Nov 24

In-Home Businesses Are Not Covered by Homeowners Insurance

In-home businesses are not protected by homeowners insurance and may even reduce coverage on the home itself. But before you say, “I don’t run an in-home business,” consider whether you have a side gig. For many of us, they help cultivate creativity, maintain sanity, and even bring in... read more →

November 24, 2021
Personal Insurance (Home, Auto)

Nov 12

Downtown business storefronts decorated for Christmas.

Protect Business Property from Low Temperatures

With the coming drop in temperature, risk to business property of all types goes up. It is tempting to overlook the risks that low temperatures pose when in fact the amount of damage they can cause is much greater for a business than a typical home. Not only are... read more →

November 12, 2021
Business Insurance

Nov 06

Masked woman holding COVID vaccination card.

Complying with the OSHA COVID Vaccine Mandate | SESCO Webinar Series

In this webinar, we explore the long-anticipated Emergency Temporary Standard (ETS) issued by the Occupational Safety and Health Administration (OSHA) on November 4, 2021. This guidance requires employees of large employers (100 or more employees) either to get vaccinated or to test negative on a weekly basis. The ETS... read more →

November 6, 2021
Business Insurance

Nov 03

Bankers Insurance announces our new CEO, David Erwin.

Passing The Baton | Bankers Insurance Announces New CEO

Agency Positioned for Continued Growth We’d like to announce the retirement of President & CEO Marshall Fleming and, at the same time, introduce David A. Erwin as his successor. Marshall led the company for over twenty years from its inception, making David the second President & CEO of... read more →

November 3, 2021
Insurance Industry

Nov 01

Father, young son, and dog driving in car.

How To Save Money on Car Insurance | Auto Insurance Myths

King Midas never turned anything to gold, and just because you’re getting older doesn’t mean your auto insurance rates will decrease. Many similar insurance myths exist today. But the truth is lots of factors drive auto insurance costs, not just a few. Some insurance companies scrutinize more than a hundred... read more →

November 1, 2021
Personal Insurance (Home, Auto)

Sep 23

Realtor walks through a vacant home with couple.

Insuring Homes for Sale | Insuring Vacant Homes

Many homeowners’ insurance policies do not protect the home after you have moved out. Insuring vacant homes should be handled thoughtfully. Most areas of the U.S. are currently enjoying a strong real estate market and leaving a home empty while it is for sale is less likely to occur.... read more →

September 23, 2021
Personal Insurance (Home, Auto)

Sep 09

Hidden Liability Due to Employees’ Autos | Non-Owned Auto Liability

The most significant risks are sometimes the ones we don’t foresee, and vehicles owned by employees can represent just that. Even though the business doesn’t own these vehicles, if they are ever driven in support of the business, the business can be held liable. Courts have imposed non-owned... read more →

September 9, 2021
Business Insurance

Aug 27

Thunderstorm and rain move across a valley and town.

Flood Insurance Alternatives for Home or Business

Flood damage is not covered by standard home or business insurance policies. Though certain types of water damage are included, a separate flood insurance policy is needed for flood protection. However, few clients realize how many water events are considered a flood. In fact, thirty percent of all flood... read more →

August 27, 2021
Business Insurance, Personal Insurance (Home, Auto)

Aug 12

Business vehicle driver submitting claim on phone.

How to Report a Business Vehicle Accident | Bankers Insurance

Business vehicle accidents that are reported properly are settled faster and have less impact on future insurance pricing. Improper reporting delays payments and increases claim costs, thereby increasing future cost of insurance. Businesses should take ownership of business auto claims and manage them like other business processes, ensuring their... read more →

August 12, 2021
Business Insurance

Jul 21

Extra Home Insurance Coverages

Ever wonder which of the extra home insurance coverages you should purchase, if any? These additional coverages are often available on an a-la-carte basis and are offered because the standard policy either limits the coverage or excludes it altogether. Below we explain the most common “extra” home insurance coverages... read more →

July 21, 2021
Personal Insurance (Home, Auto)