Finding the Best Small Business Insurance

Finding the Best Small Business Insurance (Because you deserve a break) Owning a business isn’t just some 9-to-5, working-for-the-weekend endeavor. It’s a carefully crafted, self-invested game plan to do something you’re passionate about … and to build a small fortune. This makes finding the right coverage incredibly important. Our independent insurance agents know the ins,

A Deeper Look Inside Professional Liability Insurance (Even the pros make mistakes)

A Deeper Look Inside Professional Liability Insurance (Even the pros make mistakes) So you’re a (insert job title). You provide people with goods or services and in return, they pay you for it. But being a pro isn’t easy, and despite the number of years you have spent in your line of work, mistakes can

Young People in a Meeting

Meeting Millennials’ Needs and Wants

Millennials are coming of age. They comprise one-third of today’s workforce, with more Millennials on the job than Gen X’er or baby boomers, according to a Pew Research report. Their needs — and their preferences — have a growing influence on the way health insurance and health care are delivered. Millennials are generally defined as those

Is Renters Insurance Necessary?

There are many reasons people choose to rent rather than buy a home. Whether you are a college student, you are saving up for a down payment on a house, or you simply like the flexibility of apartment living, it is a good idea to become familiar with renters insurance and how it can protect

Equifax Cyber Security Data Breach

Equifax Cyber Security Data Breach As you are most likely aware, Equifax, a major credit bureau, announced recently that a cyber security incident, discovered in July, that may have exposed names, birth dates, Social Security numbers and addresses of approximately 143 million U.S. consumers. In addition, a smaller amount of driver’s license numbers, credit card numbers and

Auto Insurance…Rates Going Up!!!

In June of 2015 I put together a message regarding trends in home insurance particularly with rising rates and deductibles from unprecedented claim payouts from wind and hail storms. My industry was going thru a transformation on home insurance that was big time affecting consumers. My message provided an education on why, plus a warning

Distracted driving continues to inflate auto-insurance rates

Since 2011, nationwide auto-insurance premiums have increased by 16 percent. Today, the average annual rate for one driver is $926. According to Bloomberg, the country’s largest auto insurers have paid out $1.05 in costs for every $1 worth of premiums. This is in contrast to about a decade ago, when insurers pulled in $1 for

IDENTITY THEFT – Should you have this coverage?

Subject: IDENTITY THEFT – Should you have this coverage?  When these identity theft products started coming out a few years ago, I felt like they were a “money grab” being sold off fear, and many of them still are.  As I learned more about the risk management and personally witnessed troublesome cases, I have changed

Facts About Small Business Insurance

The SBA defines a small business as one that employs fewer than 500 people. By this definition, there are more than 27 million small businesses currently operating in the United States. These can range from incorporated, self-employed individuals to community banks and construction firms.  If you own a small business, it’s a good to consider

The Top 10 Insurance Myths

Insurance is something that nearly everyone purchases. Whether you own a car or carry health insurance through your company, it’s likely you’ve interacted with an underwriting agency at one time or another. Insurance is sometimes misunderstood, and it can be a complicated topic. It is important to be educated about the different types of insurance