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There are a number of factors that go into creating a solid business insurance plan. One critically important element is the performance of your insurance agent. You should be visiting with your agent on at least an annual basis. If you are not meeting for at least...

We can say most definitely, it depends! Usually, car dealerships will not let you leave the lot if you do not have proof of insurance. While you will have to show the dealership proof of coverage, there is...

Though most of us understand that a business needs General Liability Insurance, we often fail to realize there are quite a number of business-related situations where protection will be required beyond the General Liability policy. A well-rounded insurance policy will...

This is a common question that has a quick and simple answer: Yes, most of the time. Over the past 10 years, insurance contracts have been changing. It used to be that coverage followed the car 100% of the time, so anyone driving your vehicle would be insured. Each...

Cheap auto coverage might be your most expensive choice! First, consider why you should purchase auto insurance. The main reason is to financially protect yourself, your family, your passengers and other drivers. [caption id="attachment_11679" align="alignright"...

The number of lawsuits filed by employees against their employers is on the rise. While most suits are filed against large corporations, no company, regardless of size, is immune to such lawsuits. Employment Practices Liability Insurance (EPLI) covers businesses...

The decisions made by officers and directors of large, multi-national corporations or privately held companies or even non-profit organizations have a profound effect on their employees and may also have an impact on others in a variety of ways. But the scope of a...

As you may be all too familiar, Cyberattacks hit businesses in this country every day and they’re becoming more frequent. During the Covid-19 pandemic, attacks grew and the global explosion in remote workers created more opportunities for things like phishing and...

All insurance policies contain exclusions. Depending on the business and the types of claims that occur, unknown exclusions may serve to contribute to the failure of the business. Unfortunately, insurance agents often overlook or wrongly assume that an exclusion does...

Adequate insurance-to-value is required for buildings and business personal property in order to avoid underinsurance penalties. Many business owners are unaware that their business is in jeopardy when their property is not insured to its required value....

Property claims can directly affect your ability to operate and may cause your business to suffer an income loss. Business Income Protection provides money for the continuation of your business operations after a covered loss, including normal ongoing operating...

With summer coming to an end and cooler weather beginning to approach, now is a great time to get ahead and get your vehicle ready for fall and winter. Fall might seem early to get your car ready, but this season can produce hazardous weather that can make driving...

We are already one month into summer. If you have kids, that means the new school year is just around the corner. Maximize your summer by using the last few weeks creating great summer memories. This doesn’t mean you have to take a special vacation, as you can easily...

Buying your first RV, camper or trailer is an exciting time! Before you make the purchase, you are already visualizing how you want to enjoy your trailer or RV. Owning a RV or camper allows you to enjoy nature & relax. Here are a few things to consider to have the...

Summer is here! Whether you are looking forward to be big vacation overseas or local trips around your state, many of us look forward to our summer vacations. Keeping your home safe while you are gone can be simple and it can also offer you peace of mind while you are...

If you are a homeowner, you have purchased your home insurance through a local insurance agent or directly through an insurance carrier. Home insurance cost and coverage vary due to where you live, how much your home is worth, your credit score and many other...

Summer season can be the best time of year to enjoy your boat or motorcycle. Whether you enjoy the long days, warm weather, or enjoy using your ride to relax, being a boat or motorcycle owner has its perks. Here are a few things to consider when it comes to safety...

If you are looking to add a swimming pool to your property, you may be curious how it impacts your home insurance policy. First of all, you will need to alert your agent of the swimming pool addition. If you do not alert your insurance carrier of your pool addition,...

Recently, we discussed the importance of understanding four basic auto insurance coverages; liability including bodily injury and property damage, and comprehensive and collision coverage. Almost all states require liability coverage for auto insurance. In Part 2, we...

There are many ways you can purchase auto insurance for your vehicle. Calling a local independent insurance agency can offer you some additional benefits and personalized service as well as help you select the right coverage for your situation. It’s important to...

According to National Safety Council (NSC) driving has become more dangerous in the last two years. Motor vehicle accidents are up 9% from 2020 and 18% from 2019. Car accidents where drivers collided with other vehicles or fixed objects were the two most common types...

While our agency does not specialize in short-term insurance policies, there are a few scenarios that can warrant the need for short-term insurance policies. Let’s take a closer look at a few of these. Traveling to Mexico: If you’re driving into Mexico it is likely...

Spring is in the air! Plants are starting to bloom, days are feeling longer and weather is getting warmer. There are many things to be excited for when it comes to a new season. Our agency shares five things to consider doing this spring. Plan a fun, local spring...

With spring on the horizon, some of you may be finding yourselves thinking about getting a motorcycle license. After all, motorcycles offer great fuel economy, easy parking, and a unique driving experience. For most people, your motorcycle journey will begin with some...

A surprising number of people simply choose to use the same insurance company as their parents which means that oftentimes there’s a lack of insurance shopping. Moreover, it seems that the only time some customers look further afield is when they’re shopping about for...

When it comes to auto insurance it seems like all we hear about is discounts. But what discounts are there and who is eligible for them? Let’s take a closer look. Bundle Discounts: Bundling multiple policies like auto and home or auto and renters with the same...

Riding a snowmobile or snow machine, is an exhilarating experience. Riding a snowmobile across an ungroomed open field with powder snow flying away can be memorable but comes with its share of risks. Regardless of whether you enjoy sledding fast, slowly in a group, in...

When shopping for home or auto insurance, you have an abundance of choices. You can call the number on TV or shop with a local big-named brand, but then you only get one choice. Independent insurance agents offer insurance from many insurance companies, not one like...

If you’re a homeowner, then you’re aware that it can be complicated to make sure your home is protected. If you’ve ever worried about your home being secure and free from damage, then you should consider purchasing technology that could provide you with peace of mind....

If you’re a homeowner who lives in a colder climate, then you understand the importance of preparing for the winter. There are so many factors that can occur when the colder weather sets in and it’s important that you're ready for various scenarios. Let’s go over some...