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Posted on April 19th, 2018 by admin

The idea of ending your daily commute and working from home is attractive to most people. Before you make your decision to bring your business home, though, there are a few essential details, related to insurance; you need to know. Your Homeowners Policy Does Not Protect Your Business It’s true. You need additional coverage to protect your business interests when you work from home. Finding the right protection in a home-based business insurance policy can be tricky. Which is why it is so important to work with a trusted independent insurance agent to make sure you are receiving the right…Read More

Posted on April 10th, 2018 by admin

Renters insurance is something many people, especially those who need it most, have never heard of. But, for people who rent, it is essential protection for their financial well-being. Whether you are asking, “Should I get renters insurance?” or not, the answer is simple. You should. Renters insurance offers affordable, essential protection for you and your family. Look at it this way: You’ve moved into your dream apartment and furnished it with beautiful furniture, decorated it to look like a model home, and filled it with your treasured belongings and precious collectibles. The value of all these items can add…Read More

Posted on April 3rd, 2018 by admin

Slip and fall injuries can present big problems for large and small businesses. Not only are customers and guests susceptible to slips, trips, and falls on your property, but so are employees. Slips and falls, according to the National Floor Safety Institute, account for more than one million ER visits annually. These injuries aren’t without consequence either. They can result in: Fractures Head Injuries Disability Lost Time at Work Death The bottom line is that slip & fall injuries in the workplace can cost businesses big and preventing these injuries needs to be addressed. These 7 tips can help you…Read More

Posted on March 26th, 2018 by admin

According to the Insurance Information Institute, 15.4 million consumers in the U.S. were victims of identity theft in 2017, resulting in 16 billion dollars in theft. Within the last six years, identity thieves have managed to steal more than 107 billion dollars. Even more alarming is that despite greater awareness of identity theft, the number of victims each year is growing. The 15.4 million people affected in 2017 is up substantially from the 13.1 million victims in 2016. How Does Identity Theft Happen? Thieves have many tricks and tactics they use to obtain your personal information and thus your identity….Read More

Posted on March 12th, 2018 by admin

Harassment in the workplace is becoming one of the most challenging things for business owners to deal with. One of the reasons for this is the highly subjective nature of it. What may not appear to be harassment to a casual observer, may feel like harassment to the person who is targeted by the actions or comments. Three Types of Harassment in the Workplace You may have heard of one or more types of harassment in the workplace. You may, however, be surprised to learn that there are three types of harassment commonly experienced and/or complained of in the workplace:…Read More

Posted on February 15th, 2018 by admin

Once you have decided to drive for a rideshare program like Uber or Lyft, your next thought should be about insurance protection and the options available to you. Your personal auto policy is not going to cover your rideshare activities. Some insurance providers may even drop you from coverage if they find out you participate without notifying them. With that in mind, what are your options for insurance protection? Why Don’t Rideshare Companies Offer Insurance Coverage? Ultimately, both Uber and Lyft do offer insurance protection, but with limited protection to drivers.  To understand how limited the policies are, you first…Read More

Posted on January 31st, 2018 by admin

Are you considering driving for services like Uber and Lyft to help supplement your income? It can be a good plan that can help you meet your financial goals while holding on to your day job. If so, you’ll want to make sure you have the right kind of rideshare insurance protection so that your vehicle (no pun intended) to your financial dreams doesn’t become a monetary albatross. Most traditional auto insurance policies specifically exclude activities related to ridesharing programs like Uber and Lyft. So, yes, you do need special insurance if you intend to drive for a rideshare service….Read More

Posted on November 29th, 2017 by admin

Because…… We offer a choice of insurance products from many different insurance companies We will give you objective advice because we’re not employed by an insurance company, we work for you We will help you find the right coverage, at an affordable price We can access companies that offer insurance coverage for unique or hard to place risks We are licensed agents and attend many continuing education sessions to help our customers make complex insurance decisions based upon their individual needs, not one size fits all We’re local, you can visit our office during the business day and meet with…Read More

Posted on October 26th, 2017 by admin

The annual apparition of spooky skeletons, broomstick-riding witches, and carved pumpkins is a sure sign fall is well underway. Second, only to Christmas in terms of how much consumers spend on decorations, Americans of all ages seem to love celebrating Halloween. The Halloween spirit has spread to the inside and outside of the home as well, with homeowners setting up elaborate displays that range from haunted houses in the basement to graveyards on the lawn, as well as high-tech LED lighting outdoors. When planning and setting up your Halloween decorations, it is a good idea to consider any potential risks…Read More

Posted on October 19th, 2017 by admin

While spring is a common time for many homeowners to spend some extra attention on upkeep and maintenance, autumn is just as critical a season for preparing your home to withstand the potentially harsh winter weather and temperature conditions that may await you. By making maintenance part of your annual fall routine you can identify potential problems before they arise, and help prepare your home and property for what Mother Nature has to offer. Following are some home maintenance tips to help you prepare for the coming winter: Have your heating system cleaned and inspected annually by a qualified technician….Read More