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Personal Article Floater? Why you need one.

There are misconceptions 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 homeowners’ [...]

2021-07-27T18:59:41+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 from a variety of employee claims. Employment practices liability insurance can also aid in defense costs [...]

2021-07-28T13:21:51+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-five [...]

2021-07-28T13:26:42+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?  [...]

2021-07-28T13:31:54+00:00March 5th, 2019|

What To Look For In An Insurance Provider

Whether it is your first-time purchasing insurance or you are looking for a new agent, choosing your insurance agent can be difficult. You probably have a list of priorities when it comes to your insurance coverage, you want to find someone who will work with you and explain all your coverage options. You also want to find someone who can offer you the right products and services to meet your needs. With so many options out there how do you pick one and be confident with your choice? Following is a list [...]

2022-04-18T17:32:12+00:00February 15th, 2019|

My Term Life Insurance Policy is About to Expire… Now What?

If you are like most people who purchase life insurance, you likely chose to purchase term life insurance over a permanent policy such as a whole life policy or universal life policy. There are distinct differences between term life insurance and permanent life insurance and reasons to purchase each. If you have a term policy, there will come a time that it will “expire” and decisions must be made. Does a Term Policy Ever Expire? Technically… yes. But it probably doesn’t expire (meaning that you have no option to remain covered) until [...]

2021-07-28T13:46:14+00:00February 15th, 2019|

Importance of a Culture of Safety

When it comes to your company, safety should be a top priority. Safety is more than just a set of activities focused on accident prevention. It is a way of thinking and it should be at the heart of any successful company. When you address unsafe conditions or actions before they become issues, you are building your safety culture. Having a culture of safety is vital to your company, it improves employee morale, empowers employees, and can even boost your bottom line. According to Nationwide, the average cost of a minor workplace [...]

2021-07-28T13:49:33+00:00February 15th, 2019|

10 Quick Tips for Car Care for Cold Winter Weather

With this incoming cold weather, one of our staff members, Amanda Alexander, who worked in the car industry for 15 years, shares her top 10 advice tips that vehicle service advisors give to their customers: Get your battery checked. The number one symptom we see with cold weather is vehicles not starting in the morning. Car manufacturers recommend changing a car battery every 3 years, so if your battery is older than that, make a quick trip to a local auto parts store or your garage to have your battery checked. When [...]

2019-01-30T16:20:54+00:00January 30th, 2019|

Cyber Insurance Checklist

Cybercrimes are a serious issue when it comes to commercial companies and it is getting worse by the day. The cost of cybercrime is expected to reach $21 trillion by 2021. Cybercrime represents a threat for companies no matter what their size or industry and no company is immune. This means that every company should develop a method to prevent attacks as well as protect themselves from losses in the event an attack happens. The first step for any company would be to develop a comprehensive strategy to combat cybercrime. This would [...]

2021-07-28T13:55:17+00:00January 19th, 2019|
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