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Insurance Score?

You may know that your history of accidents and violations, insurance claims, and more impact your insurance rates. But did you know that you have an insurance score? Insurance scores, or insurance credit score, is a three-digit number assigned to you that predicts the risk of an accident or insurance claim in the future. Scores above 770 are considered good, 500 – 770 are average, and below 500 are poor. The lower your insurance score, the higher your premium may be. Think of it as a credit score but for insurance. How is [...]

2022-03-04T16:34:34+00:00March 27th, 2022|
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Who Needs EPLI?

We’ve all heard horror stories. An employee was let go and then turned around and sued the company claiming wrongful termination. An employee sues their company on the grounds of discrimination or harassment. We have repeatedly heard this in the news and from our business contacts or friends and think that could never happen to us. WRONG! Employment practices claims can happen to organizations of every size, industry, and at any level. They can disrupt businesses, damage reputations, hurt employee morale, and hit a company hard financially… all before they ever see a [...]

2022-03-04T15:31:21+00:00March 27th, 2022|
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Other Benefits Of Renters Insurance

Renting is a great option when you aren’t quite ready yet to purchase a home or aren’t sure of where you want to settle down. It also has the added benefit of not having to pay property taxes or repair the property when something breaks. However, when renting, there are still some responsibilities and risks you as the renter may be responsible for. Having renters insurance may help mitigate the costs associated with some of those risks and responsibilities. Renters insurance is coverage for your personal property and personal liability. If a loss [...]

2022-03-04T16:50:24+00:00March 19th, 2022|
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Trucking: Insurance For Your Unique Needs

From owner-operators to major fleets, the trucking industry is one that faces many risks. Whether it’s employee injury and illness or damage to your trucks, the right insurance protection is important. For the trucking industry specifically, insurance can quickly become one of the most complicated aspects of business because your coverages and premiums are dependent on so many things. Everything from the age of your drivers and vehicles to the type of materials you are transporting is a factor. Because this can be complex, let us help break down some of [...]

2022-02-23T16:58:56+00:00February 23rd, 2022|
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Manufacturing: Insurance For Your Unique Needs

Manufacturing can be a dangerous business. Whether you work with band saws and drill presses or harmful chemicals there are a lot of risks that both your employees and your business face. From on the job injuries to environmental accidents… these risks could end up costing you a small fortune. How do you protect yourself, your employees, and your business from the risks you face daily? You most likely already implement safety procedures and policies to keep everyone safe. You also probably have checks and balances in place to safeguard your business [...]

2022-02-23T16:52:21+00:00February 23rd, 2022|
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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|
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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|
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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|
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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|
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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|
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