial Property Insurance for A Shared Office?

Sat, 19 Jun 2021 10:04:00 GMT

If you work in a shared office space, it is essential to ensure you are protected against specific risks. If your business operates out of a coworking space, a commercial property insurance policy brings added protections. The office furniture and equipment owned by your business will be expensive to replace if a fire or other disaster occurs. Your commercial property insurance policy covers the cost of replacing lost or damaged furniture and equipment.

Coworking Spaces and Insuring Your Business

Your business lease may require you to have specific insurance policies. General liability insurance and commercial property insurance are essential, even if you operate your business in a shared office. While your business is not responsible for maintaining the office space, your business could be held liable if an injury occurs in your area. Ensure you have the protection provided by commercial property insurance and liability insurance policies, wherever your business is located.

Coworking has become one of the most popular choices for small business owners. Coworking spaces offer a range of amenities that are extremely attractive; however, even with all the benefits and advantages, your business can be at risk. As the area is shared, you need protection against the risk of lost, stolen, or damaged property.

The owners or managers of a shared office will have business and liability insurance, but your business assets are not covered. If a disaster occurs, privately-owned equipment and furniture must be replaced. If your business operates in a shared office space, it is wise to invest in a commercial property insurance policy, which can be very affordable and a lifesaver if a disaster occurs.

Protect Your Business Assets in a Shared Office Space

Your business-owned equipment, including laptops, computers, business files, private customer data, and products in a shared office space must be protected against the risk of loss. These items are not covered by the insurance policies of an owner or manager. The cost of replacement could be in the range of tens of thousands of dollars. If a natural disaster, theft, or other situation leads to the loss of your business assets, you can recover the cost of replacement through your commercial property insurance policy.

What Type of Commercial Property Insurance is Right for a Shared Office?

A small business can be protected against losses with various types of policies. The types of policies available include:

BOP (business owners package) Insurance : Many small businesses qualify for a bundled BOP policy, which combines general liability insurance and commercial property insurance. BOP is often the best choice for companies operating out of shared office space, as the cost is lower than buying general liability insurance and commercial property insurance separately.
Professional Liability Insurance : This type of insurance covers a business against claims related to errors in professional services. Often called E&O, or errors and omissions insurance, the insurance protects against claims for negligence, malpractice, or misrepresentation.
Commercial Property Insurance : These policies protect against the cost of replacing your business furniture and equipment, which is not covered by the coworking space policies.

Is Your Business Covered?

Get help from an experienced insurance agent when purchasing commercial property insurance. Not all carriers offer insurance coverage for businesses operating in coworking spaces.

Do I Need Insurance for Undeveloped Property?

Wed, 16 Jun 2021 10:54:00 GMT

If you own undeveloped property, does it need to be protected with a separate insurance policy? The personal insurance section of your homeowners policy may cover vacant land up to a specific limit. If a lawsuit is filed against you for personal injury on the property, the policy limit may be too low.

Personal insurance can be purchased separately or is one section of your homeowners policy – up to a specific limit. If you own undeveloped property, it is in your best interest to have your insurance policies reviewed and ensure you have coverage that offers enough protection against liability.

Claims and Lawsuits: Undeveloped Property Cases

Your vacant property may be accessed by hunters, fishermen, hikers, children, or others. If a person is injured while on your property, you could be held liable. You may plan to sell the property in the future, build a summer home or a retirement home, or use the land for hunting, fishing, or hiking. Whatever your reasons for owning vacant land, you need to be protected from the risk of claims and lawsuits. The policy limits on your personal insurance should be reviewed to ensure your coverage is adequate should another person be injured or die while on your property.

Do You Need Personal Insurance for Undeveloped Property?

Insuring your undeveloped property should reflect how the property is used. If it is accessed by hunters and fisherman, you could be held liable if a hunter or fisherman is injured. You may not be aware that hunters are using your property – but lack of knowledge does not protect you. Undeveloped land can be accessed by dirt bike riders and ATV riders, bringing added risks. Meet with one of our local agents to review your current policies to evaluate the need for additional coverage.

What Does Personal Liability Insurance Cover?

Personal liability insurance protects against several risks, including:

Bodily Injury: If a person is injured on the undeveloped property, this insurance provides coverage. The damages pursued by an injured person may include the cost of medical care, lost wages, and pain and suffering.
Property Damage: You can be protected against certain perils on your personal insurance, such as a falling tree damaging an adjoining structure or fence.

Personal Liability Insurance and Vacant Land

Your undeveloped land may be covered by your current homeowners policy, but you need to be aware of the limits. You can increase the levels of personal liability coverage on your existing policy, or purchase a separate policy, based on your situation and budget.

You may need to post “no trespassing” signs on your property, or if you allow others access, warning signs for cliffs, ponds, rivers, or other dangerous areas. One of our helpful agents can speak with you about your undeveloped property and advise you about the coverage that makes sense for you. We always look for the best deal at the lowest rate with your budget in mind.

What Does Commercial Umbrella Insurance Cover?

Fri, 04 Jun 2021 10:03:00 GMT

Your business is protected by your business insurance – but is it enough? A commercial umbrella insurance policy provides coverage when a claim exceeds the limits of your other policies. This type of policy is typically quite affordable and offers a critical level of protection against losses from substantial claims or lawsuits.

Do You Need Commercial Umbrella Insurance?

A liability claim filed against your business can be expensive and could be far higher than the limits on your general liability insurance. Not every business needs an umbrella policy, but if you want to increase your insurance coverage, an umbrella policy is typically more affordable than raising the limits on your existing policies. An umbrella insurance policy protects against several types of claims after your other policy limits are exhausted, including:

Claims for Libel, Slander, and Reputation Damage
Vehicle Accidents in Non-Commercial Vehicle Accidents
Product Liability Claims
Customer Injury Claims

You do not need commercial umbrella insurance for permits or licensing. However, if your policy limits are lower than required, it may be more affordable to add umbrella insurance rather than raising the limits on your current policies. A commercial umbrella insurance policy cannot be purchased separately and is only available if your business is covered by liability insurance.

How Much Does Commercial Umbrella Insurance Cost?

Several factors play into the cost of a commercial umbrella insurance policy. Some of the factors to evaluate include:

The level of risk inherent in your industry
The size of your business
The type of product or service your business provides customers

Generally, the cost of a commercial umbrella insurance policy will be in the range of $500 to $1500 per year. These policies provide expanded protection in $1 million increments.

Is a Commercial Umbrella Insurance All We Need?

Depending on your business' activities, you may need to put several other policies in place, as general liability insurance or business umbrella insurance does not cover all business risks. Some of the other coverage a business needs could include:

Auto Liability Insurance: This type of insurance is for rented vehicles or the use of employee-owned vehicles for company work.
EPLI (Employment Practices Liability Insurance): If an employee sues your business for wrongful termination, discrimination, or other issues, this insurance keeps your business covered.
D&O Insurance : If a director or officer in your company becomes the target of a lawsuit, this type of insurance pays the cost of legal representation and damages.
Fire Liability Insurance : If you rent or lease a facility and a fire occurs, the owner may accuse your business of being responsible for the building's damage. Fire liability insurance protects against this eventuality.
Liquor Liability Insurance : This type of insurance is crucial for owners of restaurants, bars, or other venues serving alcoholic beverages.

The Risks of Doing Business

In the USA, doing business comes with many risks, including lawsuits. Your insurance can help you keep your business up and running through challenging times. A commercial umbrella insurance policy can bring you peace of mind, allowing you to focus on increasing sales, promoting, and delivering goods or services without concerns about the repercussions of legal action. For more information, meet with one of our experienced business insurance agents for assistance in choosing the best policy for your budget and needs.

Do I Need Boat Insurance for a Non-Motorized Boat?

Tue, 01 Jun 2021 10:53:00 GMT

Depending on where you live, you may not be legally required by the state to carry boat insurance for a non-motorized boat, but that is not the only reason to insure your boat. If you have invested in a sailboat, kayak, canoe, or RIB (rigid inflatable boat), boat insurance will protect your investment if the watercraft is damaged during an accident. It should also protect you if a claim or lawsuit is filed against you.

Do I Need Boat Insurance?

A non-motorized boat can be involved in an accident, just like any other watercraft. If a boat is involved in an accident that causes injury or property damage, your boat insurance protects you against financial losses. The cost of a claim or lawsuit could lead to extreme economic damage. Make sure your canoe, kayak, or RIB is covered.

Liability Coverage for Boat Insurance: Why it Matters.

Boat insurance can be purchased to cover physical damage and protect against liability. Liability coverage can be critical in cases of bodily injury or loss of life. If you are sued by another party claiming you are responsible for an injury or death, the cost of defending against the claim can be paid through your policy.

If you do not have sufficient liability coverage in place, you can lose your personal assets, including retirement funds, investment funds, or the value of your property. You have worked to accrue assets that could be lost in a lawsuit, and liability coverage for a non-motorized boat provides an essential form of protection.

Are You Liable?

If you loan your non-motorized boat to another person, you will still be held responsible if an accident occurs. If a friend or associate is injured while using your boat, you may be ordered to pay damages in a claim or lawsuit.

Added Coverages

Every boat insurance policy will vary in what is offered in coverage by the insurance company. You may want a policy that provides emergency towing and assistance coverage. Look for a boat insurance policy that offers a full scope of protection, including emergency towing and assistance.

How Much Boat Insurance Do I Need for a Non-Motorized Boat?

In some cases, a non-motorized boat could be covered under your homeowners policy, but only a review of your existing insurance policy will reveal the policy limits. Make sure you know these limits before an accident happens. The limits are typically low, and it is smart to find out if you need added coverage based on the value of your watercraft. A kayak, small sailboat, RIB, or canoe may have a value far higher than the typical $1,500 limit in a standard homeowners policy.

Evaluate the Risk

Even if you follow the safety rules while on the water, many boaters sharing the water are inexperienced, consuming alcohol, or taking risks that could endanger your health and safety. These boat operators may not have insurance. Rather than taking a risk, you can protect against a range of issues that could arise by insuring your watercraft. These policies are generally very affordable. For peace of mind, we urge you to speak to one of our friendly agents about the boat insurance policies available on the market and the options that fit your budget.

Beginner’s Guide to Business Owners Package (BOP) Insurance

Wed, 19 May 2021 10:02:00 GMT

BOP (business owners package) insurance can be the ideal way to protect a small business. The bottom line is that you want the maximum possible coverage at the lowest possible rate, and BOP insurance could be your best option.

The Basics of Business Owners Package Insurance

A BOP insurance policy covers all the major property and liability risks, and is typically the ideal insurance for smaller companies. A BOP policy protects your business against the following risks:

Commercial Property Insurance: Your facility, equipment, and inventory make it possible to deliver to your customers. Property insurance provides coverage for damage to your building and the contents of your facility. We can evaluate the coverage you need to replace expensive equipment.
Business Interruption Insurance: If a fire or other disaster has made it impossible to continue doing business, this form of insurance covers your losses and can pay for relocating your operation to another facility while repairs are performed.
General Liability Insurance: Your company can be the target of a lawsuit or claim if another party was harmed. General liability insurance protects you against claims for personal injury, defective product claims, installation claims, and claims associated with substandard service.
Crime Insurance: If your business has suffered from fraud, theft, or forgery, a BOP insurance policy protects against the economic losses your business may suffer.

Does Business Owners Package (BOP) Insurance Cover All Risks?

BOP insurance does not cover every type of business risk, but added coverage can be arranged for the following:

Professional Liability
Auto Insurance
Workers’ Compensation
Disability Insurance
Cyber Liability
Advertising Injury
Rented Vehicle Coverage
Employment Practices Liability Insurance
Accounts Receivable Insurance
Equipment Breakdown Insurance

What Businesses are Right for BOP Insurance?

Is your business right for BOP insurance? Many small businesses are eligible for business owners package (BOP) insurance. As a bundled policy, these policies are more affordable and available to smaller companies that meet specific criteria:

Your business is considered low risk.
Your business takes place in a building you own or rent, rather than in your home.
You have less than 100 employees.
You have less than $5 million in yearly sales.
You own property and valuable equipment.

BOP Insurance vs. General Liability Insurance

The main benefit of BOP insurance is the lower cost – an important point for small business owners. The cost of bundled insurance is less than buying insurance policies for property and liability separately. However, for some businesses, general liability insurance will be required. General liability insurance covers bodily injuries, property damage, advertising, and personal injuries such as slander, libel, and copyright infringement claims.

General liability insurance also covers the cost of attorney fees, court costs, and any settlement or judgment up to the policy limits – but not property damage. Some types of business activities may require general liability insurance. If you have a small business, work in a smaller facility in a lower risk industry, and do not require business interruption insurance that extends longer than 12 months, a BOP policy is more affordable and could provide the coverage you need. If you are looking for an affordable BOP insurance policy, contact one of our insurance agents to help you find the best policy at the lowest rate.

Driving Safely in Heavy Traffic

Sun, 16 May 2021 10:51:00 GMT

Navigating your vehicle in heavy traffic is stressful – and dangerous. To avoid a collision, follow these simple tips for safer driving in heavy traffic.

Relax. You will eventually reach your destination, and being a few minutes late is better than being involved in a collision!
Drive Defensively. Other drivers may drive aggressively, weaving in and out of traffic to try to save a few minutes. Keep your eyes on the surrounding vehicles and drop back if another individual is driving aggressively.
Keep a Distance. Follow the three-second rule and maintain a space between your vehicle and the one ahead. This offers you a safe stopping distance, as well as the ability to change lanes when needed.
Avoid Distractions. Distracted driving is one of the most common causes of vehicle accidents. In a recent year, over 2,800 people died, and an estimated 900,000 were injured in crashes involving driver distraction, as reported by the Centers for Disease Control and Prevention ( CDC ). Avoid any cell phone use while driving. Cell phone conversations and texting are among the primary causes of distracted driving accidents.
Use Your Signals. If you are changing lanes, signal. Other drivers may not signal and suddenly change lanes, so ensure you shoulder check before moving into another lane.
Use your Mirrors. Stay alert and watch the surrounding traffic behind and beside you. If another driver is tailgating, move into another lane as soon as you can safely.
Brake Carefully. If traffic slows, use your brakes carefully if another driver is close behind your vehicle. Touch your brakes to activate your brake lights, and then slow to help avoid a rear-end collision.
Pay Attention when Merging. When merging into a moving line of traffic, watch for drivers who may try to close the gap before you enter the lane.
Plan Your Drive. Before you drive, check a driving mobile app for congested areas, and choose an alternate route when possible.
Avoid Driving Tired. If you lack sleep, you are at a higher risk of being in an accident. Do your best to get enough sleep before driving.
Pull Over to Make Calls. Rather than making a cell phone call while driving, pull over to make your call.
Plan Ahead for Added Time. If you know you will be stuck in heavy traffic, leave early enough to make it to your destination on time.
Report Aggressive Driving. If you see a driver that is endangering others, call the police.

Unsafe Driving Facts

The National Safety Council has identified the six most unsafe driving behaviors to avoid:

Speeding
Right of Way Violations
Improper Turns
Improper Passing
Following too Closely
Driving Left of Center

When an Accident Happens

If you are involved in a minor fender-bender accident during heavy traffic, move your vehicle to the side. Never exit your car when stopped in moving traffic. If you, a passenger, or another driver is injured, call 911 and administer first aid.

Your auto insurance becomes a vital issue after an accident. While we all hope to avoid collisions, even if you follow the rules of the road during an entire lifetime of driving, you are likely to be involved in an accident. Talk to one of our friendly agents to discuss your auto insurance policy. If you live in a region with a high percentage of uninsured drivers, ensure you have enough uninsured motorist coverage. Your auto insurance may be lower in price when bundled with your other insurances. We are happy to find the best deal for your budget.

Commonly Overlooked Types of Business Insurance

Tue, 04 May 2021 10:00:00 GMT

You already have business insurance, but have you overlooked a situation that could put your business at risk? We offer a list of the most overlooked types of business insurance, as well as a brief explanation of each type.

Employment Practices Liability Insurance (EPLI) : This insurance protects against claims filed against your business by an employee, such as wrongful termination, harassment, discrimination, and others. When filed, these claims are expensive to defend and often lead to a settlement or judgment that your business may be unable to afford. With this insurance, it is covered.
Liability Insurance for Cyber Breaches: If your employee files, financial files, or other online personal information falls victim to a cyber breach, the economic damage to your business can be extensive. The average cost to a business suffering a cyber breach is in the range of $2.25 million for a larger firm, and about $200,000 for a small business, as reported by CNBC.
Auto Insurance: Your company-owned vehicles may be covered with commercial auto insurance, but if an employee uses their own vehicle for company business and is in an accident, your business could be held liable.
Flood Insurance: Your business property insurance does not protect against flooding in almost all cases. You will need to purchase a separate (typically very affordable) policy to protect against this peril. Floods can occur anywhere, particularly with changing weather conditions, and if your facility floods, it could be a financial disaster.
Business Interruption Insurance: Your business may be protected against a range of perils by your property insurance, but when shuttered due to a disaster, you need protection. Business interruption insurance protects against many risks not covered by standard business insurance.
Contingent Business Interruption Insurance: Several issues can impact your business’s ability to produce your products. These include a vendor who fails to deliver a needed component. Contingent business interruption coverage protects against the risk of partial or total losses associated with the delivery of third-party components that led to revenue losses.
Professional Liability Insurance: This type of insurance protects against claims filed against your business for negligence, copyright issues, personal injury, and other lawsuits. Mistakes and accidents happen, even in the best-run companies.
Liability Umbrella Insurance: These policies are put in place to provide coverage above and beyond the limits of your business insurance, which can be critical in cases of serious injury or death claims.
Business Management Liability Insurance: A business owner can be at risk of being the target of a claim or lawsuit. Various insurance types are available to protect against damage, including director and officer insurance, fiduciary liability insurance, or insurance for exceptional circumstances such as kidnapping, ransom demands, and extortion.

What Business Insurance is Right for You?

If you have concerns about the risk of financial losses and are unsure if you have enough liability insurance, we urge you to meet with one of our qualified agents to discuss your situation and advise you about the insurance you need to keep your company safe and flourishing.

Tips for Maintaining Your Roof

Sat, 01 May 2021 10:50:00 GMT

You want to ensure the roof on your home lasts as long as possible. Performing basic maintenance can prolong the life of your roof and help you avoid the cost of a new roof for much longer.

Replace Roof Shingles

If your roof has missing or damaged shingles, they should be replaced rapidly. Rain, snow, wind, or even very dry, hot weather can cause damage. Perform a full check of your roof every year or after a heavy storm, and have a professional replace any damaged shingles.

Trim Trees and Branches

If your home is shaded by trees, ensure no branches are hanging over the roof itself. Dropping leaves will collect and hold water, as well as damage the roof. A large, overhanging branch is an accident waiting to happen. Paying a tree trimmer will cost far less than replacing an area of the roof.

Clean Your Gutters

If your gutters are filled with leaves and debris, the water will accumulate and enter the structure. Your gutters must be cleaned thoroughly so the water can drain easily and water damage to your home in a heavy rainstorm can be avoided.

Invest in Insulation and Avoid Ice

Long icicles may look attractive on a holiday card but will damage your roof. An ice dam can form along the edge of the roof, preventing water from draining. As the water backs up behind the ice, it enters the walls and can damage the ceiling and insulation, and lead to mold growth. Ice dams are caused by inadequate insulation. Invest in replacing or adding to your insulation to avoid heat escaping.

Get Rid of Pests

You may need to get rid of pests that have made a home in your roof, such as rats, squirrels, and mice. These rodents chew on anything, including wood, roof tiles, and electrical wires. They can enter the attic, make a home, and then raise a family! Call a local roof contractor to close any access points that could allow pests to enter, as well as an exterminator if needed.

Wash Your Roof

While you want your roof to be clean, pressure washing is a no-no. The flow of the water is much too powerful and can loosen the granules on the shingle coating. If your roof tends to develop algae, a washing mixture with a bleach mixture works.

Does Homeowners Insurance Cover Roof Damage?

Your homeowners insurance covers only specific perils. If your roof was damaged by rain, fire, hail, or wind, it is covered by your policy in most cases. The first step is to review the terms of your policy and read the exclusions. If you need help, our friendly agent can assist you. Homeowners insurance does not cover roof damage due to a lack of maintenance or the result of normal wear and tear.

Do You Have the Right Homeowners Insurance Policy?

It is well worth ensuring you have the level of coverage you need to protect your roof and your entire home. Very few people find it easy to read the legal language in a homeowners insurance policy. If you have any questions about your homeowners’ insurance, whether cost, coverage, or your options, our friendly insurance agents are here to help. We will evaluate the homeowners insurance policies on the market to help you find the best coverage at the lowest rate.

Gauging Liability Insurance Needs for Your Business

Mon, 19 Apr 2021 09:58:00 GMT

Every business should have liability insurance – but what policy limits are right for your company? A lease or contract may require liability insurance with a specific limit. For guidance, it is advised that you speak to an experienced insurance agent. Many business owners should have higher limits than the coverage required for a lease or contract.

Which Type of Business Liability Insurance Do You Need?

General liability insurance is available for all types of companies, and in several forms, including:

Commercial Property Insurance : These insurance policies cover the cost of reimbursement for property that has been lost, stolen, or vandalized.
Business Liability Insurance : We live in a litigious society, and protecting your business against the financial risks associated with a claim or lawsuit could not be more critical. These problems are covered with business liability insurance.
General Liability Insurance : General liability insurance may be the ideal insurance for small businesses. It provides coverage against claims related to bodily injury, property damage, and personal injury claims and lawsuits.

How Much General Liability Insurance Should We Purchase?

Your business activities have inherent risks. If you manufacture or sell a product, you need to be insured against the risk of a claim. If a consumer claims to have been injured by your product, or the company is accused of false advertising, a failure to warn, or another legal issue associated with your products, your defense costs are covered.

When determining the policy limits that are right for a business, several factors must be evaluated.

Bodily Injury Claims: A customer, vendor, or visitor to your facility may be injured on your property and file a claim to recover damages. Your general liability insurance policy should have a policy limit that covers a high-value bodily injury claim.
Attorney and Court Costs: Even if a lawsuit is filed against your business without merit, you need a qualified attorney to pay for your legal representation and court costs. Your general liability insurance policy should cover the cost of defending against a claim or lawsuit.
Property Damage: If one of your employees causes property damage, your business will be held liable. Your business liability insurance should cover the cost of paying for the damages related to your business, either in-house or caused by an employee performing work-related duties off-site.
Medical Payments: If an employee, visitor, or vendor is injured at your facility, a claim or lawsuit may be filed to pay for medical treatment. Your general liability insurance protects against this eventuality.
Advertising Claims : Your business may face legal repercussions if another party sues you for improper use of an image or false advertising.
Slander, Libel, or Defamation: A lawsuit could be filed against your business if another party claims that you or one of your employees has diminished their professional standing due to libel, slander, or defamation.

