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1 Million Dollar Policy!?

Life insurance is important to protect those you love. You have heard that it can provide financial protection to them when they are grieving you and take away that worry and burden. You want to protect your loved ones and you have decided that you want to get life insurance. You walk into your local agency, sit down, and the agent asks how much coverage you would like. Huh? You have no idea. Let’s break it down together. Do you have any debt? When you pass that debt doesn’t go away and [...]

2018-12-10T15:00:11+00:00September 13th, 2018|
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Life Insurance 101

Life Insurance. It is something that almost everyone needs but no one ever wants to talk about. However, it is really important to talk about and to make sure you are protecting your loved ones. Picture this, you pass away unexpectedly and you didn’t have life insurance or a will. You had always said you would get to that eventually or when you were older. Now your loved ones are stuck dealing with your funeral costs, settling your estate, and their grief from losing you. Wouldn’t you want them to be able [...]

2019-11-19T18:09:39+00:00September 6th, 2018|
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Commercial Insurance and Schools

School districts are exposed to many different types of risk. These types of risk can come from visitors, students, employees, the buildings and grounds, transportation, and just about anything you can think of. In the event of a claim, a school could be put in a tough situation. This is where insurance policies can come into play. What type of insurance should schools carry? According to the Pennsylvania School Boards Association’s endorsed insurance program, the following are all different types of insurance that schools should consider: Property and Liability Worker’s Compensation Privacy [...]

2018-12-10T15:00:53+00:00August 30th, 2018|
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Pedestrian Safety

Distracted driving is a common topic that most insurance companies talk about and that most people have heard or know something about. In case you don’t, distracted driving is any situation that takes your attention away from driving. This can be anything from talking or texting on your cell phone, sending emails, eating or drinking, grooming activities such as doing your makeup or hair, adjusting your GPS, or even changing the radio station. However, one topic that tends to not be talked about as much is distracted pedestrians. Distracted pedestrians can be [...]

2018-12-10T15:01:07+00:00August 23rd, 2018|
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Distracted Drivers and School Zones

As the school year starts for many districts in the region, the risk of distracted drivers increases. This is because drivers tend to be distracted in school zones and near school buses. Distracted driving is any activity that could take your attention away from the task of driving. This could be using your phone to make calls or text, sending emails, eating, drinking, grooming, reading, talking, programming a GPS, or even changing the radio station. All of these tasks take your mind off the road and could cause you to be dangerous [...]

2018-12-10T15:01:26+00:00August 16th, 2018|
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Travel Insurance

Set the scene. You are about to board your flight to the vacation of a lifetime. You have spent months planning and obsessing over this vacation. You are so ready to just put your feet in the sand and relax. Over the intercom, you hear that all flights to your destination have been canceled due to a massive hurricane that is coming into the area where you are flying to. You start to panic. You are unsure if you will be able to reschedule or even get your money back. The airline [...]

2020-11-12T17:09:29+00:00August 2nd, 2018|
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Umbrella Insurance: A Full Rundown

Imagine, you are enjoying a wonderful Saturday morning outside. You are out walking Fido, who by the way is the friendliest dog, and you see your neighbor outside. You stop to say hi and he is trying to pet Fido. Out of nowhere, Fido bites him! You apologize but your neighbor is saying they are going to sue you for the damages. No problem, your homeowners should cover this issue, right? Until you talk to your agent and learn that your coverage isn’t enough to cover the total cost. The cost is [...]

2018-12-10T15:03:02+00:00July 31st, 2018|
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Insuring Your Matrimonial Memories

Here comes the bride through a beautifully landscaped garden on the grounds of a quaint country inn. But wait! An unforeseen storm, accompanied by roaring thunder and flashes of lightning, sends everyone scurrying. The bride and that expensive gown are drenched. It’s a washout as the downpour continues unabated. It looks like Mom and Dad are going to eat the bill and forced to settle for a do-over with a Justice of the Peace. Okay, so that’s an extreme example, but all kinds of things can disrupt, interrupt or destroy those few [...]

2018-12-10T15:04:23+00:00July 26th, 2018|
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What does Cyber Liability Insurance Cover?

Most businesses today use technology both in the workplace and with consumers. Technology is used to do everything from general business, store private information, maintain communication, and much more. With the use of technology increasing every day, it is vital to protect your company when it comes to cyber threats. According to USA TODAY, 60% of small business go out of businesses within 6 months of a cyber attack and the cost of an attack can range from $84,000 to $148,000. They also note that almost two-thirds of all attacks are aimed [...]

2018-12-10T15:04:58+00:00July 24th, 2018|
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Why do you need Cyber Liability Insurance?

In today’s ever-growing world cybercrime has increased substantially. Many companies do not realize that they need coverage to protect their assets and data in the event of a hack or breach. Phishing scams, identity theft, and telephone hacking are all crimes that traditional insurance policies do not address. The following are 10 reasons why you might need cyber liability insurance courtesy of Evolve MGA. Most cyber attacks are not covered by standard property or crime insurance policies System downtime is not covered by standard business interruption insurance Data is not covered by [...]

2018-12-10T15:05:21+00:00July 19th, 2018|
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