Insurance Blog | Bankers Insurance

May 29

Father with young daughter protected by child life insurance on back and playing in home.

Child Life Insurance | Securing Your Child’s Financial Future

As a child, my parents never knew half the ways my friends and I unwittingly put our lives in danger. Looking back, it’s a wonder any of us survived. From BB gun wars to racing around farms on ATVs to (my personal favorite) creating rocket engines out of spent... read more →

May 18

Ready to (Re)open? | Looking Forward With Optimism

The Coronavirus has affected many businesses deeply. Some have endured sharp declines in sales, staffing, and operations. And though each has been influenced to a different degree, we all are confident of a brighter future. Yet with reopening on the near horizon, some things cannot be business as... read more →

May 06

A homeowners insurance client in front of her fireplace.

Insuring Homes With a Fireplace or Wood Stove, Plus Safety Tips

I grew up in a home heated by a wood stove and fireplace. I often huddled around the hearth after dinner and stared at the wavering coals. I couldn’t help but smile. The glowing embers, orange flames, and penetrating heat seemed a pleasant connection with generations past. A shared... read more →

Apr 30

Semi trucks on highway - Uninsured Underinsured Motorist Coverage

Uninsured and Underinsured Motorists Coverage – Does Your Business Need It?

In some states, one in four drivers do not carry auto insurance. And although most states require motorists to have it, some allow coverage limits as low as $5,000! Certain states even allow drivers to be completely uninsured provided they pay a fee to the DMV. Shocking. This... read more →

Apr 07

Young man in home setting having video teleconference on laptop.

7 Tips to Protect Your Business From the Risks Associated with Remote Employees

With a rapid increase in telecommuting, every device, email server, and Wi-Fi network accessed outside the business network is a new potential access point or vulnerability for hackers to exploit. Already, businesses and government offices are seeing an increase in cyber threats attempting to take advantage of new... read more →

Apr 06

Insurance for Golf Carts, ATVs, UTVs, and Other Non-Licensed Vehicles

Last week while trimming bushes in my yard, I turned at the blast of motors racing down the road in front of our home and glimpsed two ATV’s as they shot by. Their drivers were small, thin, and crowned by large helmets, their appearance resembling bobblehead toys. They were... read more →

Mar 13

A terrified hiker running away from a Sasquatch.

How to Never Fear Workers’ Compensation or General Liability Audits

Simply the mention of the word “audit” makes the shoulders of many business owners slump. But a workers’ compensation or general liability audit is nothing like one from the IRS. Rather, because premiums for these policies are based on estimates of payroll and/or sales, when the policy ends... read more →

Mar 05

Young female entrepreneur using laptop and phone at home based business.

Covering Home-Based or Hobby Businesses | Gig Insurance

Many homeowners enjoy sharing their passions through teaching, building community, or providing services to others. Maybe you are a wildlife conservationist and enjoy leading Saturday ecotours on estuaries of the Chesapeake Bay. Or perhaps your interests are creative in nature and you operate a cosmetic or photography business. Others... read more →

Feb 18

Machine worker in denim and hardhat working on a metal mill.

New Salary Threshold and Bonus Opportunities under Fluctuating Workweek | Department of Labor Updates

In 2019, the Department of Labor (DOL) fined companies over $333,000,000, far surpassing any other. This trend will continue, and we expect more investigations for Fair Labor Standards Act (FLSA) compliance are on the horizon. One common misconception among our clients is that wage and hour disputes are... read more →

Feb 12

A pink amaryllis flower blooming among burned wreckage of the Kincade fire.

Rebuilding After a Catastrophe | Insurance Pays

“Insurance is a socialist scheme,” the driver muttered, spitting out the word scheme while glancing to me in the passenger seat. “It’s just taking one person’s risk and spreading it across the rest of us.” The man was a close friend, but also a prosecutor for our county,... read more →

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