Choosing the Right General Liability Insurance Policy

Your general liability insurance should provide the maximum level of coverage at a price that fits your budget. Speak to one of our experienced agents to help you find the best policy for your business.

Beginner’s Guide to Personal Umbrella Insurance

Fri, 16 Apr 2021 10:48:00 GMT

Personal umbrella insurance serves an essential purpose, as it provides liability protection above and beyond the policy limits on your vehicle, home, or boat. Every insurance policy has limits, and personal umbrella insurance kicks in once you have exceeded those limits, expanding your protection if a claim or lawsuit is filed against you.

Should I Have Personal Umbrella Insurance?

One of the vital protections provided by personal umbrella insurance is the ability to pay the damages in a serious injury accident, which could far exceed the limit in your auto insurance policy. If your insurance limit is exhausted, a lawsuit could be filed in an attempt to collect the difference. If successful, a judgment could impact your retirement accounts, bank accounts, investment accounts, or other assets.

What Does Umbrella Insurance Cover?

Umbrella insurance covers what your auto, home, or boat insurance does not cover, including:

Claims for bodily injury
Personal injury lawsuits
Property damage claims
Landlord liability claims

Umbrella Insurance and Homeowner Claims

If you own a home, umbrella insurance can be a lifesaver. When damage to your home exceeds the limits of your current policy, you will pay for the difference out of pocket. These policies cover a range of potential problems that can impact any family, such as dog bites or any injury claim filed against a member of your household.

Which Umbrella Insurance is Right for Me?

When purchasing umbrella insurance, the first step is a full valuation of your home and property, bank account balances, investment accounts, and other assets. For maximum liability protection, you should have enough umbrella insurance to replace all your assets should a lawsuit be filed against you or a member of your family. This insurance is typically sold in $1 million increments.

Who Needs Umbrella Insurance?

Some people need umbrella insurance more than others. For example, if you rent property, employ staff at your home, have a trampoline, pool, hot tub, or host large parties at your home, you should invest in umbrella insurance. Should a guest to your home be injured on your property, your homeowner insurance may not be enough to cover the cost of a claim – and you could be sued by the injured party and face disastrous financial repercussions.

How Much Does Umbrella Insurance Cost?

The cost of umbrella insurance varies based on the amount of coverage you buy. Generally, it is very affordable. The average price is between $150 to $300 per year for $1 million in coverage, as reported by the Insurance Information Institute . In most cases, the insurance company you choose will require you to have a specific level of auto, home, or watercraft insurance, as the limits on these policies must be exhausted before the umbrella insurance will pay.

How to Choose the Right Umbrella Insurance Policy

You have a unique situation. The first step in finding the best policy for you is to evaluate your financial situation, your level of risk, and your current insurance policies. We invite you to meet with one of our qualified, friendly agents to review your case and advise you of the various types of umbrella insurance policies available. We can assist you in finding the policy that offers the level of liability protection that makes the most sense for you.

Beginner’s Guide to Key Person Insurance

Sun, 04 Apr 2021 09:57:00 GMT

You have devoted your time, creativity, energy, and finances to build a business. The last problem you need is the risk of losing it all if a key member of your team passes away. Key person insurance is a specific type of life insurance that protects a business in this situation.

What is Key Person Insurance?

Key person insurance pays out death benefits to a business when a member of your business’ team dies. This type of policy should be in place to protect against significant financial losses associated with losing one of the owners, partners, or employees. This type of insurance can be a lifesaver in specific situations:

If your business health is based on the name, actions, reputation, or skills of a specific person, key person insurance provides the wherewithal to wrap up the business or make it through the transition following the loss of an owner, partner, or key person.
If your business viability is based on the actions of your top salesperson, developer, technician, or another employee, your business could suffer extreme financial losses if that person dies.
If your business is a partnership, and one partner dies, key person insurance provides the finances to buy the shares in the company, which usually transfer to the decedent’s spouse or children.

How Does Key Person Insurance Work?

Key person insurance is a life insurance policy, paid by the business, that pays the death benefit to the company upon the death of the named individual. The business owns the policy. The key person in the policy must have agreed in writing before you can purchase key person insurance. The death benefit is paid to the business. It can be used to purchase back company shares owned by the deceased, pay company debt, or provide a financial cushion to cover financial losses.

Should We Buy Key Person Insurance?

If your business viability is based on the name or skills of a specific individual, it is critical that you have key person insurance. Many smaller businesses rely on the skills of one or two individuals. If such a person suddenly dies, your company may be unable to move forward or may require time to find a replacement. The death benefit paid to the business can allow it to survive the transition, pay critical staff, and cover bills.

Partnerships and Key Person Insurance

A partnership can pose specific problems when one partner dies. The stock ownership may transfer to the spouse, who may not be the ideal partner for your business. Key person insurance can allow you to buy the stock and avoid problems.

How Much Key Person Insurance Do You Need?

To determine the amount of key person insurance your business should have, it is advised that you meet with a qualified insurance agent to review your situation. A valuation of how a partner, owner, or key employee impacts your business health will be required, along with the cost of the policy itself and the level of coverage that suits your budget.

Let Our Agency Help

You may want to invest in disability insurance or purchase a key person insurance policy that covers both death and disability. If you are considering key person insurance, our qualified, experienced agent can help you find the right policy for your budget to protect your business.

Simple Car Maintenance Anyone Can Do

Thu, 01 Apr 2021 10:47:00 GMT

All vehicles require regular maintenance. Some maintenance you can do yourself and avoid the cost of an auto mechanic. Just like ensuring you have the best deal on your auto insurance, performing basic maintenance saves you money. Are you a dedicated do-it-yourselfer? Even if you have never done vehicle maintenance before, most of the tasks outlined below are not difficult to learn.

Replace Your Air Filter

The air filter must be replaced regularly for your air conditioning and heating system to perform correctly. Look at the filter, and if it appears dirty, discolored, or has debris, it is time to replace it. All you need to do is unscrew the cap over the filter, remove the dirty filter, put in the new filter, and replace the cap. You can buy the correct filter for your vehicle at your neighborhood auto parts store, and they will look up your vehicle on their system to ensure you are purchasing the right replacement.

Replace Windshield Wipers

Every six months or so, you should replace your windshield wipers – visibility is a safety issue after all! Refer to your owner’s manual for the correct type of wiper blades for your vehicle or visit your local auto parts store, where they can find it for you. Lift the blades as if you were washing your windshield, and remove the old blades paying close attention to how they attach. There is typically a tab you must press to remove the blade. Secure the new blades, ensuring they are positioned correctly. Wiper blade sets come with easy-to-follow directions if you need to review instructions.

Clean Your Headlights

Your headlights should be clean, clear, and free from dirt, sand, salt, and oil. If your headlights are cloudy, affordable headlight restoration kits are available at auto parts stores and come with directions. However, you can also use toothpaste! Using a clean, damp cloth, add a generous amount of toothpaste and firmly rub the headlight in a circular motion. Add more water and toothpaste as needed, continuing the task until the headlight is clear again, then rinse the toothpaste off.

Replace Cabin Air Filter

Find and purchase the correct cabin air filter for your vehicle at your local auto parts store. Ask an employee there to print the instructions out for you, and they should be happy to help. The cabin air filter is usually found near the glove compartment. Remove the cover, and pull out the filter. Insert the new filter, and replace the cover. Keeping this filter clean helps your air conditioner perform better during the hot summer months.

Touch Up Chipped Paint

You should be able to find touch-up paint to match your vehicle at any auto parts store. Chipped paint can lead to rust, and rust can cause serious damage to the body of your vehicle. Clean the chipped area thoroughly with wax and grease remover, and let it dry. Dab the paint over the chip carefully, without overloading the applicator to ensure it doesn’t run.

Change Your Oil

If you are up for the task, changing your own oil is not difficult. Check your owner’s manual to ensure you purchase the right type and quantity of oil. Your car will need to be raised up on jacks, and you must ensure the vehicle is 100% secure for your own safety! Place a container beneath the oil pan, remove the plug, and drain the old oil. Replace the drain plug, and pour in the fresh oil to the correct level. You are required to recycle the old oil and must never pour it down a drain or throw it in the trash. Auto parts stores typically recycle old oil.

Replacing Coolant

The coolant in your vehicle must be replaced regularly. If the coolant is not changed, it can damage the radiator, heater core, and water pump. For visual instructions, you can watch this YouTube video .

The car’s engine must be entirely cooled before you remove the radiator cap. Remove the radiator cap and place a container beneath the radiator. Loosen the drain plug at the bottom, and allow the coolant to drain. Move the container under the engine and remove the engine drain bolt to remove the remaining coolant in the system. Remove the coolant reservoir and fill it to the indicated max line. Now, add coolant to the radiator until it reaches the top. Turn on your vehicle’s engine for 30 minutes. Take the time to check for leaks, and as the air is eliminated from the system, you may need to add more coolant. Refer to your owner’s guide for the right type of product for your vehicle.

Your Auto Insurance: How to Find the Right Price

We all like to save money, whether while maintaining your car or when buying auto insurance. If you are looking for the best deal, meet with one of our friendly agents. We will gladly help you find the best coverage at the lowest price.

Professional Liability Insurance vs. General Liability Insurance

Fri, 19 Mar 2021 10:00:00 GMT

All businesses, large and small, face the risk of liability. Professional liability insurance and general liability insurance both provide protection for your business. The main difference between these two types of insurance is the different risks they cover.

What Is Professional Liability Insurance?

Also known as errors and omissions (E&O) insurance, professional liability insurance is designed to protect you in case a client files a claim for damages resulting from the services your business provides. For example, if a web developer’s error costs a client online business, the client may sue for damages. Professional liability insurance provides coverage for financial damages in claims of malpractice, negligence, errors, and omissions in the course of performing a professional service.

Who Needs Professional Liability Insurance?

If you are trained and educated to perform a service or trade, you should have professional liability insurance. A disgruntled client can file a lawsuit, even though you perform your professional duties diligently and responsibly. Professionals who need errors and omission insurance include lawyers, doctors, dentists, real estate brokers, accountants, bookkeepers, and financial advisors. This coverage protects against claims of bad faith, bad advice, misrepresentation, copyright infringement, and malpractice.

What Is General Liability Insurance?

General liability insurance protects your business against third-party claims regarding:

Bodily injury sustained on your premises
Property damage caused by your business or its employees
Injury caused by your products
Slander, libel, or copyright infringement

Who Needs General Liability Insurance?

Most businesses need general liability coverage. Defending against a lawsuit can take a heavy financial toll, even when your company is not at fault. We live in a litigious society. Many companies eventually face some type of lawsuit covered by general liability insurance. If your company manufactures or sells a product, you may want to consider a product liability policy, in addition to general liability insurance.

What Are the Differences Between Professional Liability and General Liability Insurance?

These two types of liability insurance cover different types of exposure. Professional liability insurance is designed to protect professionals who face exposure to liability in performing a service. It covers attorney fees, court costs, and damages they may be required to pay, resulting from claims of malpractice, misrepresentation, bad faith, bad advice, copyright infringement, etc. General liability insurance, on the other hand, protects a business from a wide range of claims, including bodily injury, property damage, personal injury (libel or slander), and product liability.

In a nutshell, general liability insurance covers physical injury or property damage arising from business operations. Professional liability insurance covers claims of negligence related to professional advice or services. Both are claims-made policies, meaning you are covered if you have insurance when you file a claim, regardless of when the event occurred. However, professional liability insurance has a retroactive date exception. This means a claim resulting from an event that occurred before the retroactive date of the policy will not be covered.

Depending on your type of business, you may need both professional liability and general liability insurance for adequate protection. Our experienced agent will be happy to advise you and assist you in obtaining the liability coverage you need.

When to File a Homeowners Insurance Claim

Tue, 16 Mar 2021 10:00:00 GMT

Having homeowners insurance is crucial as it provides a safety net for your significant property investment. Filing a claim under this policy is crucial when an unpredicted issue arises causing damage to your property. This action step is a crucial aspect of homeownership and property maintenance, particularly during unexpected situations such as natural disasters. We pay premiums in exchange for coverage, so the natural inclination is to file a claim when a covered loss occurs. The reality is not so clear cut. Filing a claim under the wrong circumstances can affect your premiums and your finances adversely in the future. It is important to know when to file a homeowners insurance claim, and when not to.

What Are the Reasons Not to File a Homeowners Insurance Claim?

Homeowners insurance companies keep, and share with other insurers, a record of all the claims you have filed for up to seven years. If you file one too many claims, you may be considered high risk and the insurance company may cancel your policy. Even if your policy is not canceled, you can expect to see an increase in your premiums after filing a claim. In some states, a single home insurance claim can increase your premiums by 20% annually. In most cases, it is more cost-effective to pay for smaller covered losses out of your own pocket.

When Should You File a Claim on Your Home Insurance?

Homeowners insurance is designed to protect you from loss, and there are cases when it makes sense financially to file. If your home is so severely damaged from an unexpected, covered disaster that it is uninhabitable, that is the time to file a claim. You may also consider filing if the cost to repair the damage to your home far exceeds your deductible. There is less risk of having your policy canceled if you have not filed a claim within the past three years.

When Should You Not File a Homeowners Insurance Claim?

Every claim you file goes on your long-term record, whether or not the insurance company pays out. If the cost of repairs is less than or only slightly greater than your deductible, it may make more sense to simply pay out of pocket to cover the damage. It is not wise to involve your insurance company in minor repairs.

Even if the cost of repairs is considerably greater than your deductible, you should be certain the damage is covered under your policy before you file a claim. The insurance company is not likely to cover it if there was something you could have done in terms of regular maintenance to prevent the damage. For example, if your roof was in need of repairs and collapsed after a heavy snowfall, your insurer is likely to deny your claim for a new roof.

If you have filed a claim within the past three years, whether or not it was denied, you should think carefully before filing another claim. If you do so, you run the risk of having your policy canceled or non-renewed and not being able to obtain coverage elsewhere easily. If you are unsure about whether to file a home insurance claim, our friendly agent can help.

Avoiding Workers’ Comp Fraud

Thu, 04 Mar 2021 10:00:00 GMT

Workers’ compensation fraud can be expensive for employers. One of the most common types of workers’ comp fraud is employee fraud. This involves workers who seek to receive benefits under false pretenses. Luckily, our local [bf_location field=state] agents at [bf_location field=company_name] are here to help you avoid this costly fraud.

How Do Employees Commit Workers’ Comp Fraud?

Employees have been known to commit several types of fraud to obtain workers’ compensation, including:

Off-the-job injury : An employee is injured on his own time, but claims he was hurt at work so he can collect workers’ comp benefits.
False claim : The reported work-related injury never actually occurred, or it might have been staged by the employee.
Exaggerated claim : A worker who sustained an on-the-job injury exaggerates its severity in hopes of qualifying for more benefits.
Working while collecting benefits : An employee deemed unfit to work after a job-related injury may work “under the table” for someone else while collecting workers’ comp benefits.

How Can Companies Reduce Workers’ Comp Fraud?

Employers can take the following steps to reduce the drain on their bottom line from employee workers’ comp fraud:

Hire Only Trustworthy People

It is a sound company policy to perform pre-employment background checks for new hires. Your HR team should learn to spot “red flags,” such as previous suspicious injury claims, a criminal record, or a spotty work history. The background check should include a criminal record, credit history, driving record, and educational records, in addition to a workers’ compensation claims history.

Set a Zero-Tolerance Policy for Workers’ Comp Fraud

Clearly communicate your company’s expectations regarding false claims. Provide employees with company anti-fraud policies in writing. Educate new hires on your zero-tolerance policy during orientation, and remind all employees each year. Make sure they understand that workers’ compensation fraud is illegal and will not be tolerated by your company.

Establish a Fraud-Reporting Process

Make it easy for supervisors and workers to report to management if they suspect employees of workers’ comp fraud. Make no accusations, but take these matters seriously and report suspected fraud to your insurance company right away.

Be Consistent With Procedures

Use the same procedures for reporting and investigating all workers' comp claims. Document any reported work-related injury or illness. Interview the injured worker and any witnesses. Get written statements from witnesses of an injury. Take note of any comments or statements about the accident among employees. Meet with our agent to discuss company procedures for processing workers’ compensation claims.

What Are Some “Red Flags” for a Fraudulent Workers’ Comp Claim?

It is important to keep in mind that most workers’ comp claims are legitimate. However, these “red flags” may indicate a need for further investigation:

An employee has a history of filing multiple claims.
The worker’s account of the accident is vague, contradictory, or does not “hold water.”
The reported injury occurred shortly before termination, layoff, strike, or the end of a project.
There are no witnesses to the accident.
The employee refuses diagnostics to confirm the nature and extent of the injury.
The injury occurred late Friday afternoon or early Monday morning (this may indicate the injury is not work-related).
The injured employee has participated in work or recreational activities beyond the physical limitations claimed.

Do I Need Different Insurance for a Vacation Home?

Mon, 01 Mar 2021 10:02:00 GMT

If you have the good fortune to own a vacation home, it is important to protect your investment. You may need a separate insurance policy to cover your second home. Vacation home insurance can help protect that property against a range of perils.

Why Do I Need Separate Insurance for a Second Home?

For a second home you don’t live in full time, you will likely need a separate vacation home insurance policy. In some cases, insurers will extend liability coverage on your main homeowners insurance policy to include a second home instead. However, separate vacation home insurance is often necessary because insurance companies view vacation homes as higher risk since they are not occupied year-round. The risk of theft or vandalism is higher at these properties, as they remain vacant for many months. Water and other types of damage may go undetected for longer in an unoccupied property.

What Is Different About Vacation Home Insurance?

The typical vacation home insurance policy is somewhat different than traditional homeowners insurance. This type of policy may cover only named perils, such as theft, fire and smoke, lightning, and explosions. If your home is damaged by a peril not listed in the policy, it will likely not be covered. A vacation home policy may provide liability protection in case someone else is injured on your property, as well as medical payments coverage.

How Can I Increase Protection for My Vacation Home?

One option to consider is a personal umbrella insurance policy for liability protection that could extend to a second home. You may be restricted from renting your vacation home to qualify for this type of extended coverage. A personal umbrella policy can help cover costs that exceed your home insurance coverage if you are sued, for example, by someone who was injured on your second property.

If your second home is a waterfront property, you may also want to consider purchasing flood insurance, as flooding is not covered by most homeowners insurance policies. If you own a boat as well, it may be wise to also purchase a separate boat insurance policy.

How Much Does Vacation Home Insurance Cost?

Vacation home insurance may be more costly than standard homeowners insurance, depending on several factors, including:

Property type : A small cabin in the mountains will probably cost less to insure than a larger property on the beach. If your vacation home has a pool, your premiums may be higher, as pools increase the risk of liability.
Home age and condition : A newer, well-maintained home typically costs less to insure than an older, more neglected property.
Property Location : Insurers charge higher premiums for vacation homes located in areas prone to natural disasters, such as hurricanes, flooding, mudslides, earthquakes, or forest fires.

If you plan to rent out your vacation home for the portion of the year when you are not using it, you may need to purchase a rental insurance policy. Your insurer may instead also allow you to add an endorsement for short-term rental coverage to your existing policy. Our experienced agent can help you secure the coverage you need to protect your vacation home at the lowest available rates.

Do I Really Need Cyber Liability Insurance?

Fri, 19 Feb 2021 10:00:00 GMT

Cybercrime has become a common occurrence. A data breach can have a tremendous impact on the health and finances of a business. If your company’s data was stolen in a cyber incursion, it can damage its reputation, expose it to liability, and interrupt business operations. Cyber liability insurance allows you to transfer some of that risk to an insurance company.

What Are the Cyber Risks Businesses Are Facing?

Cyber attacks are a growing risk for businesses. Common types of cyber threats include:

Malware : Malicious software is intentionally engineered to damage servers, computers, networks, and clients. It may include ransomware and viruses.
Ransomware : This is a particular type of malware that infects a computer and restricts access pending payment of a ransom. It exploits software vulnerabilities and is often delivered through phishing emails.
Phishing : Email or malicious websites are used to collect sensitive information or infect a computer with malware. Most phishing emails appear to be sent from a legitimate source. When recipients click on a link or open an attachment, a malicious code is run, infecting the computer.
Viruses : These harmful programs are designed to spread from one computer to another and to connected devices. Their purpose is to give cybercriminals access to your system.

How Does Cyber Liability Insurance Work?

Cyber liability insurance can vary widely, depending on the specific policy. There is no standard form for this coverage. Each insurer has its own form and its own policy language. However, most cyber liability policies provide two basic types of coverage.

First-Party Cyber Liability Insurance

This coverage pays for immediate costs your company incurs as a result of a data breach or cybercrime. This may include costs of:

Repairing damaged hardware and software
Notifying public and employees
Public relations and marketing responses to safeguard your company’s reputation
Lost income from business interruption
Ransom demanded by cybercriminals
Credit monitoring for customers and other related expenses

Third-Party Cyber Liability Insurance

This coverage helps your company defend against lawsuits and claims by third parties. It covers your attorney fees, court costs, and any damages you are required to pay. Third-party cyber liability coverage helps protect your company against:

Breach of privacy lawsuits filed by customers or employees
Copyright infringement, libel, slander, and other media liability claims
Negligence or breach of contract claims
Fines from regulatory agencies

In addition to first and third-party liability coverage, some insurers offer risk mitigation services. These services are designed to help your company identify cyber threats in advance, so you can avoid them.

What Is the Cost of Cyber Liability Insurance?

The price of cyber liability insurance can vary dramatically from policy to policy. Factors affecting the cost include:

Industry
Policy limits
Access to sensitive data
Security measures in place
Claims history

With the current prevalence of cyberattacks, companies need protection. However, it can be difficult to determine how much coverage you need. Speak with our knowledgeable agent about cyber liability insurance for your business. We can help you find a policy that protects your company from cybercrime at the lowest possible cost.

How to Prepare Your Car for Spring

Tue, 16 Feb 2021 10:00:00 GMT

Spring is upon us, and the time is here to get your car ready for warmer weather and more driving. Harsh winters can take a toll on a vehicle. Essential maintenance now can help prevent major, expensive problems from developing when your time on the road increases in the warmer months. The following tips can help save you time and money in the future.

