Meet Your New Profession

Let’s face it, there are many career options available, but finding one that is the right fit is hard. Out of high school, you must decide about your future, do you want to attend college, go in the military, or head straight to the workforce. Sometimes, life doesn’t go as expected, and you can’t finish university, you become a parent more quickly than planned, or plain decide that what you thought was suitable for your career just was not. Working within my community while receiving good pay and benefits was undoubtedly a few [...]

2022-01-31T18:13:43+00:00February 13th, 2022|

Smart Homes and Insurance

“Hey Alexa, can you turn on the lights and lock the doors?” “Hey Google, close the window blinds.” “Hey Siri, change the channel.” From voice-activated hubs to doorbells and locks you control with an app on your phone, the idea of a smart home has become reality. More homes are converting to smart technology lightbulbs, blinds, plugs, and everything you can think of. This evolution has brought about a lot of convenience to our lives, but it also brings a ton of questions… One of the biggest questions we hear from our clients [...]

2022-01-31T16:55:16+00:00February 6th, 2022|

Insurance Gaps You Face When You Rideshare or Deliver and How We Can Help – Uber, Doordash, and More

Services like Lyft, Uber, Doordash, and GrubHub are popping up all over the country. These services make life a little more convenient and give people new income sources. When you work for one of these services you get to set your own schedule, meet new people, and put extra money in your pocket. However, there is a huge risk factor that isn’t discussed often… Rideshare and Delivery Driver Insurance. When you drive or deliver for one of these services, you may not be as covered as you think when it comes to your [...]

2022-02-14T13:58:02+00:00January 30th, 2022|

Increasing Rates?

Each year we take a look at the current trends of the insurance industry and evaluate how those trends may impact our customers' insurance rates. When it comes to home and auto insurance, here is some of what we have seen over the last year. Auto Insurance Trends In 2021, we saw an increase in accidents along with an increase in repair and replacement costs. This means that the overall cost of a loss has increased. Some of the factors that are causing this include: Used car prices have increased by up to [...]

2021-12-28T20:00:47+00:00January 23rd, 2022|

Personal Article Floater Checklist

When looking to insure your valuable items, a personal article floater is where you go. This coverage is a separate policy, or a rider on your homeowner’s insurance, that provides coverage beyond your standard policy and often includes coverage for losses typically excluded from your standard policy. In other words, a personal article floater is a valuable policy to have. No pun intended. But how do you go about getting one? We have put together this checklist to help! Make a list. Start by making a detailed list of your valuables. Include descriptions, [...]

2021-12-28T19:58:18+00:00January 9th, 2022|

Our 2022 CRAZY Predictions!

2021 is coming to a close and it has been a crazy year! From GameStop stock skyrocketing to a massive cargo ship getting stuck in the Suez Canal to #FreeBrittney… a lot has happened. It got us thinking, what will happen in 2022? We asked our staff what their crazy 2022 predictions were, and they did not disappoint. Superbowl Winner? We had a little competition when it came to predicting the Super Bowl winner for 2022. Predictions included the Eagles, Packers, and that a team who has never won before will take the [...]

2021-12-28T18:05:29+00:00December 28th, 2021|

Holiday Safety Tips

Happy Holidays! This time of year is full of festivities, gatherings, and celebrations. Incidentally, there is also an uptick in fire, auto accidents, and other mishaps this time of year. Keep your holiday season safe this year by remembering these helpful tips. Travel Safely. Prepare your car for winter and have an emergency kit handy, avoid distracted or drowsy driving, and assign a designated driver when attending events where alcohol is present. Plant Watch. Plants like mistletoe, holly berries, Jerusalem cherry, and amaryllis can be poisonous to people and pets if ingested. They [...]

2021-11-29T18:43:56+00:00December 19th, 2021|

Do You Need A Personal Article Floater?

We’ve all heard the horror stories… a diamond wedding ring lost in the ocean, an expensive camera dropped from a rollercoaster, a precious piece of art waterlogged after a flood… nothing can prepare you to lose one of your most valuable items. Now imagine, already devastated from the loss, you learn that you don’t have the right insurance coverage to replace the item or pay for repairs. Most everyone has items that are valuable or special to them. It could be a family heirloom, an expensive engagement ring, or even your favorite t-shirt [...]

2021-11-29T19:20:21+00:00December 12th, 2021|

Do You Volunteer, Sit On A Board, or Organize Benefits? You May Need Insurance Coverage For That.

We’ve heard the term – no good deed goes unpunished. Unfortunately, under the law, if you volunteer, are a board member, or help organize a fundraiser; this could just be the case for you. Most organizations that have boards don’t carry personal liability insurance for their members. If you are on a board, we recommend you ask the organization if they are carrying personal liability insurance for you. What if you volunteer, can you be at risk? Here’s an example: A person you know becomes severely ill and is struggling financially while they [...]

2021-11-29T19:35:14+00:00December 5th, 2021|

Who Needs Public Liability Insurance?

Does your business need public liability insurance to cover any future lawsuits and the settlement or compensation costs that come with them? While this coverage is not required unlike employers’ liability insurance, which includes workers' compensation, it is safe to say every business needs public liability protection to some extent.How much public liability coverage you need depends on what kind of business you are in and your own unique risks. For example, a landscaper or brewery could have greater risks than a walk-in retail store or professional business (realtor, insurance agency, or attorney [...]

2021-11-18T15:29:18+00:00November 18th, 2021|
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