Blog

Should You Have An Insurance Agent?

Why Should You Have An Insurance Agent?   This is a question that we get a lot. Whether to buy insurance through an agent or to just buy directly from an insurance company. There are a lot of reasons that having an insurance agent can help you.    #1 More ...

Business Income Insurance

Business Income Coverage or Business Interruption has been thrust into the spotlight as a result of the COVID-19 Pandemic.   So what is Business Income Insurance?   Business Income Insurance is simply an insurance coverage that pays for the “net income that would have been earned or incurred” and “continuing ...

What Is An Umbrella Insurance Policy And Should I Have One?

    What is a Personal Umbrella Insurance Policy and why would someone buy it?   First, we have to understand what an Umbrella Policy is.    An Umbrella Policy does two things:   Provides Coverage over and above underlying policies such as homeowners and/or auto insurance policies. &...

Homeowners Insurance Explained

Homeowners insurance is one of the most commonly purchased insurance policies in the world. Like auto insurance, most of us have it, but we don’t always understand it. Like most insurance policies, it is not always straightforward. In this article, we will break it down and help you understand ...

Understand Car Insurance Before You Buy

Buying Car Insurance can be really confusing. There are a lot of different coverages and it can be really hard to try and figure out what you actually need. Because needs vary from one person to another, having a basic understanding of the coverages can help you make an informed ...

6 Ways To Get Cheaper Car Insurance

We all have one thing in common:   We want cheaper car insurance!    You can always lower your premium by lowering or removing coverages you have on your policy, but this can reduce its effectiveness. So how can you reduce your insurance premium without sacrificing protection?   Here ...

What is the MOST Important Thing to Look for when Shopping for Business Insurance?

Shopping for insurance for yourself or business can be a very time-consuming affair. Agents and insurance companies often require much more information than one would think that they need. This means filling out multiple applications and digging through reports to get information.  So how often should you have ...

Personal Health Information Is The Most Sought After Information. Is Your Medical Office Protected?

Medical Offices are considered High-Value Targets for Hackers.   It is necessary to collect information on the clients we interact with to effectively serve them. When we do, we create a record with Personally Identifiable Health Information (PHI). While necessary, these records create a liability for the Medical Office who ...

How Can Having An Umbrella Insurance Policy Help Protect Your Business From Failing?

In insurance, you always have high enough limits, until you don’t. As our society becomes more and more litigious, the need for higher insurance limits has been on the rise. One way to protect your business is by purchasing an Umbrella or Excess Liability Insurance policy.   There are ...

Large Companies Spend Millions On Their Cyber Security Systems And Are Still Compromised Regularly. Is Your Business The Low Hanging Fruit?

Small businesses seem to have been lured into a false sense of security when it comes to data breaches. I have the opportunity to speak to many businesses about this topic and I hear the same thing repeated, “We are too small for anyone to want to Hack”.   The ...

4 Benefits of Having Directors & Officers Insurance

Directors & Officers Insurance protects the Management Team of a corporation for claims involving Economic Loss, Employment-Related Suits, and other claims that are not covered by the Corporation’s General Liability Policy.    Here are 4 reasons to buy D&O Insurance.   Directors and Officers can find their ...

Your Business's Computer System Was Just Taken Over By A Hacker. Do You Understand What The Effect Is?

How many of you, if your computer systems were taken offline and you could not access any information or use any of your technology, would be able to function normally?   Maybe you could for a day. What about for a week? A month? What if you could not ...