Wash Your Vehicle Thoroughly

Salt and road debris can accumulate on your car during the winter. Take it to a car wash (or do it yourself), and make sure the undercarriage is washed along with the exterior of the vehicle. Vacuum and clean the interior as well. Salt, mud, and moisture can accumulate on the floorboards during the winter months. You need to keep your vehicle clean to avoid rusting.

Test the Battery

Your car’s battery works harder in frigid temperatures. When winter is over, take it to an auto parts store that offers a free battery inspection to check whether a new one is needed. If your battery is low or older than four years, spring is an excellent time to replace it.

Top Off the Fluids

Check all your vehicle fluids and fill them up if they are low. Engine oil protects your engine against wear and tear. Brake fluid allows your car to stop more efficiently. Windshield wiper fluid is essential for visibility in all types of driving situations. As temperatures rise, it is even more critical to ensure you have enough engine coolant.

Replace Your Wipers

Windshield wipers take a beating in the wintertime. If they become frayed or worn, it will reduce visibility during a summer shower and increase your risk of having an accident. Wipers are inexpensive items. It makes sense to replace them routinely as part of your spring vehicle maintenance.

Inspect the Brakes

This step is vital before a spring or summer road trip. If braking produces a noise, or it has become more difficult to stop your vehicle, there is a good chance you need new brake pads. Take your car to a trusted mechanic for a brake inspection and have the brake pads replaced if they are worn.

Rotate Your Tires

Spring is the perfect time to inspect your tires for low tread and replace them if necessary. If your tires are still in good condition, have them balanced and rotated. This can ensure your tires wear evenly, extending the life of your tires and making driving safer for you and your family.

Check Under the Hood

Raise the hood of your vehicle and look carefully for any cracked or damaged hoses or belts. If any are worn down, have them repaired or replaced. This simple step could spare you many headaches down the road. For example, a busted radiator hose could cause your car to overheat and damage your engine.

Update Your Auto Insurance

It is always a good policy to hope for the best and prepare for the worst. Our knowledgeable agent can help ensure your auto insurance policy provides the protection you need if a road trip leads to an accident.

What Business Insurance Do I Need for Remote Employees?

Thu, 04 Feb 2021 10:00:00 GMT

Far more people are working from home now than ever before. In fact, working remotely has become the new normal as of 2020. This arrangement has many benefits for both employers and workers. But it is important for companies that now have remote employees to update their business insurance policies.

Why Is It Critical to Update Your Business Insurance for Remote Employees?

Employees who work from home are likely to have homeowners insurance if they own their homes, or renters insurance if they rent. However, these types of policies are not designed to cover business needs. In fact, most homeowners policies exclude coverage for any business-related loss.

The shift to remote employees has legal implications for a business. It creates a risk of exposure on several levels. Your existing policy may not cover new concerns inherent in the new situation. Risks associated with remote employees include cyber theft, employer liability for employee injuries, property damage to company-owned equipment, and commercial crimes.

What Types of Business Insurance Do You Need With Remote Workers?

Our experienced agent can help you design a business insurance package that provides the protection you need as an organization with remote employees. Types of coverage we recommend may include any or all of the following.

Cyber Liability Insurance

The risk of a cyberattack increases significantly with virtual employees working from home. Security measures should be put in place to help prevent a data breach, including an encrypted virtual private network (VPN) through which workers access company resources and applications, strong passwords, and updated antivirus firewall software.

Third-party cyber liability insurance protects your company should a client or customer sue you over a data breach, even if the breach occurs remotely. It will cover your attorney fees, court costs, and the damages you are required to pay, up to the policy limits. First-party cyber liability insurance covers damages your company suffers from a data breach. This may include the costs of notifying affected clients and providing them with ongoing credit and fraud monitoring. If you are in the IT business, both types of cyber liability insurance may be bundled with your technical errors and omissions (E&O) insurance.

Workers’ Compensation Insurance

Businesses with employees are required to carry workers’ comp insurance in most states. This insurance generally covers remote workers. The injured employee must prove that the injury or work-related illness occurred performing work duties during business hours.

General Liability Insurance

This coverage helps protect your organization from liability for bodily injury or property damage to a third party caused by your company or employees, including medical coverage. It also covers advertising injury, such as libel or slander.

Commercial Property Insurance

This type of insurance is designed to protect the equipment, inventory, and assets of a business. If your company has remote workers, they are likely using laptops or other equipment belonging to the business but used offsite. If so, it is important to ensure your commercial property insurance policy covers company-owned equipment used by remote workers in their homes.

Navigating Uncommon Traffic Situations

Mon, 01 Feb 2021 10:00:00 GMT

Driving in traffic today can be hazardous under any circumstances. When a stop light goes out, or other unusual situations develop, the risk can become even more significant. The following are some tips to help you navigate safely in some uncommon traffic situations.

General Rules for Navigating Traffic

When you get behind the wheel and venture out into traffic, presence of mind plays a vital role in your safety. Here are four items to be mindful of in traffic:

Stay alert and focused on your driving. Even if you are stuck at a complete stop in a traffic jam, don’t let your mind wander. Remain aware of your surroundings so you can react quickly in any situation.
Maintain a safe distance from the car ahead. A lot of stopping and starting goes on in heavy traffic. You can reduce your risk of a collision by keeping a safe distance from the vehicle in front of you. And remember, the faster you are traveling, the more space you will need to stop.
Try to remain patient. Road rage and aggressive driving have caused many tragic accidents. If you find yourself crawling along or at a dead stop because of road construction or an accident ahead, listen to some good music, think positive thoughts, or do whatever it takes to keep your cool.
Use your turn signals. If you need to change lanes or turn left or right, use your turn signals to let other drivers around you know your intentions. Otherwise, they may not react in time to avoid a crash.

What to Do When a Stoplight Goes Out

A power outage can put a stoplight out of commission, so drivers are left with flashing red lights in all directions. In this situation, treat the stoplight like a four-way stop. The rules are simple:

The first vehicle to arrive at the intersection goes first.
If two vehicles arrive at the intersection simultaneously, the one on the right goes first.
If two vehicles traveling in opposite directions arrive at the same time, they may both proceed straight through the intersection simultaneously. If one of the drivers is making a left turn, that driver yields to the driver who is going straight.
All the drivers at the intersection are required to yield to pedestrians.

Drivers are not always familiar with these rules, so you should not assume other drivers know the rules. When you are approaching an intersection with a traffic signal outage, be sure other drivers come to a complete stop before you proceed.

When the power goes out, flashing red lights are generated by backup power, which can last for up to eight hours. If power is not restored within that time, signals go out entirely. The intersection should also be treated as a four-way stop in this situation.

Make Sure You Have Enough Auto Insurance

No matter how diligently you drive, accidents happen every day, in uncommon and normal traffic conditions. It makes sense to protect yourself from liability, bodily injury, or damage to your vehicle in case of a crash. Our friendly agent can help you ensure you have the auto insurance coverage you need.

What Makes Hotel and Motel Hospitality Insurance Different from Other Business Insurance?

Tue, 19 Jan 2021 10:00:00 GMT

Hospitality insurance is different from other business insurance because the industry faces a wider range of risks. A hotel or motel business owner’s policy (BOP) should cover property and assets, protect against liability, and keep you in compliance with state and federal regulations for employers. Our skilled agent is prepared to adjust a hotel and motel hospitality insurance package to fit your specific business needs.

Liability Coverage for Hotels and Motels

Hospitality business owners face a high risk of liability, by the very nature of the business. It is vital to have sufficient liability insurance to protect your hotel or motel business. Types of liability coverage you may want to include in your BOP include:

General liability: If guests are injured or their property is damaged on hotel premises, this coverage can protect your business.
Cyber liability: This can provide liability protection in case of a data breach that allows criminals to access your guests’ personal information, including names, addresses, and credit card numbers.
Workers’ compensation: Employers are required by law to carry this insurance. It covers medical expenses and reimburses lost wages for workers injured on the job.
Commercial auto: Liability coverage under a commercial auto insurance policy can protect your hospitality business in case a company vehicle, such as a shuttle or limo, is involved in a crash.
Employment practices liability: Turnover is high in the hospitality industry, and employee lawsuits are not uncommon. Employment practices liability insurance protects your business from lawsuits brought by employees alleging discrimination or harassment.
Premises pollution liability: This coverage kicks in if guests are exposed to mold or airborne pollutants on the premises and become ill. It helps pay for medical bills, cleanup costs, etc.
Liquor liability : If your hotel has a bar or serves alcoholic beverages, liquor liability insurance is a must. It protects your business from liability in case an intoxicated guest causes bodily injury or property damage.
Foodborne illness liability: You need this coverage if your hotel has a restaurant or room service. It protects you from liability for foodborne illnesses, such as Salmonella or E. coli.

Hotel and Motel Property and Asset Protection

A hotel or motel is a major financial investment. It makes good business sense to protect your business against property and income losses. Types of hotel and motel insurance coverage you may need may include:

General property: In case of theft, vandalism, fire, or other perils
Business interruption: If you are forced to close because of a covered event
Equipment breakdown: To repair damage and replace lost income
Food spoilage: To protect you from financial loss in case a power failure or equipment breakdown causes food to spoil
Utility interruption: To compensate your business for losses caused by a sustained utility outage
Crime: To protect you from losses caused by guest or employee theft

The cost of hotel and motel hospitality insurance can vary widely, depending on several factors, including the location and size of your hospitality business and the types of services you offer. Our experienced agent can help you find the right coverage at the best available rates.

Driving Tips for Long Trips

Sat, 16 Jan 2021 10:00:00 GMT

Setting out on the open road can be an exciting adventure, but you need to plan in advance to avoid fatigue and the risk of crashing. The following driving tips can help you maximize the fun and minimize the risks of embarking on a long road trip.

Get a Vehicle Checkup

Before a trip, make sure your car is in good operating condition. At a minimum, check the fluids and the tire pressure. If you are planning a long road trip, it may be wise to have your mechanic give your vehicle a thorough checkup before you set out.

Get Rest and Nourishment Before Hitting the Road

If you are planning a long drive, get plenty of sleep the night before and eat a good meal before your trip. Studies have shown that driver fatigue is a major contributing factor to accidents. Driving hungry can also lead to a loss of concentration or fatigue when behind the wheel.

Take Rest Breaks

Even if you don’t feel sleepy, pull over and take a break every few hours on a long drive. Be sure to park off the road – not on the shoulder. Get out of the car for some fresh air and to stretch your legs. Take a quick nap if you need to.

Now is the time to have a snack if you’re hungry. Eating while driving is a form of driver distraction that can contribute to accidents. Nutrition-packed snacks, as opposed to fast food, can help you remain alert on your trip.

Stay Hydrated

This is important for increasing your energy on the road. Make sure you carry plenty of water for the trip. It may mean more bathroom stops, but you can combine them with your rest breaks to save time.

Keep Passengers Entertained and Happy

When passengers (particularly children) get bored on a long drive, it can lead to bickering, which causes stress and fatigue for the driver. Encourage passengers to either engage in pleasant conversation or pass the time with books, puzzles, or other diversions. Road trip games, such as I Spy, Twenty Questions, or Association can help the hours pass more quickly. If your vehicle has a video system in place, you can also play videos for your children to help keep them entertained.

Fill Up Frequently

When traveling on unfamiliar roads, it can be difficult to gauge the distance to the next gas station. Don’t wait until your vehicle is close to empty to stop for refueling. Start looking for a place to gas up as soon as it gets down to a quarter of a tank. Passengers can use their smartphones to help you find a gas station close to where you are traveling.

Make Sure You Have the Right Auto Insurance

Even when you plan in advance and take steps to stay safe on the road, there is always some risk of an accident, vandalism, or other damage to your vehicle. That is why it is so important to have the right auto insurance. Our friendly agent can review your policy and help ensure you have the auto insurance coverage you need.

Beginner's Guide to Commercial Auto Insurance

Sat, 09 Jan 2021 10:00:00 GMT

Are you using company-owned vehicles to conduct business? You might need to consider getting commercial auto insurance. For those who are new to the game, this may be a confusing subject. You know you need coverage, but may not be clear on what kind or how much. Our knowledgeable agent can help ensure you have the specific coverage you need for your unique operations. The following is some general information about commercial auto insurance for beginners.

What Is the Difference Between Personal and Commercial Auto Insurance?

Personal auto insurance policies only cover claims related to the personal use of a vehicle. This includes commuting to and from work. They have lower policy limits and cost less than commercial auto insurance policies. Insurance companies will deny personal auto insurance claims for accidents that occur when a vehicle is being used for business purposes.

Commercial auto insurance is designed for business-owned vehicles that tend to cover more ground. They typically have higher policy limits and higher premiums due to the increased risk.

Who Needs Commercial Auto Insurance?

If one or more vehicles are used to perform tasks related to your occupation or business other than commuting, you probably need commercial auto insurance. This coverage is needed when vehicles are:

Owned by a corporation or partnership
Performing a service
Transporting people or goods for a fee
Transporting clients or employees
Hauling tools or equipment used to conduct business
Towing a trailer used to conduct business
Driving to and from work sites
Operated by employees in the course of their jobs

What Does Commercial Auto Insurance Cover?

Commercial auto insurance covers the cost of accidents involving business vehicles. It includes the following types of coverage:

Liability for auto accidents : Liability coverage pays for damages in an accident you or your employee caused, including medical bills and property damage. It will also cover your legal expenses in the event you are sued.
Medical: This coverage will pay for medical expenses if you, your employee, and/or any passengers are injured in an accident. It kicks in regardless of who was at fault for the crash.
Collision and vehicle damage: This insurance protects you financially against damage to the vehicle caused by inclement weather, vandalism, or impact with an object.
Uninsured motorist: Despite state laws against it, one in eight drivers in the U.S. drive without the mandatory minimum insurance, as stated by the Insurance Research Council . Uninsured motorist coverage protects you in case an uninsured driver causes a crash with a company vehicle.

What If the Vehicles You Use for Business Are Not Company Owned?

If you rent or lease your vehicles, or if you or your employees use personally-owned vehicles for business purposes, commercial auto insurance will not protect you. In that case, you need hired and non-owned auto insurance. Personal auto insurance will not cover accidents that occur when a vehicle is being used for business purposes. Having hired and non-owned auto insurance can help protect you and your employees from personal liability for accidents.

If A Contractor Damages My Home, Whose Insurance Covers It?

Fri, 08 Jan 2021 10:00:00 GMT

Homeowners insurance is designed to provide you with financial protection from loss due to theft, disasters, and accidents. But what happens if a contractor causes damage to your home? In this case, your homeowners insurance may help cover the cost of repairs, but will likely seek reimbursement through the contractor’s general liability insurance.

Damage to Your Home From an Accident Caused by a Contractor

Although many contractors are reliable, some have been known to cause house fires and other accidents that cause damage to a property. If this happens to you, your homeowners insurance may help pay for repairing the damage, then pursue reimbursement from the contractor’s insurance company.

Before any work is begun on your home, it is important to ensure the contractor has adequate insurance coverage. Ask to review a copy of the contractor’s policies and make sure they include commercial general liability insurance and workers’ compensation. If the contractor is unwilling or unable to provide verification of insurance, hire someone else.

Damage to Your Home From Poor Contractor Workmanship

Naturally, when you hire a contractor to work on your home, you hope the workmanship will be of the highest quality. Unfortunately, contractors have been known to perform shoddy work or use defective materials.

Your homeowners insurance will not cover poor workmanship in itself, but it may cover resulting damage. For example, if an electrician installs faulty wiring that causes a fire, your homeowners policy will likely cover the damage caused by the fire, but not the cost of repairing or reinstalling the wiring. For that, you would need to turn to the contractor to make it right. The same principle would apply if a plumber did a poor job that resulted in a water leak that caused damage to your home. Your insurance would likely cover the water damage, but not the cost of plumbing repairs.

Adjusting Your Coverage for Additions or Renovations

Every insurance policy has limits. Typically, your homeowners policy limits should cover the cost of repairing damage to your home or rebuilding it completely at current prices with equal quality. These costs may be higher if you are renovating or adding onto your home.

Your existing coverage may not extend automatically to a newly built addition, so you may need to make changes to your policy if you decide to add on. “Dwelling under construction” or “renovation” insurance can also be added to your homeowners insurance policy to cover you in case of a foundation collapse, damage to building materials, or theft of building materials.

Professional Insurance Advice

Before you have contractors begin work on your home, meet with our experienced agent. We can review your homeowners insurance policy and help you ensure you have the right coverage to protect you in case the worst should happen. We can also advise you on what to look for when reviewing a contractor’s insurance policies.

Essential Insurance Coverage For Online Businesses

Sat, 19 Dec 2020 15:22:00 GMT

What Threats Do Internet Businesses Face?

Internet connection loss because of weather, fire, or vandalism
Hackers and cyber theft
Computer viruses
Privacy of customer information
Copyright violations
Breach of contract allegations
Product liability
Suspension from an e-commerce platform

What Types of Insurance Does an Online Business Need?

Cyber liability insurance: This coverage can protect your business in case of a data breach, whether the information is stolen or leaked. Many cyber liability insurance policies will cover business interruption, computer restoration, ransomware expenses, public relations, and legal fees related to a data breach.
Commercial general liability insurance: This insurance helps protect your business from third-party liability for property damage or personal injury on your business premises, and from liability for injury caused by any product your business sells. Amazon and other e-commerce platforms require businesses that sell through them to carry commercial general liability coverage.
Seller suspension insurance: If your online business operates by selling through an e-platform such as Amazon, you are probably aware that your account could be suspended at any time, at the discretion of the platform. Even if you appeal the suspension and win, your business could come to a halt for weeks or even months, causing a significant loss of income. Seller suspension insurance could help cover your losses and expenses involved in getting your account reinstated.
Chargeback insurance: This coverage is designed specifically for retailers who are paid primarily with credit or debit cards. It protects your business from loss in case of charges made with stolen cards or counterfeit card numbers.
Workers’ compensation insurance: If you have employees, you need a workers’ compensation policy in case of a work-related accident or illness. Workers’ comp will cover an injured employee’s medical expenses and lost wages from time away from work. It also helps protect your business from potential injury lawsuits filed by employees.
Employment practices liability insurance: We live in a litigious society. Employees file lawsuits against employers in high numbers in the USA, alleging discrimination, harassment, wrongful termination, and other employment practices claims. If your online business has employees, you should consider purchasing employment practices liability insurance to protect your enterprise against these claims.

Preparing Your Home For The New Year

Wed, 16 Dec 2020 15:17:00 GMT

Clear Out the Clutter

Wipe down the kitchen walls and ceiling: Use a sponge mop with dish soap and water to clean the ceiling. Use a cloth to wipe down walls and woodwork.
Turn your mattresses: Vacuum the box springs with an upholstery attachment when you remove the mattress to flip it. Wash your comforters, throws, and pillow covers to give beds a fresh smell.
Clean out your junk drawers, coat closet, pantry, etc.: When you tackle an area, take everything out, clean all the surfaces, discard unwanted items, and organize and replace remaining items. The best way to start organizing is to make piles of items to keep, throw away, give to charity, return, repair, etc.

Make Sure Your Home Is Safe

Get Ready for Harsh Weather

Clean leaves, dirt, and debris out of your gutters.
Weather strip outside doors and windows to help keep heat in and cold air out.
Get annual maintenance performed on your furnace.
Clean or replace air filters and humidifiers.
Install a programmable thermostat (if you haven’t already done so).
Hang thicker curtains or drapes to improve insulation.

Ensure You Have the Right Home Insurance Coverage

Does My Building Have Enough Coverage?

Fri, 04 Dec 2020 15:20:00 GMT

How Much Commercial Property Insurance Is Enough?

What Does Commercial Property Insurance Cover?

Building
Inventory
Equipment
Furniture
Satellite dishes
Accounting records and essential documents
Outdoor signage
Fencing
Landscaping
Damage to property of others

What Factors Determine Business Insurance Rates?

Occupancy: The type of business occupying a building can affect its fire rating, commercial property insurance rates, and the amount of coverage needed. For example, a restaurant has a higher risk of fire than an office building.
Construction: If your building is constructed out of fire-resistant materials, you could pay less for business insurance. This is something to consider, if you are adding on or remodeling. Using wood floors, stairways, or partitions can increase your rates.
Location: If your business is in an extreme weather area, you are at higher risk for damage, which means your premiums are likely to be higher. As cities and towns have fire protection, it could also affect your rates for a building located outside the city.
Protection: Does your business have a security system, a fire alarm, and a sprinkler system? How far away are the nearest fire station and the nearest fire hydrant? These may be factors in the cost of commercial property insurance.

Do I Need To Insure My Car During Winter Storage?

Tue, 01 Dec 2020 15:15:00 GMT

What Are the Disadvantages of Canceling Car Insurance for Winter Storage?

Lender and state requirements: You may not have the option to drop your car insurance if you financed your car. As a condition of your loan, continuous coverage is likely required. In addition, mandatory minimum auto insurance may be required for your vehicle registration to remain valid.
Gap in coverage: If you cancel your policy when you put your car in storage, it creates a gap in coverage, which makes your auto insurance history look riskier to insurers. This could mean higher premiums when you reinstate your policy.
No protection for your vehicle: With no comprehensive coverage, you will not be protected from damage that could occur during the period your car is parked in storage. A vehicle does not have to be on the road for mishaps and damage to occur. A roof collapse, a tree falling on the building, fire, theft – anything is possible.

What Are Your Options for Insuring a Car In Winter Storage?

Do I Need More Than Just General Liability Insurance?

Thu, 19 Nov 2020 13:46:00 GMT

What Is Covered by General Liability Insurance?

What Additional Coverages May Be Needed?

Workers’ Compensation

Errors & Omissions (E&O)

Lawyers
Architects
Engineers
Accountants
Insurance agents
Real estate agents
Financial advisors
Consultants
IT companies

Commercial Property

Employment Practices Liability Insurance (EPLI)

Commercial Auto

Avoid Common Home Accidents During The Holiday Season

Mon, 16 Nov 2020 13:40:00 GMT

Decorating Fall Accidents

Use a sturdy, dependable ladder on a level surface.
Make sure step ladders are fully opened and locked.
Move the ladder instead of overreaching.
Place the bottom of the ladder one foot from the wall for every four feet in height.
Have another person standing by to assist you while stringing lights and exterior ornaments.

