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Insurance policies contain a ton of information and can often seem overwhelming. Let’s go through it together and breakdown 5 important parts of an insurance policy: Premium Premium is the cost you pay for your insurance coverage. It is typically paid on a monthly, bi-annual, or annual basis. This amount is paid regardless of if you file a claim or not. If cost is an important factor to you when choosing your insurance, you should focus on this section. Deductible Deductible is the cost you pay out of pocket in the event of [...]

In a perfect world, workplace accidents wouldn’t happen, and employees would never become injured or ill as a result of their job. Unfortunately, the reality is that over 2 million workplace injuries were reported in 2020 and the numbers seem to be increasing. As a business owner, you can institute safety policies and procedures to help keep your employees safe, but accidents do happen. What do you do when an employee becomes injured or ill as a result of their job? This is where workers’ compensation insurance comes in. The process of filing [...]

A flat tire can ruin your whole day! Every vehicle is different but this general guide on how to change a tire and what to be aware of during the process can help get your day back on track. Step 1. Asses Your Surroundings Once you realize you have a flat tire, you want to assess your surroundings. Are you on level and stable ground? If so, then go ahead with changing your tire. If not, safely move your vehicle to level and stable ground. Step 2. Apply Your Safety Measures Once your [...]

Late nights, long hours, blood, sweat, and tears… you’ve poured everything you’ve got into your small business and it’s something you want to protect. Business insurance is a great way to help ensure just that but like most you aren’t an insurance expert. So how do you make sure your business is being protected properly? This is where your insurance agent come in. Your insurance agent brings a lot to the table when it comes to your small business. Consider the following: Team Player. Running a business requires a lot. Building a team [...]

Driving a huge responsibility! Teaching your teen to drive can be both scary and exciting but it’s important to take time and educate them on the seriousness of this milestone. It’s important for your teen to understand that the actions or inactions they take behind the wheel can lead to accidents that could end in serious injuries and damage or worse. Distracted driving is one of the biggest causes of driving accidents. According to the National Highway Traffic Safety Administration (NHTSA) over 3,000 people were killed in distracted driving accidents in 2020 [...]

At the end of 2021, our staff made their predictions on how 2022 was going to go. The year flew by but here we are! Now that 2022 is wrapping up, let’s look back and see just how right they were… Superbowl Winner? We had a little competition when it came to predicting the Super Bowl winner for 2022. Predictions included the Eagles and Packers, and that a team who has never won before will take the NFL Championship title. The big game came down to the Los Angeles Rams and the Cincinnati [...]