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






Rodz of Lightening Photography 2016

Spring Storm Season 2016 [Reminders]

In the wake of last night’s storms I thought it would be good to get this message out again.    I hope you find this information is helpful.  My staff and I are ready. Over the years we have become proficient and awesome advocates for our clients with a claim. It’s what separates us from others and






When Joyous Occasions Turn Sour: How I Coped

What was supposed to be a joyous occasion became anything but that. A performance of Hercules was kicking off our four day Disney cruise to the Bahamas when all of a sudden our hearts sank. A family getaway years in the making, and our trip was being cut short only two hours out to sea.






Storm Season 2016

2016 STORM SEASON IS UPON US!!! (Here are some reminders & tips)

I know we are just getting over the surprise storms and heavy rainfall of this past December here in Missouri. Historically, the time of year that brings us powerful winds and damaging hail is March thru June, which is upon us.  I hope you find this information is helpful. My staff and I are ready.






Identity Theft Protection (a Reminder!!)

When these identity theft programs started coming out to the public 6-8 years ago I felt like they were a “money grab” being sold off fear. Well……as I have learned more about the risk management and personally witnessed cases my tune has changed dramatically. This is real, it is the fastest growing crime in the






Flood insurance — Important information

Date : 01-04-2016 During the past 10 days the Midwest has dealt with record flooding.  Emotions are high, people have significant property damage and like most “Act of God” catastrophe events there is fact and fiction floating around involving insurance. This message is my attempt to answer / dispel.  I completely understand that my clients






8 Home Security Tips You Never Thought Of

With the holidays so close and so many people traveling before or after…things you may want to consider, even if some are obvious, when you are busy they are nice reminders!!!! Your home is your sanctuary. It is a place where fond memories are made and relaxing evenings are spent after a busy day. Your