Fires During the Holiday Season

Make sure to follow all proper safety precautions if you choose to deep-fry your Thanksgiving turkey.
Check for freshness when buying a live Christmas tree. The tree should be green, and the bottom should be sticky with resin. When tapped on the ground, the tree should not lose many needles. The needles should be difficult to pull from the branches and should not break when you bend them between your fingers.
Place your Christmas tree away from heat sources.
Make sure the tree is supplied with water at all times.
Look for the “Fire Resistant” label when buying an artificial tree.
Keep candles on a stable, heat-resistant surface, well away from flammable items.
Keep all burning candles in sight. If you are leaving the room, extinguish candles first. Flameless LED candles are far safer. If you enjoy candle scent, you have alternatives to candles.
Use only lights that have been safety tested by a nationally-recognized lab.
Check each set of lights for frayed wires, loose connections, and cracked or broken sockets. Discard any damaged sets.

Slip and Fall Accidents

Is My Event Big Enough For Special Event Insurance?

Wed, 04 Nov 2020 13:43:00 GMT

What Are the Reasons to Buy Special Event Insurance?

Liability

Slip and fall accidents
Fights between attendees
Collapsing structures that cause injury
Auto accidents caused by intoxicated guests
Fires or damage to property caused by employees

Venue Requirement

Cancellation Protection

What Is Not Covered by Special Event Insurance?

Fireworks
Firearms
Trampolines
Ski jumping or other aerial maneuvers
Rodeo events
Amusement equipment

How Much Does Special Event Insurance Cost?

What Happens If I Get In A Wreck With An Uninsured Driver?

Sun, 01 Nov 2020 13:38:00 GMT

Uninsured Motorist Coverage

Underinsured Motorist Coverage

$25,000 per person bodily injury
$50,000 per accident bodily injury
$25,000 property damage

How Much Uninsured/Underinsured Motorist Coverage Do I Need?

How Much Does Uninsured/Underinsured Motorist Coverage Cost?

Beginner’s Guide To Workers’ Comp Insurance

Mon, 19 Oct 2020 16:29:00 GMT

What Types of Injuries Are Covered By Workers’ Comp

What If I’m At Fault for the Accident that Caused My Injuries?

What Benefits Are Provided By Workers’ Comp?

Compensation for any permanent disability
Occupational rehabilitation or retraining if your injuries prevent you from returning to your previous position
Survivor benefits for families of workers killed on the job

How Do I Apply for Workers’ Compensation Benefits?

Are My Workers’ Compensation Payments Taxable Income?

What If My Workers’ Comp Claim is Denied?

Insufficient evidence that the injury is work-related
Employer is disputing the claim
No medical treatment was received
Injury was not reported to the employer within the specified time limit
Claim for benefits was not filed before the deadline

How To Know When Your New Car Needs A Tune-Up

Fri, 16 Oct 2020 16:24:00 GMT

A Light on the Dashboard Comes On

Your Gas Mileage Decreases

Your Car Is Making Unusual Noises

You Feel Unusual Vibrations

Your Vehicle Has Less Pickup

The Engine Misfires

Protect Your New Car Investment with the Right Auto Insurance

Do I Need Commercial Property Insurance If I Work From Home?

Sun, 04 Oct 2020 16:26:00 GMT

What Does Commercial Property Insurance Cover?

Building in which the business is housed
Signage
Computers, phone systems, furniture, and other office equipment
Inventory in stock
Accounting records
Vital company documents

Does Your Home Business Need Commercial Property Insurance?

How Can Commercial Property Insurance Protect Your Home Business?

Do I Need Other Business Coverage In Addition to Commercial Property Insurance?

Liability Insurance

Commercial Auto Insurance

Product Liability Insurance

Professional Liability Insurance

Beginner’s Guide To Renters Insurance

Thu, 01 Oct 2020 16:19:00 GMT

What Does Renters Insurance Cover?

Named Perils

Fires
Explosions
Smoke damage
Plumbing issues
Electrical malfunction
Theft
Vandalism
Lightning damage
Windstorms or hail
Riots
Vehicle or aircraft damage

Loss of Use

Liability

What Is Not Covered By Renters Insurance?

How Much Renters Insurance Do You Need?

How Much Does Renters Insurance Cost?

How Is Commercial Trucking Insurance Different From Standard Commercial Auto Insurance?

Sat, 19 Sep 2020 12:45:00 GMT

Why Are Insurance Requirements Different For Commercial Trucking?

What Types Of Coverage Are Included In A Commercial Trucking Insurance Package?

Damage to property and commodities: It provides coverage for damage caused by your truck to someone else’s property, as well as damage to commodities you are hauling (e.g., if they are delivered to the wrong location).
Bodily injury: If your truck causes injury to a person, your commercial trucking insurance will pay for resulting medical bills and cover you in case of a lawsuit. It can also help protect you from liability if another person is injured on your property.
False advertising, libel, and slander: General liability coverage helps protect you against lawsuits for libel, slander, or false advertising. This protection may be needed if you use any type of advertising.

Can Other Types of Coverage Be Included In Commercial Trucking Insurance?

Bobtail insurance: This covers you for accidents that may occur when your truck is not being used for a job. Such a crash would involve just the truck, not the trailer.
Reefer breakdown coverage: This policy endorsement covers costs of refrigeration breakdown, lost cargo, and damage to products (with certain exclusions) caused by a collision.
Uninsured/underinsured motorist coverage: If an uninsured or underinsured driver causes an accident involving your truck, you could be left holding the bag for resulting expenses. This coverage helps protect you in such an event.
Motor truck cargo insurance: This insurance can help protect you from financial loss due to cargo damage caused by a disaster, such as an ice storm or a traffic jam.

How To Prepare Your Home For Fall

Wed, 16 Sep 2020 12:38:00 GMT

Check for drafts: Reduce your heating bills and stay warmer in the fall and winter months by caulking or sealing any cracks in doors and windows to help prevent drafts.
Put up storm windows: Store removable screens when the weather gets cooler and install storm windows in their place.
Clean your chimney and fireplace: Clear out any wood and ash from the fireplace and have a professional clean and inspect the chimney to help keep smoke, soot, and carbon monoxide out of your home. Make sure the damper closes tightly to help reduce drafts.
Winterize your air conditioning: Unplug and store removable window air conditioning units. If you have central air, cover your outdoor unit to prevent ice and debris from causing damage. With an HVAC system, you will need to switch the thermostat from cooling to heating, change the filter, and clean the air ducts.
Drain your water heater: Now is the time to drain the water from your water heater and clean out any debris that has settled at the bottom of the tank.
Clean gutters: Leaves, debris, and animal nests should be cleared out of your drainpipe and gutters to keep them from clogging. Check for leaks at the same time.
Replace batteries in smoke detectors: Before you start lighting fires to take the chill out of the room, replace the batteries in your smoke and carbon monoxide detectors and test them to ensure they are working properly.
Shut off outdoor faucets: Before the first freeze, drain your garden hoses and disconnect them from outdoor spigots. Shut off the faucets and store your hoses in a dry place.
Inspect trees for damaged limbs: A winter storm can cause tree limbs to break off, damaging nearby structures. Prune your trees to remove any damaged limbs that may be susceptible to breakage or are too close to power lines or structures such as a balcony or roof.
Store outdoor furniture: The end of summer is the time to clean and store your lawn furniture. Keep outdoor furniture in a dry place over the winter months.
Inspect the roof: If you can do so safely, check the roof and look for loose, damaged, or missing shingles. If you have a flat roof, remove leaves and debris that have accumulated over the summer months.

Make Sure You Have The Right Homeowners Insurance

Common Questions & Answers About Business Insurance

Fri, 04 Sep 2020 12:42:00 GMT

Why Is It So Important To Have Business Insurance?

How Much Will Business Insurance Cost?

Value of your assets
Risks associated with your industry
Number of people you employ
How much coverage you want (policy limits)

What Is A BOP & What Does It Cover?

What Is The Difference Between Professional Liability & General Liability Insurance?

Does My Business Need Hired & Non-Owned Auto Insurance?

What Factors Affect The Cost Of Workers’ Compensation Insurance?

What Is EPLI?

Is There Collector’s Insurance For Vehicles Other Than Cars?

Tue, 01 Sep 2020 12:26:00 GMT

Collector’s Motorcycle Insurance

Triumph Bonneville
Harley Davidson FLH
Yamaha RD350 BSA Lightning
Harley Davidson Sportster
Honda CB350 Ariel Square 4
Norton Commando
BMW R69 Cushman Pierce Four
Vincent Black Shadow
Café Racers Indian Chief

Minimum age requirement for owner
The bike kept in a garage
The minimum value of the bike
The motorcycle is over a certain age

Classic Boat Insurance

Classic wooden boats
Collectible fiberglass boats, such as runabouts from the 1950s and 60s
Utilities with large, open interiors
Cruisers with enclosed cabins, with coverage depending on an out-of-water and condition survey
Sailboats, including yawl, sloop, catboat, gaff rig, and cutter
Launches, with open configuration and seating for several passengers

Vintage RV Insurance

Get a certified appraisal that reflects the true value of the vehicle. Our agent can refer you to a specialist qualified to determine the real market value of a restored antique RV.
Find an insurance company that writes classic RV policies. Not all insurance companies do. Our agent can help you get the best quote available.
Purchase an agreed-upon value RV insurance policy, based on your appraisal, as opposed to an actual cash value policy.

Work With An Experienced Agent

What Makes Restaurant Insurance Different From Other Business Insurance?

Wed, 19 Aug 2020 16:52:00 GMT

What Types Of Coverage Should Be Included In A Restaurant Insurance Policy?

Business owner’s policy (BOP): This insurance combines commercial property and liability coverage in one policy. It helps protect the property on which your restaurant is located, including your building, equipment, and signage, and it also provides coverage for liability to customers and staff.
Workers’ compensation: If your restaurant employs workers, you are likely required by law to carry workers’ comp insurance. This coverage is designed to protect your employees in case of work-related injuries or illnesses and to protect you against lawsuits based on workplace injuries.
General liability: This basic coverage can provide protection against lawsuits arising from accidents and mishaps that occur on your property, such as slip and fall accidents, or if someone becomes ill from eating spoiled food products served in your establishment. It can also protect you from liability for damage to customers’ vehicles if you offer valet service.
Business income: Your restaurant business may suffer a significant financial loss if a key vendor is suddenly unable to supply what you need to keep your business running. Business income coverage provides protection against loss of earnings in the event of a covered loss.
Commercial auto: If you offer a food delivery service, you need commercial auto insurance for company-owned vehicles. If your delivery drivers are using their own vehicles, you need hired and non-owned auto liability coverage.
Liquor liability: Any establishment that sells or serves alcoholic beverages has exposure to liability if a customer under the influence causes bodily injury or property damage. Liquor liability insurance can help cover your legal costs and any damages arising from such an incident.
Employee theft coverage: Food and money are both easily accessible to restaurant workers. Employee theft coverage can help compensate you for financial losses if an employee steals from your business.
Food contamination/spoilage coverage: A power outage, equipment breakdown, or other events could cause food to spoil or become contaminated. This coverage can help replace the spoiled food.
Employment practice liability insurance (EPLI): Like other employers, restaurants are sometimes sued by employees making wrongful termination, discrimination, sexual harassment, or other employment-related allegations. EPLI insurance can provide protection against such lawsuits. You may also want to add third-party coverage to address claims made against your business by customers or vendors based on acts committed by your employees.

Am I Required To Have Homeowners Insurance?

Sun, 16 Aug 2020 16:38:00 GMT

Why Mortgage Lenders Require Homeowners Insurance Coverage

Insurance Coverage You Will Need On Your Home To Satisfy Your Mortgage Lender

Homeowners Insurance Protects You As Well As Your Lender From Loss

A Homeowners Policy Can Help Protect You From Liability

Your teenage daughter invites over a friend who trips on a vacuum cleaner cord and falls, breaking her wrist.
A large tree limb in your backyard falls onto your neighbor’s property, causing structural damage to his or her fence.

Common Benefits Of Commercial Property Insurance

Tue, 04 Aug 2020 16:42:00 GMT

What Types Of Protection Does Commercial Property Insurance Provide?

Natural disasters: When a commercial property lies in the path of a tornado or hurricane, the owner is usually responsible for expenses such as demolition, debris removal, and rebuilding. Commercial property insurance can help cover these costs.
Bodily injury liability: If a visitor on your property slips or trips and falls and sues you for damages, your commercial property insurance policy can help cover your legal expenses and any settlement or damages you are required to pay.
Breaking and entering: If someone breaks into your building, steals inventory or equipment, and causes damage to the property, commercial property insurance can help cover your losses.
Lawsuits against tenants: If your commercial tenant is not paying rent or is maliciously destroying your property, commercial property insurance may cover the cost of suing to recover damages from that tenant.

Are There Tax Benefits With Commercial Property Insurance?

How Much Does Commercial Property Insurance Cost?

Value: The overall worth of your building and total business assets
Location of the property: Is it in an area prone to hurricanes, tornadoes, or other natural disasters?
Construction of buildings: Was the building constructed with fireproof materials. Are the electrical, plumbing, and HVAC upgraded?
Fire and theft protection: Does the property have a fire alarm, sprinkler system, and security system? How close is it to a fire hydrant and a fire station?
Occupancy: What type of industry is the property housing? Some businesses carry more risk than others.

Will My Auto Insurance Cover Me If I Drive Across The U.S. Border?

Sat, 01 Aug 2020 16:35:00 GMT

U.S. Auto Insurance Coverage Is Recognized In Canada

Additional Coverage Is Needed In Mexico

Liability for bodily injury and property damage
Physical damage to your vehicle
Theft or vandalism
Medical payments for policyholder and passengers
Medical evacuation after an accident
Vehicle loan or lease payoff
Roadside assistance
Legal assistance after a collision

Expect Different Auto Insurance Requirements In Different Latin American Countries

Talk With An Experienced Agent Before Taking A Trip Across The Border

Does Workers’ Comp Cover Work-Related Accidents Outside The Workplace?

Sun, 19 Jul 2020 16:38:00 GMT

When Are Accidents Work-Related?

Was The Employee On The Clock?

Employer-Sponsored Events

Areas Outside The Main Workplace

Exceptions To The Rule

Planning Your Driving Route For Maximum Efficiency

Thu, 16 Jul 2020 16:32:00 GMT

How To Find The Most Efficient Driving Route

Avoid Left Turns

Plan For Multiple Stops

Avoid Road Construction

Steer Clear Of Heavy Traffic

Make Sure You Have The Right Auto Insurance Coverage

Is My Small Business Big Enough For Key Person Insurance?

Sat, 04 Jul 2020 16:35:00 GMT

How Do I Know If My Business Needs Key Person Insurance?

How Does Key Person Insurance Work?

How Much Key Person Insurance Will My Business Need?

Does My Auto Insurance Cover My Trailer?

Wed, 01 Jul 2020 16:29:00 GMT

How Are Trailers Covered Under Personal Auto Insurance Policies?

What If You Are Towing A Trailer Out Of State?

Different Coverage For Different Types Of Trailers

Insurance Coverage for Rented Trailers

How Is Contractors General Liability Insurance Different From Standard Commercial Liability Insurance?

Fri, 19 Jun 2020 17:15:00 GMT

What Is Standard Commercial Liability Insurance?

Bodily injury or property damage liability claims: This type of claim can arise if someone suffers personal injury or property damage on your premises or through your business operations. This may include mental or emotional damage, even if no physical bodily harm was sustained.
Personal or advertising injury claims: These claims may involve libel, slander, copyright infringement, malicious prosecution, or false arrest.
Medical payments: This coverage can be triggered without a lawsuit being filed. It includes medical payments for non-employee injuries that occur on your premises or through your business operations. It allows you to promptly settle smaller medical claims without going through litigation. It covers all reasonable and necessary medical, hospital surgical, ambulance, nursing, or funeral expenses.

What Is Contractors General Liability Insurance?

Customer property damage: Accidents happen, and they can be costly, for example, if a customer’s furniture, equipment, or building is damaged during a remodel. Contractors insurance can help cover the costs of repair or replacement.
Customer injury: Injuries are not uncommon on a construction site. If a customer trips and falls or is otherwise injured during a construction or remodeling project, your contractors general liability insurance can provide coverage for medical bills, attorney fees, settlements, judgments, and even funeral expenses, in the case of a fatal accident.
Advertising claims: It is possible to inadvertently advertise in a way that is too similar to a competitor’s advertising campaign. Copyright infringement, libel, slander, and other claims are typically covered by contractors insurance.

What Other Types of Insurance Coverage Do Contractors Need?

Workers’ compensation insurance
Commercial auto insurance
Professional liability insurance
Contractor’s tools and equipment insurance
Builder’s risk insurance

Avoid Common Home Accidents During The Summer

Tue, 16 Jun 2020 17:11:00 GMT

Sunburn

Apply sunblock 30 minutes before exposure and reapply every two hours.
Apply it everywhere, including the ears, lips, feet, and scalp.
Avoid the sun during peak times for UV rays (10:00 am to 3:00 pm).
Seek shade.
Wear a hat and cover your body with clothing.

Dehydration, Heat Exhaustion, & Heat Stroke

Wear lightweight, loose-fitting clothing.
Drink plenty of fluids.
Rest frequently in a cool place.
Get acclimated gradually to exercising in the heat.
Avoid strenuous activity during the hottest hours of the day.

Insect Stings & Bites

Stay indoors at dawn or dusk when mosquitos are most active.
Steer clear of bees and wasps. Wear light colored clothing and no perfume or scented lotion or shampoo. Resist the urge to swat away a bee or wasp flying around you – it can provoke the insect to sting you.
Wear long-sleeved tops, long pants, and closed shoes.
Use insect repellent.

Grill Fires & Burns

Check for propane leaks regularly.
Clean grill often to avoid grease fires.
Use grill away from the house, children, and guests.
Keep matches, lighter fluid, and grilling equipment in a safe place, out of the reach of children.
Install a shutoff timer if your grill connects directly to a gas line.

Will Special Event Insurance Cover My Event?

Thu, 04 Jun 2020 17:03:00 GMT

When Do You Need Special Event Insurance?

Weddings
Anniversary parties
Baby showers
Graduation parties
Birthday parties
Quinceaneras (girl’s 15th birthday)
Religious celebrations

Can You Get Special Event Insurance For Any Event?

What Exactly Does Special Event Insurance Cover?

Event Cancellation Coverage

Event Liability Coverage

Other Types Of Special Event Insurance Coverage

Applying For Collector Car Insurance? Make Sure You Take These Steps Beforehand

Mon, 01 Jun 2020 17:07:00 GMT

Eligibility For Collector Car Insurance

Classic or Antique Vehicle

Antique vehicle: For insurance purposes, a car that is 25 or more years old is considered an antique.
Historic interest: A ten to 24-year-old vehicle may be eligible for collector car insurance if it is a classic car, such as a muscle car or hot rod.

Limited Use

Condition of the Vehicle

Vehicle Storage

Other Conditions for Collector Car Insurance Coverage

Many insurance companies will not cover claims unless you were engaged in pleasure driving or participating in a hobby activity (show, exhibition, or parade) when the accident occurred. If you were driving to work, the store, or another destination, you may not be covered.
Most carriers will ask you to agree not to race your classic car or drive it on a racetrack.
Many insurers will only issue a collector car insurance policy if you are at least 25 years of age and have a minimum of ten years of driving experience with a good record (no more than one moving violation or at-fault accident within the past three years).

How Do Collector Car Insurance Policies Work?

No parts have been removed from the car
No deterioration of the car’s condition has occurred through neglect or abuse
No prior damage has been done to the vehicle

What Does Contractors Insurance Not Include?

Tue, 19 May 2020 16:40:00 GMT

What Kinds of Coverage Does Contractors Insurance Provide?

Property damage: This coverage applies in the event your company causes damage to a customer’s property.
Bodily injury: Contractors insurance covers medical expenses and court-awarded damages for injuries to others (besides the contractor and its workers) resulting from negligence.
Product claims: This insurance also covers claims related to damages caused by equipment your company installs.
Accidental advertising injuries: If your company slogan or advertising campaign is similar to a competitor’s, you could be sued for copyright infringement. If someone considers your advertising to be libel or slander, you could be facing a lawsuit for defamation. Commercial general liability insurance can cover any associated costs.

What Is Not Covered By Contractors Insurance?

Workers’ compensation insurance: Employers in most states are required to carry workers’ compensation insurance to protect their employees in case of work-related injuries. Workers’ comp covers injured employees’ medical expenses, partially reimburses them for lost wages, and protects employers from personal injury lawsuits filed by employees. Commercial general liability insurance does not apply if you or one of your workers is injured.
Commercial auto insurance: This insurance covers vehicles owned by your contracting business. It provides protection in the case accidents in which company vehicles are involved and protects against property damage related to theft, vandalism, and weather.
Builder’s risk insurance: This coverage kicks in when damage from fire, vandalism, or a covered peril occurs while a building is still under construction.
Professional liability insurance: This insurance covers you in case of professional oversights and mistakes, such as missing a project deadline.
Contractor’s tools and equipment insurance: If your tools or equipment are lost, stolen, or damaged, this insurance will help cover the cost of their repair or replacement. Commercial general liability insurance will cover damage to the property of others caused by your company and employees, but it will not cover damage to or loss of your company’s own property.

Tips For Maintaining An Older Car

Sat, 16 May 2020 16:30:00 GMT

Follow The Manufacturer’s Recommended Maintenance Schedule

Changing the oil and filter
Replacing the coolant
Replacing the spark plugs
Rotating the tires
Checking the brake fluid
Checking the tire pressure (including the spare)

Change The Timing Belt As Needed

Fill Your Car Up With High-Octane Gas Once A Year

Protect The Interior Of Your Car From The Hot Sun

Get A DIY Kit For Repairing Exterior Scratches

Take Your Older Car To See A Specialist

Make Sure You Have The Right Auto Insurance Coverage

Insurance Coverage For Churches

Mon, 04 May 2020 16:32:00 GMT

Nonprofit Insurance For Churches

Business property insurance: Churches are not immune to burglary, vandalism, theft, or acts of nature. Business property insurance can help protect church property from all types of covered losses. Your property may be insured for its actual cash value or the cost of replacement. All property owned by the church should be covered under its business property insurance policy.
Employee theft coverage: Theft of cash, securities, or property by employees or volunteers is not unheard of in churches. Employee theft insurance can help protect your church from this type of loss. Some insurers will extend coverage to include theft by volunteers as well as employees.
Liability insurance: Case law has eliminated most church immunity from tort liability. Churches are subject to the same types of lawsuits today as businesses that operate for profit. General liability coverage can help protect your church from third-party claims for bodily injury, property damage, personal injury, and advertising injury. It should cover employees, officials, staff, volunteers, and members. Employee benefits liability insurance can safeguard your church against costly claims by employees. A commercial umbrella policy can provide additional coverage beyond the limits of your general liability and auto liability insurance.
Errors and omissions insurance: Pastors who provide spiritual counseling can be held legally liable for emotional or physical injury to parishioners. To protect them, churches need pastoral counseling insurance, which is a type of errors and omissions insurance. Churches that perform cremations or burials also need cemetery professional liability insurance. You may also consider directors and officers (D&O) and employment practices liability (EPL) insurance to protect directors and officers from claims of wrongful acts and to protect the church against employees alleging discrimination and other employment practices claims.
Business auto insurance: If your church owns vehicles used to conduct church business, furnishes a vehicle to the pastor, or has parishioners that drive their automobiles to conduct church business, you will need business auto insurance. Your policy should include coverage for non-owned vehicles. If you own buses or vans that are used to transport parishioners, it can significantly increase your liability risks, particularly if drivers are inexperienced and vehicles are not well maintained.
Workers’ compensation insurance: Churches that have employees are usually required under state laws to purchase workers’ compensation insurance. Even if your state does not require churches to carry workers’ comp coverage, you may want to carry it voluntarily for protection against employee lawsuits.

