Nov 24
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 → Nov 12
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 → Nov 06
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 → Nov 03
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 → Nov 01
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 → Oct 12
The Anatomy of Workers Compensation Each business controls their own workers compensation cost. Too often business owners view work comp expenses as unmanageable, their sole influence being to periodically shop their insurance policy with a different insurance company. Nothing could be further from the truth. Workers compensation costs can...
read more → Sep 23
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 → Sep 09
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 → Aug 27
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 → Aug 12
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...
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