4 Common Misconceptions About Commercial Umbrella Insurance

4 Common Misconceptions About Commercial Umbrella Insurance

By | Insurance

People tend to not understand, or not think about Umbrella Insurance…until they need it…It’s worth a quick read of this post… Umbrella insurance is one of the most-commonly misunderstood types of insurance. Because it’s a bit difficult to understand and surrounded by myths, too many businesses go without it and regret it later. Let’s take a closer look at what umbrella insurance is, and settle some common misconceptions about it. MYTH #1: It’s Basically A Bunch of Insurances Combined. This is the most common misunderstanding about umbrella insurance. It’s not just a mishmash of combined insurance types. It’s actually an…

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Mythbusting: Why Are Women Paying More Than Men For Car Insurance?

Mythbusting: Why Are Women Paying More Than Men For Car Insurance?

By | Auto Insurance, Insurance

  This line of thinking has been around since car insurance was invented…it’s time to shed light on this topic, and bust this myth for good… Conventional wisdom usually dictates that, all else being equal, women pay less for car insurance premiums than men because they’re inherently safer drivers. To be sure, the National Highway Traffic Safety Administration confirms that male drivers cause 6.1 million accidents annually, while women are at fault in 4.4 million crashes per year. Yet women are actually more likely to pay higher rates than their male counterparts, according to research just completed by the Consumer…

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Avoid Distractions While Driving…That’s More Than Just Texting

By | Auto Insurance, Insurance

Not Texting is a Start, but There’s More to Safe Driving Many people have a limited definition of “distracted driving”: They think it only means texting behind the wheel. There’s good reason for that, because texting requires visual, manual and cognitive attention – the same attention required for safe driving. But although texting is perhaps the most dangerous distraction, there are many others that can impact how you drive, whether you realize it or not. And they can be just as deadly. How deadly? According to the National Highway Traffic Safety Administration and U.S. Department of Transportation, in 2014 more…

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Keep Your Home Maintained to Hold Your Property’s Value

By | Homeowner's Insurance, Insurance

As a busy homeowner, it is easy to fall into the trap of pushing off tasks that maintain the long-term value of your home in favor of more pressing problems. That’s OK, to a point, as certain house-cleaning projects should be in the “long-term maintenance” category. But putting them on hold for too long can have disastrous results. As with so many things in life, preventive maintenance can save a lot of future effort and cost in your home, too. We’ve put together the following checklist of cleaning projects that can save you headaches – and money – down the…

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Selecting the Right Insurance Advisor for Your Business

By | General Insurance, Insurance

The insurance industry has seen dramatic changes in the past few decades. Choosing insurance has become a complex task, especially when it comes to ever-evolving issues like employment law, cyber liability, and professional liability. The right insurance advisor makes all the difference. An experienced advisor can explain complicated subjects and provide first-hand examples of situations they’ve seen. Instead of just shrugging your shoulders and taking a shot in the dark, you can pinpoint a perfect policy that fits your company’s needs. SEE ALSO: 5 Questions to Ask Your Insurance Agent About Umbrella Coverage Licensed and Educated A good insurance advisor is fully licensed in their state…

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Should You Replace or Fix a Cracked Windshield?

By | Auto Insurance, Insurance

We’ve all been driving along, minding our own business when a rock the size of a melon comes flying like a targeted asteroid and smacks right into your windshield, leaving a chip or crack in your car’s visor and ruining your day. In reality, that rock probably wasn’t all that big, but driving at speed certainly makes the scene more dramatic. What’s not to be taken lightly is that mark on your windshield. Cracks and chips in your window may not seem like a big deal, but they impact your visibility and are a safety hazard. If you’re left with a serious…

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5 FACTS YOU NEED TO KNOW ABOUT EPLI INSURANCE

By | Commercial Insurance, Insurance

Four little letters – EPLI – cover a huge range of very serious issues. EPLI stands for employment practices liability insurance and deals with wrongful termination, discrimination, sexual harassment, and other workplace situations. It’s one of the fastest-growing legal issues. In 2016 the Equal Employment Opportunity Commission (EEOC) helped U.S. employees receive $482 million in discrimination compensation alone. And, in the years since some major Supreme Court decisions and lawsuits are on the rise overall. Here are five things you need to know about EPLI. SEE ALSO: What is Cyber Liability and Data Breach Coverage? 1. It’s not just a big business issue. Any business with…

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The Future of Personal Lines Insurance

By | Homeowner's Insurance, Insurance

The insurance industry has seen dramatic changes in the past few decades. Choosing insurance has become a complex task, especially when it comes to ever-evolving issues like employment law, cyber liability, and professional liability. The right insurance advisor makes all the difference. An experienced advisor can explain complicated subjects and provide first-hand examples of situations they’ve seen. Instead of just shrugging your shoulders and taking a shot in the dark, you can pinpoint a perfect policy that fits your company’s needs. SEE ALSO: 5 Questions to Ask Your Insurance Agent About Umbrella Coverage Licensed and Educated A good insurance advisor is fully licensed in their state…

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5 Things You Need to Know About Renters Insurance

By | General Insurance, Insurance

Renters insurance comes in handy when the unexpected happens. From a house fire to a break-in, it’s important to know that your personal items are covered when it matters most. What’s more, covering your potential liability is equally as crucial. If you’re sued because of negligence or something completely out of your control, like a party guest breaking an ankle in your driveway, renters insurance can be your saving grace. Many insurance companies offer substantial coverage at an affordable rate, but there are still several things to consider before starting a policy. As a licensed insurance agent, I’ll share answers to five common – yet critical –…

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How to Keep Your Car Safe From Potholes

By | Auto Insurance, Insurance

We’ve all experienced it…you come around a corner, or turn onto a street, and you see it…too late…a POTHOLE! You brace for impact as it rocks your body and your car…ouch! As roads go through a constant process of freezing, thawing and heating up, and then freezing again through the year, it leads to cracking, and when you add water to the mix, it’s a perfect recipe for potholes. It’s bad news for cars, though, because potholes can damage your tires, wheels and even your suspension. Here are some tips on how you can avoid them or at least minimize…

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