Understanding Your Personal Umbrella Policy

Fri, 01 May 2020 16:26:00 GMT

What Is Personal Umbrella Coverage?

Situations In Which You Might Need Personal Umbrella Coverage

Teen Drivers

Intoxicated Party Guests

Homeowners Liability

Directors & Officers Liability Insurance Vs. Errors & Omissions Liability Insurance

Sun, 19 Apr 2020 17:05:00 GMT

What Is Errors & Omissions Liability Insurance?

Failed to provide professional services.
Provided services in a way that caused financial damages or some type of harm to the client.

Malpractice
Negligence
Design flaws
Financial damage

Why Do You Need E&O Insurance?

What Is Directors & Officers Liability Insurance?

Unfair business practices
Negligent acts
Employment practices
Conflicts of interest
Mismanagement of funds
Investment decisions
Release of non-public information

When Do You Need D&O Insurance?

Investors
Employees
Competitors
Vendors
Customers
Other parties

Homeowners Insurance For Tiny Homes

Thu, 16 Apr 2020 17:01:00 GMT

What Are Your Options For Insuring A Tiny Home?

What Is Excluded Under A Homeowners Insurance Policy For A Tiny Home On Wheels?

Damage incurred during transit of the home.
Theft of the house itself.

Combining Insurance Policies For Tiny Homes

Insurance For Stationary Tiny Homes

What If Your Tiny Home Is Not Certified?

Small Business & COVID-19: How Your Insurance Agent Can Help

Thu, 09 Apr 2020 13:41:00 GMT

Small Businesses: Financial Hardship & COVID-19

Protecting Your Family & Your Team

Insurance Questions: Business & Commercial Insurance

Working Together

How To Support Your Local Businesses During This Trying Time

Fri, 03 Apr 2020 09:00:00 GMT

Gift Cards: You can purchase a gift card from a local business, use it for yourself in the future, send it to someone you love, or donate the card to an organization or charity of your choice. While the holiday season seems far off, it will be upon us in no time. Purchasing gift cards now can provide critical cash flow for a struggling local business.
Online Shopping—Go Local: Many of us, even those of us who are working from home, have more time on our hands for online shopping. We encourage you to buy from your local businesses as much as possible rather than through Amazon. Many small businesses are offering free shipping, curbside pickup, and other convenient options to make the experience easy and safe.
Order In: Many of your favorite local eateries are offering food delivery services. Tired of trying to come up with ideas for home-cooked meals, or don’t love cooking? Your food delivery orders will help local restaurants weather the COVID-19 pandemic. Try a new restaurant from your neighborhood or nearby. The more you order in, the more likely the business will still be there to provide the foods you love when the outbreak is under control.
Tipping: Rather than tipping the standard amount, go bigger. Even essential businesses are feeling the pinch. Employees may have accepted a pay reduction, and a bigger tip can make a real difference.
Schedule Future Services: Now that you are spending more time at home, you may be considering upgrades, whether painting, remodeling, or repair services. If you schedule services in the future, a local business can have hope for the future and some confidence that they will be able to survive this challenging time.
Help Your Helpers: If your cleaning service, hairdresser, piano teacher, or another person you rely on is unable to provide services right now due to social distancing restrictions, consider continuing to pay them. Your payments could be what that person counts on to survive.
Reviews: You may have thought about leaving good reviews on Yelp for your local businesses, and there is no better time than now! Take the time to post a glowing review for the businesses you use in your local area. These reviews are among the most important ways small businesses attract new customers – and you can help!
Share On Social Media: You can help your local businesses by posting something positive about them on Facebook, Instagram, or Twitter, with a photo of your purchase and why you love it. Local businesses have cut back on advertising, and there is no better way to fill the gap than the world’s best advertising: word-of-mouth.

Our Local Agency Is Here To Help.

How To Avoid Accidents While Driving At Night

Wed, 01 Apr 2020 17:01:00 GMT

Factors That Contribute to the Dangers of Night Driving

Driver fatigue: According to the National Safety Council (NSC), driving after 20 hours without sleep is equivalent to driving with a blood alcohol concentration (BAC) at the U.S. legal limit of 0.08%.
Compromised night vision: The ability to see well in low-light conditions decreases as we age. NSC reports that a 50-year-old person may need twice as much light to see well as a 30-year-old, and night driving becomes even more challenging at age 60 and older.
Evening rush hour traffic: Days get shorter in the fall and winter. Evening rush hour (between 4 p.m. and 7 p.m.) is a risky time to drive, with congested roadways and drivers who are impatient to get home after a long day at work.
Impaired drivers: The National Highway Traffic Safety Administration (NHTSA) reports that one person dies in a drunk-driving crash every 50 minutes in the U.S. According to NSC, people drive alcohol-impaired more frequently at night. The prevalence of marijuana-impaired drivers on the roads on weekend nights has also increased by 48% since 2007.

What Should You Do To Help Avoid Car Accidents At Night?

To Avoid Drowsy Driving

Get seven or more hours of sleep a night.
Stop to rest every two hours.
If you have been awake for more than 16 hours, don’t drive.
If you feel drowsy, pull over and take a nap.

To Combat Compromised Night Vision

Get annual vision exams.
Reduce your speed while driving at night.
Minimize distractions, such as talking with passengers.
Clean your windshield.
Make sure your headlights are clean and aim them correctly.
Dim your dashboard.
Look away from oncoming lights.
If you wear glasses, make sure they are anti-reflective.

To Deal With Rush Hour Traffic

Slow down and don’t get impatient.
Stay in your lane and beware of drivers darting in and out of traffic.
Stay alert; avoid going on autopilot on familiar routes.
If you are taking an unfamiliar route, consult a map and memorize the route before you start.
Don’t allow yourself to become distracted by your phone, eating, drinking, or anything else.

To Avoid A Crash With An Impaired Driver

Stay alert and stay alive.
Try to stay off the roads during peak impaired driving hours – from midnight to 3 a.m. on weekends.

Make Sure Your Auto Insurance Coverage Is Adequate

What Will My General Liability Insurance Cover?

Thu, 19 Mar 2020 15:20:00 GMT

Common Uses For General Liability Insurance

Third-party bodily injury: A person who is injured on your business property, in a slip or trip and fall accident, for example, may file a claim against your company for damages. General liability insurance can help cover the damages, as well as your legal fees to help settle or defend against this type of claim in court.
Third-party property damage: If you or one of your employees, who is on the job at the time, accidentally damages another party’s property, you may face a property damage claim. General liability insurance can help cover the costs of settling or defending against the claim.

Less Common General Liability Insurance Uses

Lawyers to represent your business
Witness fees
Evidence costs

How Important Is General Liability Insurance?

Do I Need Tornado Insurance In My Area?

Mon, 16 Mar 2020 13:58:00 GMT

Will Homeowners Insurance Cover Damage To My Home From A Tornado?

Wind & Hail Tornado Damage

Flooding Tornado Damage

What Tornado Insurance Coverage Do I Need?

One of the biggest risks you face in case of a tornado is your home being underinsured. You may want to consider increasing its insured value.
Make sure your homeowners insurance policy does not exclude or limit windstorm damage.
Check to make sure you have an all risk or peril insurance policy to provide maximum protection for your home and personal property.
Find out what the basis of your claims payments will be. Make sure you have actual cash value (ACV) or replacement value with cash out option.
Ensure your additional living expenses (ALE) coverage is sufficient for your family’s needs if you are unable to live in your home while repairs are done to your property or in your area.

Insuring Farm Vehicles: Do I Need Commercial Auto Insurance Or Agribusiness Insurance?

Wed, 04 Mar 2020 15:13:00 GMT

What Is Agribusiness Insurance?

Property insurance: To protect your buildings and their contents, your equipment, and other real and personal property.
General liability insurance: To protect your business against liability for bodily injury, property damage, medical payments, etc.
Business income insurance: For protection against loss of income due to business interruptions.
Workers’ compensation insurance: This insurance is required by law for most employers and can help protect you from liability for employee injuries.
Crop insurance: This is valuable coverage that protects you against losses on a farm due to weather conditions, price fluctuations, and unavoidable diseases and pests.
Cyber liability insurance: To cover your losses associated with a data breach.

What Is Commercial Auto Insurance?

Bodily injury liability: This covers injury or death for which you are at fault, and usually provides you with legal defense.
Property damage liability: Protects you against liability for damage accidentally caused by your vehicle to another person’s property, plus legal defense in most cases.
Medical payments, no-fault, or personal injury coverage: This insurance pays for medical expenses for a driver or passengers in your vehicle who were injured in a covered accident.
Collision coverage: Pays for damages to your vehicle if it is involved in a collision with another vehicle or an object.
Comprehensive coverage: This coverage pays for damage to your vehicle from other causes than collision, such as theft, fire, flood, and vandalism.
Uninsured/underinsured motorist coverage: This insurance can cover your injuries and certain property damage if you are hit by an uninsured, underinsured, or hit-and-run driver.

7 Most Common Driving Hazards & How To Avoid Them

Sun, 01 Mar 2020 13:55:00 GMT

Congested Traffic

Reckless Drivers

Driving distracted (texting or talking on the phone)
Driving under the influence of alcohol or drugs
Speeding
Weaving in and out of traffic
Disregarding traffic signs and signals
Following too closely
Driving much slower than the flow of traffic

Malfunctioning Traffic Lights

Careless Pedestrians & Bicyclists

Children Playing Or Walking

Poor Weather Conditions

Slow down to a safe speed that goes with the flow of traffic.
Maintain more distance between your vehicle and the one in front.
Keep your windshield and windows as clear as possible.
Use your headlights (dim and bright) as appropriate.

Potholes & Road Debris

Builders Risk Insurance Vs. Contractors Insurance

Wed, 19 Feb 2020 15:02:00 GMT

What Is Builders Risk Insurance?

Theft
Vandalism
Mechanical breakdown
Earthquakes
Weather
Water damage
Government action

What Is Contractors Insurance?

You or your employees cause injury or property damage to others
Someone is injured on your property
You are renting a commercial space that becomes damaged
You are sued for libel, slander, copyright infringement, or false advertising

Contractors Insurance & Builders Risk Insurance: Which Policy Covers What?

What Insurance Coverage Do You Really Need As A Contractor?

What Insurance Do I Need To Rent Out My Home On Airbnb?

Sun, 16 Feb 2020 13:53:00 GMT

What Will Homeowners Insurance Cover When You Rent Out Your Home On Airbnb?

What If Home Sharing Becomes A Business?

What Insurance Do You Need If You Are Home Sharing As A Renter?

Specialty Insurance Policies For Airbnb Hosts

Can I Insure My Personal Vehicle With Commercial Auto Insurance?

Tue, 04 Feb 2020 14:59:00 GMT

When Do You Need Commercial Auto Insurance?

Your vehicle is registered in the name of a corporation or partnership.
You need higher liability limits because of the nature of your work.
You perform a service using your vehicle.
You tow a trailer or haul considerable weight in tools and equipment to conduct business.
You have employees who operate your vehicle.
You transport people in your vehicle for a fee.
You transport housekeeping equipment for business use.
You transport hazardous or flammable materials.
You use your vehicle to deliver goods or any wholesale or retail products.

Why Do I Need Commercial Auto Insurance?

What Does Commercial Auto Insurance Cover?

Property damage liability
Bodily injury liability
Personal injury to you and your passengers or employed drivers
Collision coverage (regardless of who is at fault)
Comprehensive coverage (for damage other than collision)
Medical payments coverage
Uninsured/underinsured motorist coverage
Loading and unloading liability

How Much Does Commercial Auto Insurance Cost?

Are Commercial Auto Insurance Premiums Tax Deductible?

Understanding The Difference: Standard Auto Insurance Vs. ATV Insurance

Sat, 01 Feb 2020 13:50:00 GMT

How Is An ATV Defined?

When Is ATV Insurance Required?

What Does ATV Insurance Cover?

Property damage liability: This insurance pays for the cost of any damage a driver of your ATV may cause to someone else’s property. Coverage extends to personal belongings, as well as the home or yard of another person.
Medical payments (optional): Medical coverage pays for medical expenses incurred by someone who is injured while riding your ATV, including you or your family members.
Collision (optional): If your ATV overturns or gets in a collision with another vehicle, collision coverage will pay to repair the damages.
Comprehensive (optional): Comprehensive coverage pays for damage to your ATV not caused by a collision with another vehicle. It covers losses from theft, vandalism, fires, earthquakes, flooding, and other perils.
Uninsured/underinsured motorist (optional): If you or someone riding your ATV is injured by someone who is uninsured or underinsured, this coverage will pay for your expenses.

ATV Insurance Policy Exclusions

How Garage Insurance Can Protect Your Mechanic Business

Sun, 19 Jan 2020 16:22:00 GMT

What Is Garage Insurance?

What Does Garage Insurance Cover?

Additional Garage Insurance Protection For Faulty Parts

Garage Keepers Insurance

How Much Does Garage Insurance Cost?

How many employees you have
Their driving records
Type of business you operate
Location of your shop
Level of on-site security

How Is Condo Insurance Different From Homeowners Insurance?

Thu, 16 Jan 2020 16:16:00 GMT

What Does Condo Insurance Cover?

Bare Walls Coverage Vs. As Built Coverage For Condominiums

Bare walls coverage: The unit owner is responsible for insuring all fixtures and real property from the exterior framing of the unit inward.
As built coverage: The unit owner is responsible for insuring upgrades or additions to the condo.

What Does Homeowners Insurance Cover?

Key Difference Between Homeowners Insurance & Condo Insurance

Do I Need Specialty Disaster Insurance If I Already Have Commercial Property Insurance?

Sat, 04 Jan 2020 16:18:00 GMT

What Is Commercial Property Insurance & What Does It Cover?

Fire
Explosions
Storms
Burst pipes
Vandalism
Theft

Furniture and equipment
Computers
Inventory
Fences and landscaping
Exterior signs
Property belonging to others

What Determines The Cost Of Commercial Property Insurance?

Value of your business assets, including your building
Location of your business premises
Type of construction (Fireproof materials? New or upgraded plumbing, HVAC, or electrical wiring?)
Your industry and occupancy of the building
Fire and theft protection (fire alarm, sprinkler system, security system, proximity to a fire hydrant)

What Is Specialty Disaster Insurance?

Commercial property insurance that covers your building and its contents at the current replacement price, including any improvements you have made to the property
Separate flood insurance through the National Flood Insurance Program if you are located in a flood zone
Ordinance or law coverage for the extra costs of tearing down and rebuilding your structure if required by the government after a flood
Commercial earthquake insurance to cover damage caused by seismic activity, if your business is located in an area where earthquakes are likely to occur
Business interruption insurance to compensate you for loss of income if you are forced to close your doors because of a disaster
Extra expense insurance to cover the costs of relocating, if necessary

When Do My Kids Need Their Own Car Insurance Policy?

Wed, 01 Jan 2020 16:11:00 GMT

How Long Can Children Stay On Their Parents’ Auto Insurance?

Your child must reside at your home address, either full or part-time.
Your child must drive a vehicle you own.

Benefits Of Having Your Child On Your Auto Insurance Policy

It ensures that he or she has legally required coverage.
It protects your child and your property in case of a crash.
It can save you money, as your provider will likely give you a discount for adding another driver to your policy.
It gives you the ease of managing all your family’s auto insurance coverage in one policy.

When Does Your Child Need Independent Auto Insurance Coverage?

If your son or daughter owns the title of the vehicle being driven, your insurance company may want him or her to purchase a separate policy.
When your child is no longer a resident of your household, he or she will need separate car insurance. This applies to permanent residency only, not to a temporary residence while your child is attending college.
If your daughter or son gets married, most auto insurance providers will require a separate policy. Insurance companies typically consider marriage as a separation from the family unit. Your child and son- or daughter-in-law can share a car insurance policy, but you will not be able to cover them under your policy.

Understanding Kidnap & Ransom Insurance

Thu, 19 Dec 2019 16:32:00 GMT

Who Needs Kidnap & Ransom Insurance?

Public companies
Private companies
Financial institutions
Nonprofit organizations
Missionary or human rights groups
Schools and universities, particularly those with daycare facilities and study abroad programs
Healthcare facilities
Entertainment companies

Reasons To Consider Corporate Kidnap & Ransom Insurance

Thousands of kidnappings occur worldwide every year.
Expenses associated with kidnapping and extortion or illegal detention can significantly impact your organization.
Even companies that do not have a global footprint and nonprofit organizations are at risk.
Purchasing this coverage helps mitigate risk to your company’s most valuable asset – your employees.
Preparation and preventative measures are part of the cost of doing business, and they provide peace of mind for your employees while also protecting your company’s financial stability.

What Types Of Coverage Does Kidnap & Ransom Insurance Provide?

Injury, death, and funeral expenses resulting from a kidnapping incident
Public relations services for high-profile kidnap cases
Psychiatric treatment for victims
Medical and legal advice
Reward payments
Unlimited expenses for a crisis response team certified by Homeland Security

Will My Homeowners Insurance Cover Damage To My Yard?

Mon, 16 Dec 2019 14:04:00 GMT

Homeowners Insurance Coverage For Damage To Structures On The Property

Fence
Shed
Detached garage

Coverage For Landscaping Under Homeowners Insurance

Fire
Explosions
Lightning
Theft
Vandalism
Damage caused by someone else’s vehicle

When Structures Are Covered, But Not Landscaping Is Not

How Negligence Factors Into Homeowners Insurance Coverage

Liquor Liability Insurance Vs. Brewery, Vineyard, and Distillery Insurance

Wed, 04 Dec 2019 16:27:00 GMT

What Does Liquor Liability Insurance Cover?

Third-party bodily injury: If someone becomes intoxicated at your business and injures another person, this coverage can help pay for immediate medical expenses or legal expenses in the event the injured person sues your business.
Third-party property damage: Liquor liability insurance can cover the cost of replacing or repairing property damaged by an individual who became intoxicated at your establishment.
Legal costs: If a lawsuit is filed against your business as a result of an incident involving an intoxicated patron, your liquor liability insurance can help cover attorneys fees, court costs, and settlements.

Insurance Protection For Breweries, Vineyards, & Distilleries

Business income
Contract cancellation
Key employee replacement
Processing water
Food contamination
Product recall
Tank collapse or leakage
Liquor liability

A restaurant property endorsement (for operations that include a restaurant)
Product contamination or adulteration endorsement (protects you against accidental contamination of your beverage product while it is being processed)
Equipment breakdown coverage (extends your property insurance to cover loss to real and business personal property caused by a sudden breakdown of machinery or equipment used in your business)
Protection against loss from crime (including employee theft, computer fraud, funds transfer fraud, forgery and alteration, theft of money and securities, and losses from accepting money orders and counterfeit money in good faith)
Liquor tax bonds, state and federal (enables you to meet requirements to ensure payment of taxes due to governmental entities as an establishment that sells alcoholic beverages)

Winery & Vineyard Insurance

Commercial property insurance that covers your buildings, structures, barrels, equipment, tools, and wine products.
Liability insurance that includes basic and comprehensive liability coverage for bodily injury and property damage, personal injury and advertising injury, product liability, fire legal liability, liquor liability, personal liability (for sole proprietors), and chemical drift liability.

Wine stored off premises or stored for others
Special events
Business income and extra expense
Equipment breakdown
Fine arts
Computer/electronic data processing equipment

Do I Need To Insure My Boat During The Winter When I’m Not Using It?

Sun, 01 Dec 2019 14:01:00 GMT

You May Be Required By Your Lender To Carry Boat Insurance

Coverage For Your Boat Under Your Homeowners Insurance Is Limited

Collision damage: Repair or replacement of your boat if a collision occurs.
Bodily injury liability: Protects you from liability for injuring another person in a boating accident.
Property damage liability: Protects you from liability for damage to the boat, dock, or other related structures or property of another.
Comprehensive: Covers you against theft, vandalism, or damage to your boat caused in an incident other than a collision.

There Is No Off Season For Natural Disasters

Fire, Theft, & Vandalism Can Happen All Year Round

Carrying Boat Insurance Year Round Is More Cost Effective In The Long Run

Speak With An Experienced Agent About Boat Insurance

Cargo Insurance Vs. Wholesalers & Distributors Insurance

Tue, 19 Nov 2019 16:22:00 GMT

What Is Cargo Insurance?

Types Of Coverage Under Cargo Insurance

All risk coverage: This provides extensive protection against damage or loss caused by external factors, including cargo abandonment, pest infestation, customs rejection, employee dishonesty, and damage due to improper packing.
General average coverage: This coverage is a basic requirement for marine cargo transit and covers only partial loss to the shipment. Under general average coverage, all other cargo holding owners on the ship are required to pay compensation to the owner of the periled cargo.
Free from particular average coverage: This clause excludes coverage of partial losses to the cargo or hull except for losses resulting from sinking, burning, collision, or stranding. The shipper is only liable in cases of significant losses to cargo and does not pay for minor losses.
Warehouse to warehouse coverage: This coverage is applicable when cargo is unloaded from a ship and transported to the customer’s warehouse.

What Is Wholesalers & Distributors Insurance?

Commercial Property Insurance

General Liability Insurance

Business Income Coverage

What Does My Renters Insurance Cover?

Sat, 16 Nov 2019 13:58:00 GMT

What Types Of Protection Does Renters Insurance Provide?

