December 13, 2024
jdowdinsWorkers Comp Insurance Tips
Tips for Workers Comp Insurance Buyers Implement safety and health programs to address common risks, especially when using a loss sensitive workers’ compensation program. Conduct routine safety training for employees of all ages and experience levels. Consider implementing various digital solutions, such as wearable safety technology and AI tools, to help prevent incidents, treat employee […]
December 11, 2024
jdowdinsCommercial Auto Insurance Tips
Tips for Commercial Auto Insurance Buyers Examine your risk management practices relative to your fleet and drivers. Enhance your driver safety programs by implementing or modifying policies on safe driving. Design your driver training programs to fit your needs and your business’s exposures. Establish effective onboarding and educational initiatives for new drivers. Regularly retrain drivers […]
December 9, 2024
jdowdinsCommercial General Liability Insurance Tips
Tips for General Liability Insurance Buyers Work with risk management experts to educate yourself on key market changes affecting your rates and how to respond using loss control measures. Adopt proactive safety and risk management measures to minimize incidents that could lead to lawsuits, such as employee training and stringent safety protocols. Create an active […]
December 4, 2024
jdowdinsCommercial Property Insurance Tips
Tips for Commercial Property Insurance Buyers Conduct a thorough inspection of your commercial property and the surrounding area for specific risk management concerns. Implement additional mitigation measures as needed. Work with insurance professionals to begin the renewal process early. Many commercial property insurers are seeing an increased submission volume. Timely, complete and quality submissions are […]
December 2, 2024
jdowdinsHoliday Shopping Online? Remember These Cybersecurity Tips
Online shopping has made it easier than ever to peruse the wares of various businesses and vendors from the comfort of your own home as you search for the perfect gifts this holiday season. However, conducting transactions over the internet always involves inherent risks, as cybercriminals may be lying in wait. As you check friends […]
November 25, 2024
jdowdinsHow Do Auto Insurance Renewals Work?
Insurers renew auto insurance policies every six or 12 months. Renewals are typically automatic. It’s crucial to pay attention to notices you may receive from your auto insurance company. Rates May Increase With Renewal Numerous factors can trigger rate increases, including the number of claims in your area, rising auto repair costs and general economic […]
November 21, 2024
jdowdinsWhen To File A Renters Insurance Claim
Common Reasons for Renters Insurance Claims Renters insurance can cover a range of situations, but it can still be challenging to know the appropriate time to file a claim. Below are common scenarios for people to file renters insurance claims and some guidelines for when to consider filing a claim. Fire damage – If an […]
November 18, 2024
jdowdinsWhat to Do If Your Homeowners Insurance Is Dropped
Receiving notice that your home insurance policy is being canceled can be alarming, making you feel like your most significant investment is at risk. Homeowners Insurance Cancellation vs Non-renewal Reasons for Homeowners Insurance Cancellation Insurers can cancel homeowners insurance policies for several reasons, including the following: Non-payment of premiums Failure to make required repairs Insurance […]
November 15, 2024
jdowdins5 Steps to Avoid Coverage Gaps In Personal Insurance
There are 5 steps you can take to avoid coverage gaps in your insurance portfolio. Assess liability risks. Certain policyholders may need to manage greater liability risk levels. For example, if you have children or pets, you may want to retain more coverage in your home insurance policy. Similarly, additional financial security may be advisable […]
November 13, 2024
jdowdinsWhat Are Common Gaps In Personal Insurance?
The various policies and coverages that make up your insurance portfolio can potentially ensure you’re able to endure accidents, natural disasters and unexpected circumstances that might otherwise incur devastating financial losses. These risks may be particularly prevalent for those who fail to identify and address common coverage gaps. Common Personal Insurance Gaps Consider the following […]