November 16, 2017
AgencyDo you need flood insurance?
Many Americans don’t need to wonder if they need flood insurance — it’s required as a condition of their home loan. But unlike car insurance, flood insurance isn’t required simply because you own property. In these cases, flood insurance raises the same question as other insurance policies do: When does the premium outweigh the actual […]
November 13, 2017
AgencyRenters’ Insurance Needs
Persons who live in apartments or rent a residence are fortunate. Most insurance companies can protect their assets and belongings by using a policy that is designed especially for tenants; a renters policy. Typical policies cover your possessions for common causes of loss, additional living expenses related to making other living arrangements, medical expenses for […]
November 8, 2017
AgencyAuto Insurance – Vehicle Theft Prevention
The “Layered Approach” to Protection Professional thieves can steal any car, but make them work for yours. To prevent thefts, the National Insurance Crime Bureau (NICB) recommends “Layered Protection.” The more layers of protection on your vehicle, the more difficult it is to steal. The number of layers your vehicle needs varies depending on your […]
November 6, 2017
AgencyBusiness Continuity Planning in 4 Steps
There are many reasons why your company needs a business continuity plan. Having a strategy – before an event happens – helps to maximize the chance your business can recover while minimizing the loss of property, life and assets. Developing your business continuity plan should be a thoughtful process resulting in a plan that can […]
October 31, 2017
Agency4 Things New Small Business Owners Should Know Before They Start a Business
Thinking of a starting up a new small business? Not so fast. From August to September of 2016 venture capital firm First Round Capital interviewed about 700 founders of startup companies and asked them questions about their businesses. Their answers are important to consider if you’re thinking of joining their ranks. The good news? 91 […]
October 28, 2017
AgencyBusiness Insurance – Preventing slips, trips, and Falls in the Workplace
Slips, trips and falls have the potential to be a major cause of injury for your employees and visitors to your premises. There is a common misconception that slip and fall injuries “just happen” and that there is little that can be done to prevent them. The potential for slips, trips and falls can be […]
October 20, 2017
AgencyCommercial Auto Insurance – Getting Registered as a Tow Truck Operator
A registered tow truck operator endorsement is required if your business: transports, impounds, or stores unauthorized vehicles. disposes of abandoned vehicles. Requirements A $5,000 bond. The name of the principal on the bond must be exactly the same as both the business owner name and the business firm name. All bonds must be signed by […]
October 16, 2017
AgencyHome Insurance – Take Care When Renting Out Residence
In recent years, a trend has gained substantially greater interest among travelers. In order to save costs and for other reasons, such as gaining a more authentic travel experience, it has become increasingly popular to temporarily rent out residential space. This may take the form of any of the following: • Renting out an entire […]
October 11, 2017
AgencyPersonal Insurance – Internet Liability
Each day more people decide to create their own Websites, blogs or otherwise participate in social media activities. The reasons for having a Website or blog vary, or other activities range from frivolity to earnestness. Personal Websites and blogs commonly describe the host, his or her family and interests such as a particular hobby, sports, […]
October 9, 2017
AgencyBusiness Insurance – Contamination Coverage and Tips for Breweries
The brew process involves a number of perishable ingredients, all of which require proper storage. Mishandling or incorrectly storing these ingredients could cripple your brewery’s ability to produce a good quality product. What is contamination? The proliferation of unintended organisms, including bacteria, molds, or wild yeast. Contamination also includes drug compounds or any other physical […]