It can help replace your belongings if they are damaged or lost as a result of fire, theft, or vandalism.
It can cover the cost of repairs or medical bills if you accidentally damage something or someone gets hurt on the property.
It can cover your hotel and meals if it is not safe to live at home while damage to the property is being repaired.

Coverage For Your Property Under Renters Insurance

Liability Coverage Under Renters Insurance

Occurred inside your rented home
Was caused by your personal activities
Was caused by your children or pets

Where Can You Get Renters Insurance?

How Business Owners Package (BOP) Insurance Can Save You Money

Mon, 04 Nov 2019 16:20:00 GMT

What Does Business Owners Package Insurance Cover?

Business Property Insurance In A BOP

BOP Business Liability Coverage

Business Interruption Coverage In Business Owners Package Insurance

Special Coverage In A BOP Insurance Policy

Crime insurance
Flood insurance
Vehicle coverage
Spoilage of merchandise coverage
Computer equipment coverage
Mechanical breakdown coverage
Forgery coverage
Fidelity bonds

Cost Savings With BOP Insurance

Is My Business Big Enough For Cyber Liability Insurance?

Sat, 19 Oct 2019 15:23:00 GMT

Why You Need Cyber Liability Insurance

43% of cyber attacks target small businesses.
The security of customer data is a significant concern for many small businesses.
60% of small companies go out of business within six months after a cyber attack.
Companies spend an average of nearly $880,000 in the aftermath of a cyber attack or data breach due to damage or theft of IT assets.
Disruption of normal business operations due to a data breach or cyber-attack costs an average of more than $955,000.

What Makes Data Breaches So Costly?

Legal fees
Investigating the incident
Notifying clients of the breach
Client identity recovery
Downtime for your business

What Does Cyber Insurance Cover?

First-Party Coverage

Loss of or damage to electronic data
Loss of income and extra expenses
Cyber extortion losses
Notification costs
Damage to your company’s reputation

Network security liability : Protects your company against lawsuits resulting from a data breach.
Network privacy liability : Provides protection from lawsuits based on allegations that you failed to properly protect sensitive data.
Electronic media liability : Covers lawsuits against your company for libel, slander, defamation, invasion of privacy, copyright infringement, or domain name infringement resulting from your publication of electronic data on the internet.
Errors and omissions liability : Included in some cyber liability insurance policies, this coverage provides protection for errors and omissions arising out of professional services offered by the insured.

Do I Need More Homeowners Coverage After Renovating?

Wed, 16 Oct 2019 15:17:00 GMT

Remodeling Projects That Increase Your Need For Homeowners Insurance Coverage

Remodeling existing living spaces: Many kinds of improvements can increase the value of your home, such as installing example hardwood floors or updating the kitchen. If your remodeling adds to your home’s market value, you will need to adjust your homeowners coverage accordingly.
Expanding living space: An addition will add value and square footage to your home. It is wise to speak to your agent about increasing your homeowners coverage before the project begins, in case of a fire or other losses before construction is complete. If the addition is for a home office, you may need to adjust both your homeowners insurance and business insurance.
Converting unlivable spaces to livable spaces: It is not uncommon to convert a garage, attic, or shed to living space. If you do this type of renovation, check your policy to find out if the area you are converting is already covered under your homeowners insurance. If not, you will need to increase your coverage. In the case of a converted garage, you may also need to adjust your auto insurance, as keeping your vehicle garaged may lower your car insurance rates.
Installing a pool: When you add a swimming pool to your home, you are adding to your liability as a homeowner. An “attractive nuisance,” such as a pool or trampoline, will increase your risk and raise your homeowners insurance rates.

Renovations That May Lower Your Homeowners Insurance Rates

Installing safety features—such as a security system, smoke alarms, gas detectors, or shatter-proof windows—can help lower your homeowners insurance rates.
So can replacing an outdated HVAC system, as it may eliminate electrical hazards.
Updating your electrical system or plumbing can reduce the risk of fire or water damage and lower your costs.
Replacing your roof with durable materials can lower your risk of hail, snow, wind, and water damage, which in turn can help reduce your rates.
Installing a fence around your backyard or pool may also qualify you for a safety discount.

What Kind of Insurance Do I Need If I Rent Out My Home?

Fri, 04 Oct 2019 15:20:00 GMT

Different Insurance Requirements For Different Situations

Short-Terms Rentals Of A Primary Residence

Some insurers may allow a short-term rental if you have notified the company in advance. Other insurance companies will require a rider to your existing policy to cover your home under these circumstances.
However, if you are renting out your primary residence to various guests for short periods on a regular basis, this would constitute a business and would not be covered under a standard homeowners policy. For this type of arrangement, you will need business insurance – either a hotel or bed and breakfast policy.

Long-Term Rentals Of A Second Home

Landlord business insurance covers physical damage to the structure of your second home caused by covered perils, such as fire, hail, lightning, wind, ice, and snow. It also covers the loss of any personal property you leave on the rental site for tenant use or maintenance, including lawnmowers, snowblowers, and appliances.
Your landlord policy will also help protect you from liability. If a tenant or guest is injured on the property, this type of business insurance can cover medical expenses and legal fees.
Most landlord policies also provide coverage for loss of rental income during a period when the property is being rebuilt or repaired after damage from a covered loss. This coverage is usually limited to a specific period of time.

How To Keep Your New Car's Value As Long As Possible

Tue, 01 Oct 2019 15:14:00 GMT

$20,000 for a small car
$25,000 for a midsize car
$26,000 for a small SUV
$32,000 for a minivan
$33,000 for a midsize SUV
$39,000 for a small luxury car

Park Your Car In The Garage

Don’t Smoke In Your Vehicle

Get Regular Oil Changes

Have Your Car Tuned Up Regularly

Clean Up Spills As Soon As Possible

Carry Sufficient Auto Insurance Coverage

Common Commercial Property Insurance Exclusions

Thu, 19 Sep 2019 11:44:00 GMT

Commercial Automobile Accidents

Flood Or Earthquake Damage

Equipment Breakdown

Off-Premises Power Failure

Excluded Property

Money, security, accounts, bills
Land, piers, docks, and wharves
Vehicles, aircraft, and watercraft (with certain exceptions)
Animals other than stock
Crops, hay, or grain located outside
Cost of excavation, grading, or backfilling
Building foundations
Walkways, roads, and other paved surfaces
Electronic data
Cost of restoring information on valuable records

Meet With An Experienced Agent

Understanding The Liability Portion Of Homeowners Insurance

Mon, 16 Sep 2019 11:40:00 GMT

What Does Homeowners Liability Insurance Cover?

Injuries to visitors on your property
Property damage that you or your family members cause to others
Damage to others caused by your pets

What Are The Different Types Of Liability Coverage?

Personal Umbrella Policies

How Much Homeowners Liability Coverage Should You Buy?

Get Help From Our Friendly Agent

Understanding The Different Types Of Surety Bonds

Wed, 04 Sep 2019 11:42:00 GMT

Contract Surety Bonds

Bid bonds
Supply bonds
Payment bonds
Performance bonds

Commercial Surety Bonds

Fidelity Surety Bonds

Business services bonds : To protect against loss of customers’ money, supplies, equipment, and personal belongings due to dishonest acts of an employee while on the customer’s premises.
Standard employee dishonesty bonds : For business protection from financial loss caused by fraudulent activities of employees.
ERISA bonds : To protect participants and beneficiaries of pension plans, including 401(k)s, from dishonest acts of a fiduciary.

Court Surety Bonds

What Types Of Surety Bonds Does Your Business Need?

Staying Safe When Passing A Roadside Accident

Sun, 01 Sep 2019 11:38:00 GMT

Don’t Get Distracted If You Are Stuck In Traffic

Make Safety Your Top Priority

Maintain A Safe Distance

Take An Alternate Route

Make Sure You Have Sufficient Auto Insurance Coverage

How Many Of My Employees Need Key Person Insurance?

Thu, 22 Aug 2019 15:36:00 GMT

How Does Key Person Insurance Work?

In What Circumstances Do You Need Key Person Insurance?

If the reputation and financial viability of your business are critically linked to a key employee’s name, reputation, or skills, and the death of that employee would have a devastating effect on the business.
If the death of a top salesperson or other key employee could threaten the company financially.
In a partnership in which each partner wants to buy out the shares of the other partner in the event that he or she dies unexpectedly.
To provide business loan collateral for a financial institution or creditor that requires the option of a lien on a key person policy.

For What Types Of Employees Should Your Business Have A Key Person Policy?

What Can Key Person Insurance Do For Your Company?

Why Do I Need Separate Flood/Earthquake Insurance?

Tue, 20 Aug 2019 15:16:00 GMT

What Disasters Are Covered By Homeowners Insurance?

Fire and lightning
Windstorms and hail
Smoke damage
Explosions
Vandalism or malicious mischief
Damage caused by aircraft or vehicles
Volcanic eruptions
Theft

How Does Flood Insurance Work?

Who Needs Earthquake Insurance?

Factors Affecting Flood Insurance Rates

Amount of coverage purchased
Deductible
Location
Age, occupancy, and type of building
Elevation of the lowest floor relative to the elevation of the 1% annual chance flood

Factors Affecting Earthquake Insurance Rates

Older buildings cost more to insure than newer buildings.
Rates are lower for wood frame structures than for brick buildings, as wood can withstand quake stresses better.
Regions are graded on a scale of one to five for likelihood of earthquakes, which may be reflected in rates offered in a particular area.
Earthquake insurance is calculated on a per $1,000 basis, or a specified amount per $1,000 in coverage. The specified amount can vary significantly, depending on the region and other factors.

Understanding Workers' Comp

Thu, 08 Aug 2019 15:22:00 GMT

How Does An Employee File For Workers’ Comp Benefits?

Notify you: As soon as possible, the employee should notify you that an accident or illness has occurred. Then provide the following information: date and time the accident occurred; how it happened; and the type of injury sustained.
Complete and submit official paperwork: You will provide the necessary forms for the employee to complete to officially apply for workers’ compensation benefits. Once they have returned the completed paperwork, you will send it to the insurance company for processing. The insurer will then either approve or deny the claim.
Notice of status: The employee will either be presented with an offer for payment of medical and disability costs or receive a notice of denial. If the claim is denied, the employee can choose to appeal or ask the insurer to review the decision.

Why Would Workers’ Comp Fail To Pay Medical Bills?

The case is being denied for any of a number of possible issues (for example, the incident that caused the injury fails to meet the definition of an accident; or the employee failed to provide the proper notice).
You believe that the condition for which the employee is being treated is preexisting and not the result of a work-related accident or injury.
You believe that the employee has reached maximum medical improvement and no additional medical care is reasonably needed.
You believe the employee has been noncompliant or abandoned medical treatment.

What Happens If Workers’ Comp Is Not Covering Medical Bills?

5 Steps To Follow After A Car Accident

Tue, 06 Aug 2019 15:12:00 GMT

Step 1: Check Yourself & Your Passengers For Injuries

Step 2: Call The Police

Step 3: Exchange Information With Other Drivers

Full name
Contact information
Insurance company and policy number
Driver’s license number
License plate number
Type, color, and model of vehicle

Step 4: Document The Crash

Names and badge numbers of responding officers
Copy of the police report
Pictures of the accident scene
Names and addresses of all parties involved, including passengers in the other vehicle(s)
Contact information for any eyewitnesses to the accident

Step 5: Notify Your Insurance Company

The Importance Of Having The Right Auto Insurance Company

Cargo Insurance Vs. Commercial Trucking Insurance

Thu, 18 Jul 2019 10:56:00 GMT

What Is Cargo Insurance?

All risk : With certain exclusions listed, this type of policy covers any physical damage or loss to cargo from external causes. Examples of covered events under an all risk policy include train derailment, jettison, collision with an external object, truck overturn, deliberate destruction, theft, improper stowage by ship owners, and acts of God, such as lightning or earthquakes.
Free of particular average (FPA) : Also known as a named peril policy, this type of cargo insurance lists exactly what it covers, which usually includes collision, train derailment, truck overturn, stranding, sinking, burning, and some acts of God. Theft is usually not covered under FPA policies.
Shipment-by-shipment : This is insurance coverage through the carrier shipping the goods. Exclusions may include acts of God, acts of war, defects in a transportation vessel, and criminal acts committed by the vessel’s crew.

What Is Commercial Truck Insurance?

Basic coverage : Commercial truck insurance basic coverage consists of collision and comprehensive. Collision covers damage to your vehicles and damage to other vehicles occurring in accidents for which you were at fault. Comprehensive covers the cost of repairs to your vehicle covered by something other than collision, up to the policy limit.
Specialized coverage : You have a variety of specialized options in commercial trucking insurance. In addition to basic coverage, truckers transporting cargo on behalf of customers need commercial auto liability insurance, which covers bodily injury and damage to others’ property. Cargo insurance to cover loss of or damage to cargo is an option that may be included in a commercial trucking insurance package
Non-trucking coverage : Coverage not directly related to transportation of cargo includes: non-trucking liability coverage (which applies when the vehicle is not transporting cargo, whether or not it is pulling a trailer); bobtail insurance (which applies when the truck is traveling without cargo or trailer after a load is delivered); and occupational accident insurance (which covers a truck owner-operator for accidental death or dismemberment in the course of driving the truck).

Who Needs Cargo Insurance?

Understanding Collector Car Insurance

Tue, 16 Jul 2019 10:47:00 GMT

Why Do Collector Cars Require Unique Insurance?

Classic performance and collector cars are typically more expensive than the average late model vehicle.
Repairs on collector vehicles are specialized and more complicated, which in turn makes them pricier.
Because of their value and rarity, classic and collector cars are more likely to be stolen or vandalized.
Many classic cars are rarely driven – lower mileage helps lower premiums.

What Qualifies A Vehicle As A Collector?

Antique cars (25 years or older)
Exotic and luxury cars
Classic trucks
Vintage military vehicles
Modified vehicles and hotrods
Muscle cars

Collector Car Insurance Use Requirements

Secure storage: Many collector car insurance policies require that the vehicle be kept in a storage unit or locked garage.
Good driver: You need to have a clean driving record to qualify for classic car auto insurance. If you have any serious offenses on your record, insurance companies will not issue a policy.
Limited use: Many collector car insurance policies have maximum use and mileage requirements. They may also have travel restrictions, which you should know about before purchasing a policy.

What Does Collector Car Insurance Cover?

Factors Affecting The Cost Of Collector Car Insurance

How Long Does Business Interruption Insurance Coverage Last?

Thu, 04 Jul 2019 10:54:00 GMT

Period Of Restoration

What Does Business Interruption Insurance Cover?

Lost revenue
Relocation expenses
Rent or lease payments
Employee wages
Taxes
Loan payments
Civil authority coverage (when the government implements restrictions that keep customers away from your business)

How Is Business Income Defined?

What Business Interruption Insurance Will Not Cover

Utilities
Undocumented income
Losses that do not prevent your business from operating
Losses resulting from business closure caused by damages that are not covered (such as flood or earthquake damage)
Closures caused by downed power lines and outages

Read The Fine Print In Your Business Interruption Insurance Policy

How To Lower Your Homeowners Insurance Costs

Tue, 02 Jul 2019 10:42:00 GMT

Increase Your Deductible

Bundle Your Auto & Homeowners Insurance Policies

Improve Your Home Security

Improve Your Credit Score

Avoid Commonly Excluded Risks

Buy Only The Homeowners Insurance You Need

Shop Around For The Best Policy

Best Uses For Special Event Insurance

Thu, 20 Jun 2019 12:01:00 GMT

What Is Special Event Insurance?

What Types of Events Does Special Event Insurance Cover?

Weddings
Anniversary parties
Bridal showers
Religious celebrations
Birthday parties
Baby showers
Holiday parties
Fundraisers
Trade shows

What Does Special Event Insurance Cover?

Event cancellation coverage : If you are forced to cancel your event because of an unexpected development, this coverage may reimburse you for lost deposits or fees. If the event must be postponed due to circumstances beyond your control, you may be covered for any fees associated with rescheduling the caterer, vendors, venue, etc.
General liability coverage : This insurance can help protect you against claims of property damage or injuries caused during your event (e.g., if your hired caterer accidentally starts a fire in the building, or a guest trips and falls and suffers injuries).
Liquor liability : If you plan to serve alcoholic beverages at your wedding or event, you will need this coverage. It can provide protection against claims under “dram shop” laws that may hold you responsible for damages and injuries caused by a person under the influence of alcohol who became intoxicated at your event.

How Much Does Special Event Insurance Cost?

Number of people attending the event
Type of event to be held
Age of the guests or participants
Type of entertainment provided, if any
How long the event will last
Whether alcohol will be served
Whether temporary structures will be used
Whether private security will be used

Does My Homeowners Insurance Cover Internal Damage?

Tue, 18 Jun 2019 15:25:00 GMT

What About Water Damage To My Home?

Is Mold Covered Under Homeowners Insurance?

Will My Homeowners Policy Cover Pet Damage?

What Factors Affect The Cost Of Homeowners Insurance?

How much coverage you choose to purchase
Area where your home is located
Age, condition, and materials of the home
Frequency of past claims
Your credit score
Deductible amount
Safeguards against fire and crime

Surety Bonds Vs. Professional Liability (Errors & Omissions) Insurance

Thu, 06 Jun 2019 15:31:00 GMT

What Are Surety Bonds?

What Happens If A Claim Is Made On My Surety Bond?

A response to the claim
Resolution of the claim (typically involving financial compensation for damages)
A valid defense to the claim

What Is Professional Errors & Omissions Insurance?

Differences Between Surety Bonds And E&O Insurance

Contract : A professional liability insurance policy is a contract between the insurance company and the insured, wherein the insurer promises to compensate the insured for covered losses. A surety bond is a contract among three or more parties to guarantee that the principal purchasing the bond will complete its obligations to a third party.
Protection : While E&O insurance is designed to protect the insured from loss, surety bonds are designed to protect third parties.
Premiums : Professional liability insurance premiums are paid to cover potential losses the insured may incur. Surety bond premiums are paid to guarantee the principal fulfills its obligations.
Claims : A claim on an E&O policy is paid by the insurance company to make the insured whole after a loss. With a surety bond, the principal is responsible for paying any valid claims.

Driving Safely In Inclement Weather

Tue, 04 Jun 2019 15:14:00 GMT

Weather Hazards In The Spring and Summer

Lightning : Thunder and lightning come with summer storms. Lightning can cause fires and knock down power lines. It can also cause temporary blindness when it strikes near you, particularly at night.
Flash floods : With a rapid rise of water in a short amount of time, flash floods are one of the great dangers associated with thunderstorms.
High winds : During a severe storm, the wind may be strong enough to jerk your car out of its proper lane or even off the road. The wind may also toss tree branches or cause other flying debris to hit your car or fall in its path.
Low traction : Rain on the road can cause your car to have very low traction during a storm. This means more time required to brake and less control over your vehicle.
Poor visibility : Rain pouring down all around you makes it difficult to see when you are driving during a storm. Even with defrosters on and windshield wipers working at full speed, driving visibility will be poor.
Hail : Spring is the time of year when hail is most frequent. If you happen to be out driving when a hailstorm hits, it can cause serious damage to your vehicle.
Other drivers : When a storm hits and you slow down to a speed that is safe for conditions, some drivers may become impatient, tailgating, speeding, or passing unsafely. Other drivers may be become nervous and drive too slowly or erratically, contributing to traffic congestion. Either type of driving behavior can cause accidents.

Tips For Safe Driving In Hazardous Weather Conditions

Turn your lights on : Visibility is low during a storm. Turning your lights on lets other drivers see you.
Do not tailgate : Leave plenty of room between your car and the vehicle in front of you.
Avoid bridges : They are more likely to collapse during a severe thunderstorm or tornado. If you have to go over a bridge, wait for the storm to pass.
Do not try to outrun a tornado : Their paths are unpredictable and can switch directions at any time. Pull over to the side of the road and seek shelter, either in the lowest level of a nearby building or at the lowest point of the ground, lying down, and covering your head with your hands. Do not take shelter under a vehicle, in a tunnel, or under a bridge.
Check your auto insurance coverage : Our experienced agency can help you find the car insurance you need at the best available rates.

Can I Still See My Own Doctor After Filing For Workers' Compensation?

Tue, 28 May 2019 14:20:00 GMT

There is no yes or no answer to that question. Each state has its own set of complicated rules for when you can see your own doctor for a work-related injury covered by workers’ compensation insurance. Generally, but with some exceptions, your employer’s insurance company determines which doctors you see when you have filed a workers’ comp claim. Workers’ compensation can be confusing, and the…

Protecting Your Home During Thunderstorms

Mon, 27 May 2019 14:13:00 GMT

Flashlights
Battery-powered weather radio
Extra batteries
Non-perishable foods
Bottled water
Can opener
First aid kit
Fire extinguisher
Blankets
Extra clothing
Clock or watch
Important personal items (such as prescription medications and eyeglasses)

Do I Need Liquor Liability Insurance If I Only Sell Beer Or Wine?

Tue, 21 May 2019 14:19:00 GMT

Third-party property damage : Liquor liability insurance will cover the cost of replacing or repairing property of a third part that was damaged by someone who became intoxicated at your business.
Third-party bodily injury : If a customer became intoxicated at your business establishment, then injured another person, this coverage can help pay for immediate medical expenses or your legal expenses if the injured person sues your business.
Legal fees and costs : If the actions of an over-served, intoxicated patron of your business result in a lawsuit filed against you, liquor liability insurance can help cover attorney fees, court costs, and settlements.
Other claims : For example, you may want to add assault and battery coverage to protect your business against employees drinking on the job or claims that a bouncer injured a customer.

Coverage when a liquor license is not in effect : If your liquor license is not in effect when the incident occurs, for whatever reason, it will not be covered by liquor liability insurance.
Expected or intended injury : If bodily injury occurs that was either expected or intended by the insured, it is not covered under a liquor liability policy. The exception is injury that occurs as a result of reasonable force used by the insured to protect persons or property.
Workers’ compensation, disability, or unemployment compensation : Liquor liability insurance will not cover the insured for any requirement imposed by these or similar laws.
Employer’s liability : Bodily injury to an employee resulting from the performance of his or her job duties for the business of the insured is excluded under a liquor liability policy, along with bodily injury to the employee’s family members as a consequence.

Standard Auto Insurance Vs. RV/Camper Insurance: Understanding The Difference

Mon, 20 May 2019 14:10:00 GMT

The losses must have been incurred within a specific distance from the RV (such as 60 miles).
The losses must have been incurred while repairs were being made to the RV.

