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Is Your Auto Insurance Enough for Winter Weather Accidents?
Every year, more than 116,000 people are injured in car accidents caused by winter weather. Snow, ice, sleet, and high winds can reduce visibility, make roads slippery, and even leave your vehicle stuck on the side of the road. While these winter driving risks can be daunting, your winter car insurance policy is designed to […]
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What Is a Deductible? And How Do You Pick the Right One for Home and Auto Insurance?
If you’re shopping for a new homeowners or auto insurance policy, you’ve probably come across the term “insurance deductibles” more than once. But what does it actually mean—and how does it affect the price you pay for your coverage? An insurance deductible is the amount subtracted (or deducted) from your payout when you file a […]
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Why You Shouldn’t Let Your Auto Policy Lapse…Even Temporarily
When your budget is tight, car insurance might seem like an expense you can put on the back burner, but an auto insurance lapse can trigger unexpected costs and serious legal consequences. Maybe you’ve made all your payments on time but forgot to renew your policy before it expired—or you switched insurers but didn’t time […]
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How to Read and Understand Your Insurance Declarations Page
Have you ever had questions about your insurance policies and weren’t sure where to find the answers? Your insurance declarations page is a great place to start. This document offers a snapshot of your policy’s most important details—including your policy number, coverage types, limits, deductibles, premiums, and agent information- so you can quickly understand what […]
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Is Your Home or Business Ready for a Fire?
This October, Fire Prevention Month reminds us to prepare our homes and businesses with essential fire safety tips to prevent fires—and stay safe if a fire does occur. While we all remember “stop, drop, and roll” from elementary school, how often do you think about safe exit routes, charging your devices safely, or testing your […]
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Employment Practices Liability Insurance (EPLI): What Business Owners Need to Know
If you own a business, protecting your company from potential lawsuits is crucial. Employment practices liability insurance (EPLI) is a type of coverage that shields employers from claims related to discrimination, harassment, wrongful termination, and other employment-related issues. In this guide, our insurance experts explain what employment practices liability insurance is, who needs it, what […]
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How Moving Affects Your Home, Auto, and Business Insurance
Moving to a new home? While you might be focused on transporting furniture or picking out paint colors, it’s important not to overlook your insurance policies. Moving can significantly impact your premiums and protection. A change in scenery can often mean a change in what you pay and how well you’re covered. Regardless of where […]
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Business Interruption Insurance: Why and When You Need It
As a business owner, you know how important every day is to your company’s operations, revenue, and employees. When those operations are suddenly disrupted—by a fire, storm, or other unexpected event—it can threaten your company’s stability. That’s where business interruption insurance comes in. This valuable coverage helps replace lost income and cover ongoing expenses when […]
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Seasonal Business Insurance: What to Know About Starting and Pausing Coverage
If you own a seasonal business, you already know the challenges—staffing, cash flow, storage, inventory, and unpredictable weather. But what about insurance? Even in the off-season, your business is still at risk for property damage, liability claims, or equipment theft. Someone could slip and fall on your property, or one of your vehicles could be […]
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How an Independent Insurance Agency Saves You Time and Money
If you’re shopping for insurance, whether you’re buying coverage for the first time or looking for a better deal on an existing policy, you have a few options. You could go it alone, searching online and calling 1-800 numbers. You could meet with several captive agents (representatives who can only sell policies from one company). […]
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