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

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