The additional size and difficulty of handling a massive RV.
The fact that RVs are often used as a primary residence.
The higher cost of owning and operating an RV.

5 Questions About Commercial Auto Insurance

Tue, 14 May 2019 14:17:00 GMT

Who will be driving your vehicles
How vehicles are used in your business
Whether you own or lease
Whether personally-owned vehicles will be driven for your business

Vehicles owned by your business
Vehicles hired or leased by your business
Vehicles used for your business, including those vehicles the business does not own, hire, or lease

Auto liability: Property damage or bodily injury caused to third parties.
Medical: Covers medical expenses for you or your passengers injured in a crash, regardless of fault.
Collision: This covers damage to your vehicle in a crash with another motor vehicle or an object, or in a rollover.
Uninsured/underinsured motorist: In case of an accident caused by an underinsured, uninsured, or hit-and-run driver, this covers property damage and medical bills.
Comprehensive: Also called physical damage coverage, comprehensive pays for repairs or replacement if your vehicle is stolen or damaged by vandalism, collision with an animal, or certain weather conditions.

Will Homeowners Insurance Cover My Driveway, Shed, Or Other Structure?

Mon, 13 May 2019 14:08:00 GMT

The dwelling
Personal property
Other structures on the property
Liability

Under a typical homeowners policy, items that fall under other structures coverage may include:
Fences
Detached garages
Gazebos
Tool or storage sheds
In-ground swimming pools
Barns
Guest houses
Driveways
Sidewalks
Patios
Retaining walls

Detached buildings are typically covered on a replacement cost basis. This coverage will pay for repair or rebuilding of the structure with no deduction for depreciation.
Other structures that are not buildings--such as sidewalks, patios, fences, and driveways--are typically covered on an actual cash value basis. The cash value of the structure may be depreciated by age or condition before the loss occurred.

Do I Need Business Insurance Coverage If I Am A Freelancer?

Tue, 07 May 2019 14:16:00 GMT

Medical payments for injuries sustained by the driver or a third party
Liability coverage for third-party property damage and injuries
Coverage for repairs to your vehicle

Spending A Year Abroad: Do I Still Need Insurance For My Car Back Home?

Mon, 06 May 2019 13:57:00 GMT

Theft
Fire
Vandalism
Weather damage

Common Exclusions To Business Interruption Insurance

Mon, 15 Apr 2019 15:14:00 GMT

Income your business would have earned if operating normally during the time the business is closed.
Rent or lease payments during the time when the premises was unusable.
Relocation expenses associated with moving to a temporary location, which may include moving costs and rent.
Employee wages to help you make payroll while your business is unable to operate.
Business taxes.
Loan payments.
Losses caused by damage that prevents access to a building. Also known as loss of ingress or egress, this coverage applies when a government implements a curfew or other restriction that keeps people away from your business.

Undocumented income : It is important to have several months of documented income, particularly if your business is growing, so you can account for the income for which you want the policy to reimburse you. You will need to prove that your business suffered financial damage because of the interruption. Find out what proof your policy requires and carefully document your affairs.
Utilities : As utilities are typically shut off when a business location cannot be used, they are usually not covered by business interruption insurance.
Partial closure losses : Business interruption coverage does not go into effect if access to your building is limited but not completely eliminated.
Losses from closures caused by damages that are not covered : You cannot receive income coverage for flood damage or earthquake damage not covered under your property insurance policy, or for when you close the business voluntarily.
Closures caused by downed power lines : Most closures caused by downed power lines from a storm or accident are not covered under a business interruption policy. Power outages are common, and power is usually restored quickly. Business interruption policies typically require a business to be shut down for a minimum of 72 hours before benefits go into effect.

Townhomes & Duplexes: How Much Will A Homeowners Policy Cover?

Mon, 01 Apr 2019 15:10:00 GMT

If you are considering purchasing a townhome or duplex, you may be wondering if coverage under a homeowners policy would be different than coverage for a single-family dwelling. Our knowledgeable agents will be happy to explain the coverage for each type of dwelling and help you find a policy that suits your needs at the best available rates. What Are Townhomes and Duplexes? Perhaps the…

Do I Need Product Liability Insurance On Top Of Business Owner’s Insurance?

Fri, 15 Mar 2019 15:01:00 GMT

Manufacturing defects: When a flaw in manufacturing causes injury or damage.
Design defects: When product design is inherently defective and causes injury or damage.
Defects in instructions or warnings: When improper or missing instructions or labeling cause injury.

Type of business: The nature of your business is factored into your cost, as some products and industries are riskier than others.
Location of business: Geographic location impacts property values and risks for certain disasters such as flooding and earthquakes.
Company value: Valuable companies are more likely to be targeted for lawsuits.
Claims history: The more claims on your insurance, the higher your premiums will be.
Coverage limits: The higher the potential payout by the insurance company, the more the business owner will pay.

What Can I Do If My Car Is Stolen?

Fri, 15 Mar 2019 12:58:00 GMT

Having your car stolen is a traumatic experience. You step out the door, and your car is simply gone – not there where you left it. Unfortunately, it happens every day to vehicle owners all over the U.S. The following is a checklist to prepare you in case that unhappy event ever happens to you. Check to Make Sure Your Car Has Actually Been Stolen…

Can Workers’ Comp Cover Injuries Developed Over Many Years?

Wed, 20 Feb 2019 11:40:00 GMT

Find out if other employees who worked under the same conditions in the same location developed a similar illness or injury. It can be a strong indicator that it is a work-related health condition if a number of people in the same industry and location develop the same or similar problems.
Monitor recalls and changes in the law. If a substance an employee worked with for years on the job has recently become illegal because it is known to cause health problems, this is evidence that work-related exposure caused the injuries.
Use a medical expert. A qualified physician may be able to help an employee document a long-term injury or illness. For a worker who has developed a repetitive stress injury, for example, a doctor may be able to make a determination as to whether the injury was caused by repetitive motions required in the performance of job duties. Any medical evidence an employee can provide to support a claim will go a long way toward proving it.

Safe Driving In Major Cities

Mon, 11 Feb 2019 15:34:00 GMT

While driving in a major city, you are likely to encounter traffic jams, bumper-to-bumper traffic, and large numbers of pedestrians and bicyclists. The following are safe driving tips to help smooth the way and reduce your risk of an accident. Avoid Driving During Rush Hour Peak rush hour traffic typically occurs from 7:00 a.m. to 9:00 a.m. and from 4:00 p.m. to 6:00 p.m. Stay…

Will Workers’ Comp Cover Employee Negligence?

Thu, 31 Jan 2019 00:00:00 GMT

Self-inflicted injuries : When an employee deliberately inflicts injury on himself or herself, those injuries are not covered by workers' compensation.
Injuries sustained while committing a crime : If an employee is injured while committing a crime at work, workers' comp will not cover the injuries.
Injuries sustained while violating company policy : If company policy prohibits drinking on the job and an employee is injured while intoxicated in a work-related accident, those injuries will not be covered by workers' compensation.

Payment for medical treatment and expenses : This includes emergency medical care, follow-up treatment, physical rehabilitation, and related transportation expenses.
Partial reimbursement for time off work during recovery : This is usually a weekly benefit calculated as a certain percentage of an employee's average weekly earnings.
Payment for permanent impairment : This benefit is paid out as compensation for permanent physical impairment that can affect a worker's future earning capacity. The greater the degree of impairment, the more the injured employee receives.
Vocational rehabilitation services : When a worker needs a different job or line of work because of injuries suffered on the job, vocational rehabilitation services are available under workers' comp.
Death benefits for family members of employees killed in work-related accidents.

Protecting Your Home Through The Seasons

Tue, 01 Jan 2019 13:33:00 GMT

Vacuum HVAC registers to remove dust and debris.
Flush out water heater to remove built-up sediment.
Clean refrigerator coils.
Check caulking around showers and tubs and replace if needed.
Test smoke and carbon monoxide detectors and replace the batteries if necessary, and every three months no matter the season.
Check the crawlspace for animals, foreign matter, or water damage.
Change furnace filters at least every three months.
Schedule an AC service call before the first hot day of the year.
Replace batteries in flashlights.

Clean windows and repair or replace any damaged screens.
Vacuum the lint from your clothes dryer hose.
Check gutters for clogs and clean out any debris. Make sure downspouts are secure.
Check for cracks in concrete or asphalt walkways and repair or reseal them in warm weather.
Check that the ground around the foundation is sloping away from the house and re-grade if necessary.
If you have a sump pump, test it to ensure it is working properly.
Test your attic fan, if you have one, before summer arrives.
Make sure trees around the house are not threatening wires or power lines.
Check the roof for holes, crumbling, blistering, or rotting, and repair or replace as needed.
Test Ground Fault Circuit Interrupter (GFCI) outlets by plugging in a lamp then hitting the test and reset buttons to see if the lamp turns off and on.

Clean and check decks, patios, and porches for damaged stairs, sagging roofs, or peeling paint. Make sure supports are not weakened, rotted, or broken.
Power wash the siding on your home.
Test and lubricate garage doors.
Check your dishwasher for leaks under or around it. Make sure the washer arm is not stuck and the drain hose arcs up to prevent backwash.
Remove shower heads and clean out any sediment buildup.
Schedule a service call for your furnace before the first cold day of autumn.
Replace batteries in flashlights.

Check windows and seals for leaks and reseal if necessary.
Shut off hose bibs.
Clean out gutters.
Check the eaves for stains (signs of a leak)
Clean out overgrown vegetation and cover or bring in outdoor furniture, fire pits, and grills.
Make sure your indoor fireplace is ready for winter.
Check that ceiling fans are firmly secured to the ceiling.
Change furnace filters.
Test carbon monoxide and smoke detectors and change batteries as needed.

Keeping Your Car In Good Shape On A Road Trip

Tue, 18 Dec 2018 12:39:00 GMT

Tackle This Checklist Before You Leave on Your Trip

Change the air filter, oil filter, and oil.
Change the spark plugs if needed.
Clean your car, inside and out, before you start on your trip.
Keep a small bag for garbage inside the car.
Pack towels for cleaning up spills, a dirty windshield, etc.
Keep your owner's manual readily accessible.
Cover the front of the car and headlights with a protective sheet to prevent bug clogs and damage.
Get sun protectors for the front windshield and side windows.
Check that you spare tire, tire iron, and jack are where they should be.
Bring a plastic funnel for adding water or other fluids, as well as a bucket in case you need to use river or lake water in an emergency.
Pack a fire extinguisher.
Get a spare car key made and keep it in your purse or wallet in case you lock your keys in the car.
Do not store luggage over the car if you can avoid it. It creates air friction, slows you down, and lowers your gas mileage.
Always fill up when the car is still half full, particularly in rural areas.

Pack a Road Trip Survival Kit with Tools and Items You May Need in a Crisis

Flashlight
Pliers
Screwdrivers and wrenches (different sizes)
Hammer
Jumper cables
Chain or towing rope
Bungee cords
Bottled water
Non-perishable food
Blankets

Check the Tires, Fluids, Etc. Before You Hit the Road

Wipers and wiper fluid
Tire condition and tire pressure (do not over inflate)
Coolant/antifreeze
Fuses
High and low beams
Oil, brake fluid, and power steering fluid
Heater and air conditioner
Any loose cables

Driving Tips

How Safe Is Your Parking Lot?

Fri, 14 Dec 2018 17:00:00 GMT

Parking Lot Problem Areas Business Owners Should Address

Proper Lighting

NIJ

Situational crime prevention. This perspective focuses on reducing opportunities for crime, while at the same time increasing the potential offender's perceived risk of apprehension.
Informal social controls and community cohesion. These play a key role in crime prevention. Installing or improving lighting in a parking lot or other area is a sign of positive investment and signals that efforts are being made to increase safety. This may result in an increased interest among employees, customers, and visitors in watching over the area.

Visible Security Cameras

Security

BJS

Women-Safe Network

Traffic Flow

Parking Lot Layout

Rental Property Myths Debunked

Tue, 27 Nov 2018 12:28:00 GMT

The Security Deposit Covers the Last Month's Rent

The Landlord Is Responsible for All Maintenance and Repairs

Whatever the Lease States Is Legally Binding

The Landlord Is Liable for Tenant or Visitor Injuries Sustained on the Property

Landlord had a duty to fix a dangerous condition on the property.
Landlord breached that duty by not fixing the problem in a reasonable amount of time.
Landlord had adequate warning of the problem and fixing it would not have been unreasonably difficult or expensive.
Failure to repair the dangerous condition was the cause of the injury.
Damage that resulted was serious and foreseeable.
Landlord's negligence directly caused the injury.

It Is the Landlord's Responsibility to Insure the Property

Importance of Insurance for Landlords and Renters

Avoiding Accidents In Construction Zones

Mon, 19 Nov 2018 12:00:00 GMT

How Do Construction Zone Accidents Happen?

Stopping Distances in Construction Zones

300 feet on a dry roadway
400 feet on a wet roadway
1,250 feet on icy pavement

How to Reduce the Risk of a Traffic Crash in a Construction Zone

Be patient--passing through a construction zone will take significantly more time than standard driving.
Keep your headlights on.
Stay alert and don't drive distracted. Give your full attention to the roadway and to driving your vehicle. Avoid changing the radio, operating a GPS, texting, making phone calls, eating, or any other activity that could take your attention off the road.
Pay attention to the area around you. Watch the brake lights on the vehicle ahead, watch the movement of traffic to your sides, and keep an eye out for any posted signs.
Don't tailgate. Maintain a safe distance between your vehicle and the vehicle ahead of you in case they must unexpectedly hit their brakes.
Obey the posted speed limit. Driving speeds are significantly reduced in construction zones for a reason. Traffic patterns may change, and workers may be present only feet away from your vehicle. Be prepared to slow down even further if necessary, and keep in mind that fines may be doubled for moving violations in construction zones.
Merge into the proper lane. Traffic patterns can change daily in construction zones, so try to merge into the designated lane early on instead of waiting until the last second.
Change lanes safely. Only change lanes when indicated by the pavement markings and when permitted by traffic flow.
Follow all instructions from flaggers. They are there to keep both traffic and construction moving as smoothly as possible.
Expect the unexpected. When you are traveling through a construction zone, work vehicles and equipment may suddenly enter your lane without warning. Additionally, other drivers may slow down, stop, or change lanes unexpectedly, so keep an extra sharp eye out for traffic changes.

Be Prepared in Case of an Accident

Do I Need Flood Insurance?

Mon, 19 Nov 2018 10:19:00 GMT

How Does Flood Insurance Differ from Homeowners Insurance?

Benefits of Flood Insurance

Home and foundation
Electrical and plumbing
HVAC equipment
Water heater
Major kitchen appliances
Permanently installed carpeting (over unfinished floors), cabinets, bookcases, wallboard, and paneling
Window blinds
Detached garage
Debris removal

Clothing
Furniture and electronic equipment
Freezer and frozen food
Washer, dryer, portable microwave, and dishwasher
Curtains and carpets not covered by your building policy
Window AC units
Up to $2,500 for valuables such as art and furs

How Do You Know If You Need Flood Insurance?

How Much Does Flood Insurance Cost?

Are You An Unsafe Driver?

Thu, 15 Nov 2018 12:01:00 GMT

Distracted Driving

Drowsy Driving

Speeding

Drafting Tractor-Trailers

Aggressive Driving

Importance of Car Insurance

Understanding Your Auto Policy

Thu, 27 Sep 2018 09:55:00 GMT

Mandatory Automobile Insurance

Bodily injury liability: This covers costs associated with injury or death caused by you or someone else driving your car.
Property damage liability: This coverage is designed to reimburse others for property damage caused by you or someone driving your vehicle.

Coverage Required in Many States

Medical or Personal Injury Protection (PIP): This coverage reimburses you or your passengers for medical expenses, lost wages, and other related expenses.
Uninsured/Underinsured Motorist Coverage: If you are involved in an accident caused by an uninsured or underinsured driver, this coverage will reimburse your costs. It also applies in the case of a hit-and-run accident.

Optional Coverage for Damage to Your Vehicle

Collision: This coverage reimburses you for damage to your vehicle when you are at fault for a collision.
Comprehensive: This provides protection against theft and damage from other causes than a collision, such as falling rocks or trees, hail, fire, flooding, or vandalism.
Glass coverage: Some auto policies include no-deductible coverage for damage to the windshield, side windows, rear window, or glass sunroof. Supplemental glass coverage is also available.

Gap Insurance

Who Is Covered Under a Personal Auto Insurance Policy?

Homeowners Insurance: When Do You File A Claim?

Thu, 20 Sep 2018 11:20:00 GMT

Don't claim the smaller stuff: It may not be in your best interests to file a claim for $5,000 or less. A single claim can result in a considerable increase in your premiums.
Take the largest deductible you can afford: Insurance companies offer deductibles ranging from $250 to $25,000. Consider carrying a deductible of at least $5,000. Anything less falls into the category of the smaller stuff that you should not claim anyway. A higher deductible can mean significant savings on your premiums. If your insurance company does not offer deductibles as high as $5,000, take the highest deductible available.

How Does Filing a Claim Affect Your Homeowners Insurance Premiums?

Why Is It that Consumers Paying for Insurance Cannot Use it without Losing It?

How Clean Is Your CLUE Report?

Understanding Your BOP

Mon, 20 Aug 2018 13:20:00 GMT

Do You Need a Business Owners Policy?

Your business has a physical location. This could be out of your home, an office you rent or own, a store, or any other workplace.
Your business has assets that could be damaged or stolen. This applies no matter what type of assets they are – equipment, furniture, cash, inventory, digital assets, or customer data.
A possibility exists of your business being sued. For example, a lawsuit could arise if a customer had a slip and fall accident or was otherwise injured on your premises.

What Is Included in a Business Owners Policy?

Commercial property insurance: This protects property your business owns, leases, or rents, including buildings, furniture, fixtures, equipment, and inventory. It also provides coverage for loss of accounts receivable and valuable records.
General liability insurance: Business liability insurance covers your business in case a lawsuit is filed against the business claiming property damage or personal injury. It helps cover the cost of your defense and damages you may be required to pay if the company is found liable.
Business income insurance: If unexpected events in a covered cause of loss result in suspension of your business operations, business income insurance helps replace the loss of income so you can meet your financial obligations, such as payroll and rent.

Tailoring a BOP to Your Specific Needs

Data breach coverage: This added protection is advisable for any business that handles or stores private customer, patient, or employee information. If a breach occurs, data breach coverage can help pay for expenses associated with notifying individuals affected by the breach, credit monitoring services, and public relations damage control. It can also replace lost income if operations close or slow down because of the breach and pay any ransom or extortion expense associated with the threat of a breach.
Professional liability coverage (Errors and Omissions): If you provide a professional service, you are open to customer or client claims alleging negligent acts, errors, or omissions. Professional liability insurance helps protect your business from this type of claim.

Understanding Your Homeowners Policy

Tue, 31 Jul 2018 13:14:00 GMT

Basics of Homeowners Insurance

Insuring the Structure of Your Home

Replacement cost coverage: In this case, the insurance company will pay you the cost of replacing your damaged property with no deduction for depreciation, up to a maximum dollar amount.
Extended replacement cost: This type of policy covers up to a certain percentage over the maximum dollar limit, typically 20%. It protects variables, such as a sudden increase in the cost of construction.
Actual cash value: In this case, the insurance company will pay out the cost to replace your home minus depreciation for age and use. Depending on the age of your home, replacement costs in the marketplace today could far exceed actual cash value.

Insuring Your Personal Belongings

Replacement cost coverage: This type of coverage pays the dollar amount needed, without deduction for depreciation, to replace damaged personal property with items of like kind and quality.
Actual cash value: The policyholder receives the replacement value of damaged property minus depreciation. Coverage is for real cash value unless the policy specifies that property is covered for replacement value.

Are You Paying Too Much For Your Car Insurance?

Mon, 23 Jul 2018 13:07:00 GMT

Factors that Can Lower Your Auto Insurance Premiums

Your profession could net you lower premiums. Certain professions have lower accident rates than others and are associated with safe drivers. If you are a teacher, a nurse, or an accountant, for example, you may qualify for discounts on your premiums from many insurance companies.
The amount you drive could lower your premium. Drivers who are on the road a lot have a higher risk of being involved in an accident. To qualify for the best premiums, let your agent know how much you drive. If you work from home, you may be eligible for a lower rate.
Age and marital status can affect your rates. Older, married drivers are less expensive to insure because they are generally safer drivers who have fewer accidents. Be sure to tell your agent if you get married. Savings for being married are greatest for younger adults, but people over 30 still save money on car insurance when they marry.
Luxury cars cost more to insure. It stands to reason that premiums are higher on newer, fancier cars that cost more to repair or replace. Insurance companies keep databases on the prices of parts and how much various items cost to repair.
You can lower your premiums with less insurance or a higher deductible: If you are willing to pay more out of pocket with a higher deductible, you can significantly reduce your car insurance premiums. If you have an older car with low book value, you may consider dropping collision and comprehensive coverage.

Benefits of Shopping for Car Insurance with an Independent Agent

How To Keep Your Office Safe From Cyber Crime

Fri, 29 Jun 2018 14:05:00 GMT

Crimes that target networks or devices. This includes viruses and DoS (denial-of-service) attacks.
Crimes that use networks for other criminal activities. This type of cyber crime includes fraud, identity theft, phishing, and cyberstalking.

