About Kali Jo Grove

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So far Kali Jo Grove has created 66 blog entries.

Construction and Excavating…Insurance Plans To Meet Your Need

As you know, contractors and excavators face more risks than most businesses. Big jobs call for heavy equipment, large crews, and comes with plenty of hazards. Your equipment is expensive and the chance for accidents is high. How can you protect yourself, your employees, and your company from the dangers you face every day just doing your job? One important tool you can use to manage risks is the right insurance coverage. The right package of policies can ensure you are covered in case there is an accident. There are always conditions [...]

2021-05-11T18:07:55+00:00May 11th, 2021|

Insurance Jargon Made Easy

Insurance is confusing! The terms that are used in the insurance industry can be difficult to understand and make it more confusing to understand what your insurance agent is saying. Let us help break it down. Let us start at the beginning with coverage. The formal definition of coverage is “The specific protection provided by a policy against the results of the hazards insured against.” In other words, this is the amount of protection you have against a covered loss. For example, if your home burned down this term would apply to the [...]

2021-07-27T14:23:03+00:00May 2nd, 2021|

Home Renovations? Update Your Insurance.

Spring is here and for many that means home renovations! From adding a pool to remodeling the kitchen, many are looking to refresh and renew their home by doing some updates, but you may want to take a moment to consult your insurance agent. Homeowners insurance is dependent on factors such as a home’s size, condition, and the cost to rebuild in the event of a loss. What if those factors change? Home renovations such as adding a deck, or a family room addition can alter the amount of coverage you need. Any [...]

2021-07-27T14:27:39+00:00April 26th, 2021|

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 [...]

2021-07-27T14:51:55+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 [...]

2021-07-27T14:53:11+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. [...]

2021-07-27T14:57:10+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 [...]

2021-07-27T14:58:23+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 bill [...]

2021-07-27T15:15:15+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 [...]

2021-07-27T15:20:07+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 [...]

2021-07-27T15:22:57+00:00January 8th, 2021|
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