July 31, 2023
AgencyWhy Does Your Business Need Business Interruption Insurance?
The Importance of Business Interruption Insurance: Safeguarding Against Unexpected Disruptions According to the Federal Emergency Management Agency, 25% of businesses don’t reopen after a disaster. Business interruption insurance can play a key role in ensuring operations resume following a catastrophe. The National Association of Insurance Commissioners estimates that 30-40% of small business owners carry business […]
July 27, 2023
AgencyMistakes to Avoid When Applying for Auto Insurance
While purchasing auto coverage is an essential loss control measure, you should also understand potential pitfalls that could affect your costs and coverage, potentially leaving you with insufficient financial security in the future. When applying for auto insurance, avoid the following pitfalls: Failing to list all drivers—Make sure anyone who drives your vehicle is listed […]
July 20, 2023
AgencyHow To Assess Your Business’ Cyber Risks
With cyber attacks becoming more frequent, there’s a growing chance that a business like yours will suffer a data breach or computer attack. It’s rare to find a small business that doesn’t conduct at least some of its transactions and communications online. Computers, tablets and other digital assets serve as the backbone of modern small […]
July 17, 2023
AgencyJuly Is Vehicle Theft Prevention Month
Vehicle theft has soared in the United States in recent years. In 2022, vehicle thefts surpassed 1,000,000—a 25% increase from previous years. This equates to roughly one vehicle stolen every 32 seconds in the United States. To help drivers keep their vehicles safe, the U.S. Department of Transportation’s National Highway Traffic Safety Administration (NHTSA) has […]
July 12, 2023
AgencyHow Does The Experience Modification Factor Affect Your Workers Comp Premiums?
Understanding the Experience Modification Factor Workers’ compensation insurance is a crucial component of protecting employees in the event of work-related injuries or illnesses. It provides medical benefits, wage replacement, and other necessary resources to injured workers while also safeguarding employers from costly lawsuits. One important aspect that plays a significant role in determining the cost […]
July 10, 2023
AgencyWhy Is Third-Party Employment Practices Liability Insurance Important?
In our increasingly litigious society, the threat of a lawsuit hangs over every business transaction, large or small. Even employers who adhere to the letter of the law at all times are likely be sued by an aggrieved employee or customer at some point. While many suits are groundless, defending against them is costly and […]
July 6, 2023
AgencyEnjoying Safe Trips In Your RV
While recreational vehicles (RVs) may provide a flexible and convenient way of exploring the world, they can also be dangerous. Before embarking on a journey in your RV, consider the following safety tips: Practice driving. Piloting an RV may be very different from driving a car. Take time to ensure you are comfortable with your […]
July 2, 2023
Agency4th of July Holiday Fireworks Safety
Using Fireworks Safely Even mild fireworks—such as sparklers—can get hot enough to burn through clothing. To prevent burn injuries, exercise extreme caution when lighting and holding fireworks, and monitor your children closely while celebrating. Keep reading for more firework safety tips. Firework Safety Recommendations Read and follow the manufacturer’s safety instructions and warnings. Do not […]
June 28, 2023
AgencyWhat Is Insurance And Why Is It So Important?
We all have been advised to buy insurance more than once – for life, health, and even for buying a new car or starting a new business. But, often we shy away from buying insurance, thinking why do I need to buy a life or health insurance being a young and healthy person? Or, why […]
June 26, 2023
AgencyUnderstanding Home Replacement Cost and How It Affects Insurance Premiums
Home insurance is based on the cost to rebuild and replace your home, not its market value. While market value is the amount your home is worth on the housing market, your home insurance coverage limit is based on the estimated cost to rebuild your home: the cost to repair, rebuild or replace what you […]