JohnAdmin2018

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So far JohnAdmin2018 has created 78 blog entries.

Is Your Farm Underinsured?

Don’t risk finding out if your farm is underinsured when you have a loss. Insuring to the accurate value of your home, buildings, equipment, and inventory is an important consideration when reviewing your insurance coverage needs. If you were to have a major loss and your property was unable to be valued, your claim reimbursement could fall short of the actual value and ultimately create financial losses. It is important to regularly meet with your insurance agent and ensure that your property value is up to date. You can ask for in-person visits [...]

2019-05-01T16:20:55+00:00May 25th, 2019|

How to Navigate Group Benefits

As a business owner you are looking to attract, hire, and retain the best employees you can. One key way to do this is to offer group benefits. However, if you have never offered group benefits before, it can be confusing, messy, and honestly hard to understand sometimes. In today’s world there are so many different benefits you can offer to your employees, but not only that, there are so many regulations and laws regarding these benefits.   To try to tackle it on your own may be overwhelming! Let’s start by discussing a [...]

2019-05-21T14:34:58+00:00May 21st, 2019|

Spring Cleaning and Home Safety

As the weather warms up, we are in the middle of spring. Spring can be a great season full of baseball games, rain showers, and fresh flowers. However, spring also brings with it the damage that winter left behind. Snow and ice can damage your property and it is important to do some cleanup and get ready for the warmer weather. As you spring clean your home, keep the following tips in mind. Clean up Your Yard Yard maintenance can make a large difference in the safety of your property. You should trim [...]

2019-05-01T16:12:28+00:00May 11th, 2019|

Long Term Care Insurance, Do You Need It?

Have you ever thought about what will happen in the future? Often times, as people get older, they can require a little bit of help with everyday tasks. Have you ever thought about who will assist you with these tasks? Who will help to take care of you if you need assistance? How will you pay for these services and this assistance? Long term care insurance can be used to cover a host of services that aren’t covered by regular health insurance. This includes assistance with routine daily activities, like bathing, dressing, or [...]

2019-05-01T15:33:30+00:00May 4th, 2019|

Cyber Insurance and Everyday People

We live in a technology world. Most people rely on technology to live their everyday life.  Whether it is getting news on our computer, purchasing items online, or using social media sites on our Smart Phone; the average American spends at least 8 hours a week of screen time online.  It is an exciting time to be alive; however, it also a scary time. With increasing technology use comes increasing threats. The technology we all rely on every day gives us a window to the outside world, but it also gives the outside [...]

2019-04-18T14:18:31+00:00April 20th, 2019|

Personal Article Floater? Why you need one.

There is a misconception that all of your personal property is insured under your homeowners, renters, condo, or dwelling insurance policies. The truth of the matter is that most valuables have limits on coverage that the policy will actually cover. Your standard policy will only protect your valuables against losses listed in your policy such as fire, smoke, vandalism, etc. It will also only cover the items for the limit specified. These limits and exclusions often leave individuals underinsured. A personal article floater is a separate policy, or sometimes a rider on your [...]

2019-03-08T18:43:45+00:00March 30th, 2019|

EPLI Insurance, What is it?

Many businesses, big and small, like to consider themselves as a family. This is why many employers could never consider that they could be sued by an employee, past, present, or future. However, a study conducted by Trusted Choice shows that over the last 20 years, employee lawsuits have risen 400%, with wrongful termination suits rising 260%. Employee lawsuits are a common form of business-related claims and employment practices liability insurance can help to provide financial protection form a variety of employee claims. Employment practices liability insurance can also aid in defense costs [...]

2019-04-04T19:00:52+00:00March 23rd, 2019|

Amanda’s Story – You Can’t Buy Love, Or Can You?

Nobody likes to buy insurance.  It’s the one item that we buy that there is not a guarantee on a certain return.   We hear the tragic stories of others on our newsfeed or on the news.  We think for a moment, what if something unfortunate happens to myself or one of my family members? These morbid thoughts would enter into my head and then I’d dismiss it and tell myself, “I am not going to be like one of those people that I see on the funny insurance commercials.  Do squirrels really high [...]

2019-03-05T19:45:39+00:00March 16th, 2019|

Are you fully covered? Insurance Gaps….

We don’t know, what we don’t know… about insurance gaps. Do you have insurance? If you own a car, you are required by law to have auto insurance. You may have homeowners or renter’s insurance depending on your living situation. You may have even taken the steps to get life insurance or disability insurance, or, your employer may provide those benefits. No matter who you are or what your life choices have led to, you most likely have some sort of insurance. However, the real question is, do you have enough insurance coverage [...]

2019-03-08T14:40:45+00:00March 9th, 2019|

Investing In Your Business Means Investing In Your Employees

You have gone through so many resumes and job applications; conducted countless interviews over the phone and face to face.  You think you have the perfect candidate and offer them their starting salary and benefits package.  As you sit and watch them look it over, you start to think to yourself, “this is a great offer.  Why would they decline it?” This leads to you thinking of different things.  What are employees looking for?  Which benefits will keep them happy and make them want to stay with your company for years to come?  [...]

2019-03-05T18:41:24+00:00March 5th, 2019|