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Why It’s Important to Review Your Personal Umbrella Limits Every Year
You carry a personal liability umbrella policy to safeguard your financial future and protect your family from unexpected costs tied to lawsuits and settlements. Claims for bodily injury, property damage, negligence, and other incidents can arise at any time, without warning. That’s why it’s essential to stay protected year-round by reviewing your umbrella policy annually. […]
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From Agent to Advocate: 5 Strategies to Be More Than Just an Insurance Provider
In today’s age of automation, both companies and consumers are constantly seeking new technologies to save time and money. But as efficiency increases and costs decrease, so do expectations for exceptional customer service, often at the click or tap of a button. While technology can certainly make our jobs easier, it cannot replace the human […]
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What Types of Insurance Do I Really Need?
Depending on your stage of life, where you live, and your career path, your insurance needs will vary. Insurance policies serve as crucial safeguards against potentially devastating financial losses—protecting you, your family, and even your business. But with so many options—home, auto, business, and beyond—navigating the insurance world can feel overwhelming. That’s where the independent […]
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Understanding Usage-Based Auto Insurance: Is It Right for You?
If you’re looking for ways to save money on your car insurance, you may come across an option called usage-based auto insurance (UBI). This type of policy calculates your rate based on your driving habits, meaning safe drivers can often unlock discounts they wouldn’t receive through traditional auto insurance. But what exactly is UBI, and […]
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Auto Insurance Guide: 15 Questions to Ask Before Purchasing a Policy
Choosing a car insurance policy is more than just a box to check. It’s a financial decision that can have serious consequences if you don’t get it right. With so many coverage types to sift through, it’s easy to feel overwhelmed or make assumptions that ultimately leave you unprotected. That’s why it’s important to ask […]
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Small Businesses Are Increasingly Targeted by Cybercriminals — Here’s What You Can Do
Cybercrime is on the rise across all industries—but if you’re a small business owner, you’re especially vulnerable. According to a 2023 report, 43% of cyberattacks target small businesses, yet only 14% have adequate defenses in place. Cybercrime is a highly profitable enterprise. Criminals who gain access to your company’s data often sell it for significant […]
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Avoiding Insurance Rate Increases: Steps to Take After an Accident
If you’ve ever been involved in one, you know how stressful car accidents can be — both emotionally and financially. In addition to repairs, one of the biggest cost concerns for drivers after a crash is the potential increase in their insurance premiums. Depending on factors such as fault, claim amount, and driving history, even […]
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Why Your Car Insurance Goes Up Every Year (Even with No Claims)
If you’ve noticed your car insurance premium creeping up year after year, you’re not alone. Many drivers are surprised to see higher rates at renewal time — even if they haven’t filed a claim. The reality is that car insurance pricing is influenced by a number of personal factors and broader industry trends, some of […]
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Landscaping Liability Insurance: Everything You Need to Know
If you’re a landscaper, you know that it can be a dangerous field. And if you own a landscaping business, you might be concerned about being held liable for property damage, injuries, or accidents. That’s why experts recommend that landscapers purchase a landscaping liability insurance policy. While not legally required, landscaping liability insurance is essential […]
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Why Businesses Need General Liability Insurance
If you own a business, you should consider purchasing a general liability insurance policy. Also known as business liability insurance, commercial general liability insurance, or public liability insurance, this type of policy provides broad protection—covering everything from slip-and-fall accidents to lawsuits over copyright infringement. Accidents can happen on your business property or as a result […]
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