About Kali Jo Grove

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So far Kali Jo Grove has created 53 blog entries.

Life Insurance: Employer Vs Individual

Your employer is offering you life insurance? That is great! But… Many employers offer life insurance as a benefit to employees. The type of life insurance, amount of coverage, and cost to the employee vary from business to business but for the most part, employer-provided life insurance is a great benefit. It can be cheaper than the cost of purchasing your own policy due to employer group rates and in some cases, employers will cover some or all of the premium costs. Employer-provided life insurance also helps to cover any end-of-life expenses and [...]

2021-03-29T18:49:31+00:00April 18th, 2021|

Classic Car Coverage

Classic cars are very different than your typical everyday use vehicle. You likely drive it less frequently and store it more securely. Not to mention all the time, money, and effort you put into maintaining or restoring your classic car. You probably know your car’s value to the nearest dollar and care more than most car owners about every little piece of your classic car. It is important to make sure that your classic car policy includes all the finer points you need. What is a classic car? Classic car insurance can cover [...]

2021-03-29T19:04:12+00:00April 11th, 2021|

Group VS Independent…Which is right for you?

Group Coverage is health insurance provided to employees by an employer or by an association to its members. Individual Coverage is health insurance you buy on your own, not related to your employer or an association. What is the difference? If you have had or currently have group coverage, then you know how that works. Your employer typically gives you a choice of a few different health insurance plans, pays for some or all of your monthly premium, and automatically deducts your premium from your paycheck. [...]

2021-03-29T18:40:47+00:00April 4th, 2021|

Pet Safety: Winter Edition

Winter is here and in the northeast that can mean cold winds, snow, and ice. This weather can pose some serious threats to your pet’s health. Here are some safety tips to keep in mind to help keep your furry friends safe throughout the winter season. Know Their Limits. Just like people, pets have a limit to how much cold they can handle based on their health, age, activity level, and breed. Be aware of their tolerance and adjust your routine or activities as needed. Provide Choices. Your pet may prefer different sleeping [...]

2020-12-21T16:59:30+00:00January 17th, 2021|

Wellness Program: Why Is It Important?

Many businesses, small and large, offer wellness programs to their employees. Yet, there are still concerns about whether wellness programs actually help or are just costing the business money. Despite the concerns regarding privacy and effectiveness, studies show that promoting healthy habits benefits both the employer and employee. Here are 5 reasons why having a wellness program in the workplace is important.   Health, active employees incur lower health costs. Lower health costs benefit both the employer and the employee. If health costs are lower, employers may pass a small percentage of the [...]

2020-12-21T16:31:46+00:00January 10th, 2021|

Winery and Vineyard Insurance…So Many Different Coverage Options

Your winery is more than just your livelihood, it’s your life’s work. All farms and agribusinesses face challenges but wineries and vineyards have added risks that can cause even more stress. You have farm exposures like buildings, equipment, chemicals, and crops but you also have the risks that come with the rest of your business like a production facility, tasting rooms, restaurants, and special events. With all the challenges you face how can you protect your investment of time, money, and effort? The right insurance coverage can help secure your operation [...]

2021-02-11T16:32:30+00:00January 8th, 2021|

As Your Landscaping Business Changes… So Should Your Insurance Coverage

Landscaping can be a dangerous job with some hazardous working conditions. Landscapers are frequently using heavy equipment like backhoes and graders and other equipment with lots of moving parts like mower and chainsaw blades. Additionally, all this equipment and the trucks and trailers you use to get your tools to the job site can be very expensive. On top of those dangers and expenses, you may be digging in someone's yard, what if one of your employees accidentally damages a foundation or breaks a gas line? How do you protect your [...]

2021-02-11T17:30:04+00:00January 8th, 2021|

Brewery Insurance … So Many Different Coverage Options

You've worked hard to build a successful business. Now it's time to make sure you're protecting your investment. All businesses that sell alcohol face unique challenges but craft breweries have additional risks that can keep you up at night. Many small and mid-sized breweries also operate restaurants so you may have exposure similar to a bar/restaurant like selling alcohol, kitchen accidents, food spoilage, and special events. In addition, you also have the risks that come with brewing like batch contamination, leakage, transportation/delivery, tasting rooms, production facilities, and more. You've put so much [...]

2021-02-11T18:49:13+00:00January 8th, 2021|

New Year, Same Policy?

Last year showed us that we never know what the future can hold, and we should be prepared for anything. As we ring in 2021, consider the things you care about most. What would happen to them if something unexpected were to occur? Would they be fully protected? This is a great time to review your insurance policies and see that everything is up to date and that you have all the coverages you need. Let's run through a quick insurance checklist to see if the basics are covered: Life Insurance Any changes [...]

2020-12-21T16:02:06+00:00January 3rd, 2021|

Pet Insurance 101

Imagine that you are out for a walk with your beloved dog Fido. Fido is having a good time, sniffing every tree and stopping at every house when suddenly, he sees something across the street and makes a run for it.  Fido didn’t see the car coming and unfortunately, they did not see him either and now they have hit him. Thankfully Fido is okay, but he did break his leg in the accident. According to a 2019 survey conducted by the American Pet Products Association, 67% of [...]

2020-11-30T19:24:53+00:00December 13th, 2020|
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