What Business Owners Can Do to Help Keep the Office Safe from Cyber Crime

Optimize Email Security

Use State-of-the-Art Protection Software

Adopt Password Policies for the Entire Company

Assess Network Vulnerabilities and Make Needed Adjustments

Have Regular Meetings with Staff and IT Specialists

Protect Your Company with Cyber Liability Insurance

Notification costs
Defense against claims by state regulators
Fines and penalties
Loss resulting from identity theft
Liability arising from website media content
Property exposures from business interruption, data loss or destruction, funds transfer loss, computer fraud, and cyber extortion

Prepare Your Office For The Summer Heat

Tue, 12 Jun 2018 10:54:00 GMT

Make Sure Your HVAC System is in Top Running Order

Block Out the Sun's Rays

Power Down Unused Electronics

Reduce the Lighting in Your Office

Use Cooling Stands for Laptops

Allow Employees to Work from Home If Possible

Provide Cool Water

Business Insurance to Protect Your Office

Why It Is Important To Review Your Insurance Policies On A Yearly Basis

Mon, 30 Apr 2018 10:36:00 GMT

Reasons to Review Your Insurance Policies Annually

Changes in Your Circumstances

Finding Available Discounts

Discovering New Features and Services

Finding Out if Your Insurance Premiums Have Increased

Make Sure To Insure All Aspects Of Your Business

Thu, 05 Apr 2018 13:22:00 GMT

Types of Business Insurance

Property Insurance

Workers' Compensation Insurance

Professional Liability Insurance

Product Liability Insurance

Commercial Vehicle Insurance

Business Insurance Rates

How To Prevent Your Business From Being Hacked

Fri, 30 Mar 2018 16:19:00 GMT

Business interruption
Extortion
Notifying customers of a breach
Hiring a public relations firm to repair damage to company image

Great Insurance Tips For First Time Home Buyers

Mon, 19 Mar 2018 17:00:00 GMT

Homeowners insurance is not required by law like automobile liability insurance. However, it is required by mortgage companies to protect the lender's investment. Even if you were able to pay cash for your home, homeowners insurance is an important protection for what is likely your biggest asset. The following are some tips about homeowners insurance for first time home buyers. Get Renters Insurance to Help…

How EPL Insurance Can Save Business Owners From A Legal Let-Down

Wed, 28 Feb 2018 12:08:00 GMT

EPL Insurance Protects Against Certain Types of Lawsuits

Two Type of EPL Insurance

Back pay
Lost benefits
Legal fees

Are You Ready For The Next Step?

Wed, 21 Feb 2018 14:44:00 GMT

No one likes to think about what will happen when they are no longer around or able to make important decisions, but if you are a small business owner, then nothing could be more important for the future of your company. Succession planning is the practice of drawing up a plan for what will happen to your business if you pass away, retire, or become…

Why Every Contractor Needs Insurance Protection

Thu, 11 Jan 2018 10:58:00 GMT

Contractors face many challenges even when a project is moving ahead as planned. General contractors have contractual obligations and the threat of a financial loss if a construction defect claim is filed. In order to guard against losses associated with injuries or other damages, contractors need the protection provided by a product liability insurance policy. We live in a litigious world, and there are law…

The Growing Importance Of Cyber Liability Insurance

Tue, 02 Jan 2018 16:32:00 GMT

Client or customer names and contact information, employee information and social security numbers, and all your business data have the utmost value to your company, and to criminal hackers as well. Although standard business and property insurance will not cover this asset, cyber liability insurance will.
If your systems fail because of a computer virus, a data breach, or a destructive employee, business interruption insurance will not provide coverage. Cyber liability insurance can cover loss of profits when a system crash is caused by a virus or cyberattack.
Your company may be held liable for loss of third-party data. Under commercial contracts containing security warranties, non-disclosure agreements, or merchant service agreements, you could be dealing with expensive damages claims in the event of a data breach. Your company could be held responsible for the costs of fraud conducted on stolen credit cards, forensic investigations, and card re-issuance. Cyber liability insurance can provide protection from these losses.
Most states in the U.S. have enacted data breach notification laws. A reputable company protecting its brand will provide breach notification as required by law. When sensitive personal information is lost in a data breach, written notification must be sent to affected individuals. This time-consuming, expensive endeavor is covered by cyber liability insurance, along with any regulatory fines or penalties assessed against the company.
Your business website and employee activity can trigger liability on social media sites. Cyber liability insurance can cover liability for copyright infringement, defamatory statements, and leaked information. It may also cover the PR costs of repairing the damage done to your brand. When a data breach occurs, the loss of customers and company image can me more damaging than the costs incurred in repairing the breach.

Why A Growing Business Needs To Look Into Key Person Insurance

Mon, 18 Dec 2017 14:21:00 GMT

Cover expenses until a replacement can be found for the deceased key person
Help the business get back up to speed

Pay off company debts
Distribute funds to investors
Pay severance to employees
Close the business down in an orderly manner

Will Your Auto Insurance Cover Your Passengers?

Thu, 30 Nov 2017 14:50:00 GMT

Prepare your vehicle for the trip: Check the air pressure in your tires and the fluids in your vehicle, including the windshield washer fluid. Check your headlights and replace bulbs as necessary. Clean your windshield and windows, inside and out. Clean out the clutter to improve visibility and eliminate potential projectiles in an accident, as well any item that could become jammed under the pedals.
Make sure you are well rested, sober, and seated properly: Although modern vehicles protect occupants better than ever, the driver is still the number one factor in safety on the road. Avoid driving drowsy, as this is a leading cause of accidents. Adjust your seating for maximum visibility and control of the vehicle. It is a given that you should never drink and drive.
Use seat belts and proper child restraints: Seat belts should be in use at all times the vehicle is in motion, both in the front and back seats. If your passengers include children who are required to ride in boosters or safety seats, ensure they have the right type of seat and it is properly installed.
Watch your speed: Excess speed is a contributing factor in many accidents. The faster you are traveling, the greater the impact in a collision. Obey speed limits, check your speedometer periodically, and maintain a safe speed for the existing road conditions. Always reduce speed in rainy or freezing conditions.
Avoid distractions: Driver distraction is a leading cause of accidents on today's roadways. Texting while driving is one of the most dangerous types of distraction, as it involves manual, visual, and cognitive functions. Passengers in a vehicle can also be a serious driver distraction, so keep conversation to a minimum. Ensure that children and pets are safely secured and children old enough to wear a seatbelt are seated in the back of the vehicle.

Do You Need Business Insurance When Working Out Of Your Home?

Thu, 02 Nov 2017 15:51:00 GMT

Property insurance: The typical homeowners policy will not cover business equipment losses caused by fire or flooding. You need business property insurance if you use any type of equipment in your home-based business, including computer, printer, fax, furniture, etc.
Liability coverage: You need business liability coverage if you have anyone coming to your home for business purposes. This can include clients, contractors, and any person making a delivery to your home business. A homeowners policy will not protect you from a claim made by a business visitor who is injured on your property.
Professional liability insurance: Professionals working out of their homes need professional liability coverage as much as professionals working in a firm. This insurance protects you from potential claims made by clients of negligence or a failure to deliver.
Product liability coverage: This coverage may be necessary if your business makes or supplies a product. Product liability insurance protects your business from claims of damages caused by your product to a person or property.
Business auto insurance: If you are in an accident while using a vehicle for business purposes, your personal auto insurance may not cover your losses. You need business auto insurance to be covered in this situation.

Does Homeowners Insurance Cover Landscaping?

Tue, 31 Oct 2017 10:38:00 GMT

Fire
Explosions
Lightning
Vandalism
Theft
Riot
Vehicles (someone else's)

The Importance Of Key Person Insurance For Small To Midsize Businesses

Mon, 25 Sep 2017 14:49:00 GMT

Start-ups
Businesses that need to secure financing
Companies in niche markets where potential replacements may be scarce
Businesses in which the owner wants to ensure liquidity in case of death or disability

Energy Saving Tips For Hot Summer Months

Thu, 20 Jul 2017 15:10:00 GMT

Set your thermostat to 78° or higher. This can lower your cooling bill by approximately 12%.
While you are away from home, set your thermostat higher and then lower it again when you return home.
Use your ceiling fans in place of or in addition to central air conditioning. Using a ceiling fan with your A/C running makes it possible to raise the thermostat setting several degrees higher without sacrificing comfort.
Open your windows and turn the A/C off in the cooler hours. If the temperature drops at night where you live, leave your windows open while you sleep to take advantage of the natural cooling, then shut them when you wake in the morning.
Keep your cooling systems running efficiently with regular maintenance that includes replacing filters.
Don't put lamps, TVs, or other appliances near your A/C thermostat. Heat from these appliances can cause your A/C to run more than it should.
Use caulk or weather stripping to seal cracks and leaks around windows and doors to help keep the hot air out and the cool air in.
Vacuum your cooling system registers regularly and make sure that furniture or household items are not blocking airflow.
Avoid using the oven or the range on hot days. Use an outdoor grill, the microwave, a slow cooker, or a tabletop grill instead.
Choose efficient lighting that runs cool. Approximately 85-90% of the electricity used with incandescent lighting produces heat, not light. LED lights are far cooler, and last longer.
Wash only full loads of laundry or dishes, preferably in the cooler hours.
Turn your water heater temperature down to a lower setting.
Take quick showers instead of baths.

Amount of coverage
Location of your home
Neighborhood crime statistics
Fire safeguards
Type of building materials
Age and condition of the home
Claims record

Prevent Cyber Crime From Happening To Your Business

Fri, 16 Jun 2017 10:06:00 GMT

Legal fees and expenses associated with a data breach
Notifying customers of a data breach
Recovering compromised data
Repairing damaged computer systems
Restoring personal identities of customers affected by a breach
Loss of customers and disruption of business
Restoring public relations when your reputation has been tarnished by a data breach

The Importance Of Key Person Insurance For A Startup

Thu, 01 Jun 2017 11:14:00 GMT

It can help replace the loss of a co-founder or key person.
It can be used as an asset to improve your company's creditworthiness.
The cash value of the policy may be available as a withdrawal or loan.
It can be used to close the company after the loss of a key person.

Driving Tips To Stay Safe During Your Summer Vacation

Mon, 15 May 2017 16:38:00 GMT

Longer days, warm, sunny weather, and roads free of snow and ice make summer the perfect time for vacation road trips. In fact, Insurance Institute for Highway Safety (IIHS) statistics reveal that more fatal traffic crashes occur over the summer months than over the winter months. Contributing factors to the increase in serious accidents during the summer include congested roads due to vacation travel with…

Are You Liable For A Cyber Attack?

Mon, 08 May 2017 11:53:00 GMT

As more and more aspects of business are carried out and stored using the internet and cloud-based technologies, potentially sensitive information becomes more vulnerable to the threat of cyber attacks and security breaches that take place electronically. Such attacks can be costly, both immediately and in the long term, and unless you specifically have a cyber liability insurance plan, your enterprise could be forced to…

How Much Commercial Property Insurance Does Your Business Need?

Wed, 19 Apr 2017 10:22:00 GMT

Protect Your Business with a Custom Commercial Property Insurance Policy

General Liability Insurance & Why Your Business Needs It

Sat, 01 Apr 2017 11:25:00 GMT

Property Damage. No matter how careful your employees are, accidents can happen. When the people employed by your business are in contact with property belonging to clients or another third party, you'll want to make sure you have the coverage necessary to repair any damages that have occurred through error or accident.
Bodily Injury/Medical Expenses. No business owner likes to consider this possibility, but in today's litigation-happy culture, there is a very real possibility that your business could face allegations of causing a third party bodily harm, and you could be responsible for the individual's medical expenses and other damages. These claims can be related to harm caused by your product, or a personal injury claim after an accident occurs.
Non-Physical Personal Injury. In addition to physical injury, a third party could also sue your business for alleged defamation or slander.
Associated Legal Fees. Regardless of the outcome, any litigation is time-consuming and expensive. General liability insurance can help cover legal costs while you keep things running as smoothly as possible.

Helpful Tips To Get Your House Ready For Spring Storms

Mon, 20 Mar 2017 12:21:00 GMT

April showers may be great for a lush, blooming garden, but the heavy spring storms can lead to very serious damage if you are not prepared. Homeowners can avoid costly repairs by taking a few simple steps before the first storm hits. Have a Plan in Place When severe weather hits, the most important thing is to ensure the safety of every member of your…

How Depreciation Can Affect Your Auto Insurance Premiums

Mon, 06 Mar 2017 16:21:00 GMT

The value of virtually any expensive item changes as time passes. For a high-quality bottle of wine or a rare painting, the value may increase as the item ages, but cars and other vehicles usually only depreciate, losing significant value as the years pass. There are some rare exceptions, such as antique or other collectible vehicles. With a new car, the biggest drop in value…

Can You Guard Your Business Against A Cyber Attack?

Thu, 16 Feb 2017 11:35:00 GMT

Technological advancements have done a lot to support businesses by making tasks more streamlined and efficient. Online databases save time and ensure convenient access to important information, and financial transactions are easier than ever with digital banking technology. But with these improvements comes a new brand of vulnerabilities. If your business falls victim to a cyber attack, are you prepared to deal with the aftermath?…

How To Protect Your Home This Winter

Mon, 06 Feb 2017 09:11:00 GMT

Extreme winter weather can lead to serious damage to your home. Frozen water pipes can burst and cause a flood in your home and basement. A dam of ice within your gutter can divert the water to your interior walls, creating a mess that will be costly to repair. Your homeowners insurance protects against specific types of damage, but every policy is different. Ensure you…

Guard Your Business & Employees From Winter Weather Hazards

Tue, 17 Jan 2017 10:02:00 GMT

Workers' Compensation
Errors & Omissions Insurance
Commercial Property Insurance
Business Interruption Insurance
Liability Insurance

Tips To Stay Safe While Driving In Winter Weather

Wed, 04 Jan 2017 16:22:00 GMT

Flashlight
Extra batteries
Portable cellphone charger
Paper road map
Waterproof matches
First aid kit
High-calorie protein bars
Emergency whistle
Winter safety handbook
Emergency blankets
Flares

What Type Of Commercial Auto Insurance Do You Need?

Thu, 15 Dec 2016 14:34:00 GMT

Factors Affecting What Type of Insurance You Need

The purpose of the vehicle . Whether the vehicle is used for deliveries, transporting goods or passengers, or performing another function (like a snow plow or dump truck) will be a significant determining factor in the type of insurance coverage you will need. Certain features, such as bathrooms, cooking equipment, hydraulic lifts, and other equipment may also necessitate added coverage. Similarly, some vehicles such as tow trucks require their own specific type of insurance.
Who owns/drives the vehicle . Are you the sole operator of the vehicle, or do various employees drive it as well? Is the vehicle legally registered to an individual, or to a business, corporation, or partnership? Is it rented or leased to anyone else? Inadequate coverage could leave you liable for someone else's driving mistakes.
Who or what is being transported . If the vehicle is used to transport goods or passengers, you will want to make sure that your insurance protects them in the event of an accident. Rates may be higher if, for example, you transport hazardous materials.
Where the vehicle travels . As previously stated, commercial auto insurance laws are set by the state, so if the vehicle stays in state, you'll only need to worry about your city's laws. If, however, you cross over state lines, you may be subject to additional laws on a federal level.

Save Money & Energy By Winterizing Your Home

Thu, 01 Dec 2016 16:38:00 GMT

Get rid of drafts! Drafty windows and doors can cause you to waste up to 30% of the energy used to warm your house. Purchase or make a draft snake (draft-stopper) to block chilly air from seeping in under your doors, and remove window air conditioning units so your windows can be completely sealed. Check around your home for any gaps where air may be escaping and seal with caulking or weather-stripping. This usually occurs where any two materials meet, including around the foundation, around windows, or near your chimney.
Mind your energy usage. Turn down the heat when you leave your home so heated air isn't wasted on an empty house. Have your heating system checked to ensure it is running properly and adjusted to accommodate the workout it is going to get during the cold season.
Insulate, insulate, insulate! Are your walls and ceilings properly insulated? Pay special attention to your basement ceiling and attic floor. Your pipes and air ducts should also be insulated, as the majority of your heater's hot air could escape as it moves through the ducts to the vents. Insulating your pipes means that you will not only pay less for your hot water, but you'll also help to prevent pipes from freezing.
Take care of any dead tree limbs. Unhealthy tree limbs can fall under the weight of snow or heavy rain, damaging your home or vehicles. Clear dead limbs away before winter sets in so you can avoid damage to your home from a falling branch.
Ensure there is some airflow. It's important to eliminate any drafts and seal up leaks throughout your home, but you don't want the home to be completely airtight because the indoor air quality may become unhealthy. When cooking on a gas stove, be sure to run the range fan or crack a window to let gasses escape. Turn on the bathroom fan while showering to let the moist air out, as too much moisture can lead to mold, a health risk for babies and those with allergies and asthma.

Basic Guidelines For Purchasing Flood Insurance

Wed, 16 Nov 2016 10:14:00 GMT

Do a full inventory of your possessions and the cost of replacement, including furniture, electronics, appliances, and so on. Coverage can be purchased to cover up to $100,000 to replace your possessions damaged by flood waters.
Evaluate what it would cost to rebuild your home if severely damaged by flood. Federal flood insurance covers up to $250,000 in repairs. If it would cost more than $250,000 to rebuild your home, it is important that you add what is called "excess coverage," a private policy to cover the remainder of the cost of rebuilding your home.
If you rent your home, you can purchase renters flood insurance to cover the cost of replacing your home's contents.

Avoid A Headache When You Can't Avoid What's In The Road

Wed, 02 Nov 2016 10:32:00 GMT

Fire
Theft
Vandalism
Riot
Hail
Falling objects
Contact with birds or animals
Flood
Earthquake & wind damage

How To Tell If Your Roof Needs Replacing

Mon, 17 Oct 2016 10:56:00 GMT

It's approaching 25 years old. A properly installed roof is only expected to last between 20 and 25 years. If you live in a development and notice that all your neighbors are re-roofing, it could be a sign that your roof is in its last years.
Discoloration or sagging on inside ceilings. The first step of inspecting your roof starts inside the home: if you see spots or trails of dark or white discoloration along ceilings or upper walls, chances are good that water is entering your roof. Sagging in these areas is an obvious indication of water damage, and an unattended leak will eventually threaten the structural integrity of your home.
Light through the attic ceiling. If you head up to your attic during the day hours and can see any glimpses of light, you can be sure that both water and cold air will find their way into your property.
Shingles that are cracked, curled, or buckled. Cracked shingles are typically the result of wind damage. A few may be no cause for concern, but shingles cracking in multiple areas of your roof is a sign that is reaching its expiration date. Shingles that curl and buckle might be older and no longer effective in protecting your home, or could be the sign of an improperly-installed roof.
Missing shingles. A few missing roof shingles are no problem to replace, but if many shingles have fallen off the roof, you could have a real problem on your hands. This is especially true if shingles are missing from the valleys of the roof, as this is where water flows and collects to drain through the gutter. Missing shingles can cause extensive water damage in a relatively short amount of time.
Shingles are losing their granules. The granules on shingles help to deflect the sunlight and play an integral role in your roof's overall health. If your shingles are losing the granular surface, it is probably a sign that they need replacing. Check your gutters for a buildup of granules; if your roof was recently installed, some initial shedding of loose granules is to be expected, but later on it may be a sign of deterioration, as asphalt shingles tend to shed their granules more rapidly toward the end of the lifecycle.

How To Handle Being Hit While Parked

Mon, 03 Oct 2016 14:00:00 GMT

Locating Witnesses and Documenting the Accident

Your Auto Insurance Coverage for Hit and Run Accidents

Protect your Investment – Arrange a Policy Review

Is Your Home Ready For The Fall?

Fri, 16 Sep 2016 11:00:00 GMT

Insulation from the cold . As the weather gets colder, poor insulation can be both uncomfortable and expensive, as your furnace or heating system struggles to produce more heated air faster than it leaves your home. Make necessary repairs where possible, and consider installing heavy drapes over windows that you know may cause a draft.
Ventilation . If you have an indoor fireplace, clear out the ash and make sure the chimney is clear. Consider hiring a professional for this task so it is performed correctly. Check air ducts for dust and other debris, and change air filters to keep your family healthier as cold season approaches. Now is also a good time to clear the dust out of your clothes dryer exhaust duct and the space beneath the dryer.
Water pipes . Just as you need to check your home for insulation problems, you also need to check caulking around sinks and tubs to prevent leakage. Furthermore, if you've been noticing a dripping faucet, now is the time to deal with it! Fixing a leak now will be much easier than repairing a broken pipe that froze. Your water heater may also need attention, especially if your water is hard, as mineral deposits will accumulate over time and block water flow.
Clean the gutters . Check for and clear out leaves, nests, and other debris that have accumulated and could clog the gutter, and remember to continue to do so as the autumn leaves fall, especially if your home is surrounded by trees.
Fire safety . As temperatures fall, the risk of a house fire rises for homeowners across the country. Check for and eliminate hazards such as frayed wires, loose outlets, and overloaded extension cords, and have your furnace inspected by a professional. Inspect your smoke detectors and make sure you have a functional fire extinguisher accessible and ready to use just in case.
Lawn and garden care . Depending on your home and climate, maintaining your yard area could be minimal or quite extensive. Make sure that exterior water pipes are insulated to prevent freezing as overnight temperatures drop, and drain irrigation systems if necessary. If you are putting away gas-operated lawn equipment for the colder months, make sure to ensure that any gas in the tank is depleted.

Two Exceptions To Permissive Use Car Insurance Coverage

Thu, 01 Sep 2016 14:00:00 GMT

What is Permissive Use?

Exception 1: Business Use of your Vehicle

Exception 2: Unlicensed or Inexperienced Drivers

Get Your Policy Evaluated

How To Avoid Getting A Flat Tire

Mon, 15 Aug 2016 15:04:00 GMT

Your Auto Insurance Policy Makes a Difference

Does My Homeowners Insurance Policy Cover Against Animal Damage?

Mon, 01 Aug 2016 14:00:00 GMT

Liability Insurance: Your Homeowners Insurance Policy and Animal Damage

Animal Pests on Your Property

Talk to a Local Agent about your Homeowners Insurance

You Or Your Car: Who Is Insured?

Fri, 15 Jul 2016 13:00:00 GMT

Comprehensive and Collision Auto Insurance: What's the Difference?

Insurance Information Institute

Do You Have Enough Car Insurance Coverage?

Light The Sky, Not Your House This July 4th

Thu, 30 Jun 2016 14:00:00 GMT

Does Your Homeowners Insurance Cover You for Fireworks?

Summer Driving Safety Tips

Wed, 15 Jun 2016 14:00:00 GMT

Ah, summertime – road trips, family vacations, and… teen drivers. If you have a teen driver in the family, he or she is going to want to drive more than during school days. Keeping everyone safe becomes more of a concern during the summer months. There are thousands of younger drivers on the road, many of whom don't have extensive driving experience, thereby increasing the…

Sharing A Business Space? Know The Risks

Thu, 02 Jun 2016 11:15:00 GMT

Sharing a business space reduces costs, but there may be hidden financial risks. If you are planning to share a space with another professional or business, it's important that you are protected by the right type of insurance. Your current policy may not adequately cover your business if you co-work with another professional in your industry or related enterprise. Sharing the costs of overhead can be…

How To Minimize The Fire Hazards In Your Home

Mon, 16 May 2016 14:00:00 GMT

Leave the pot or pan where it is.
Put on oven mitts, turn off the stove or oven element, and cover the fire with another pot or pan.
Keep several boxes of baking soda in your home.
If covering the grease fire doesn't work, pour a large quantity of baking soda over it.