Why Do I Even Need Insurance?
Once you enter the workforce and become a true working adult in society, words like 401K and insurance can become a little overwhelming. You may ask yourself; do I even need insurance? The simple answer is yes! Getting insurance is a way of managing all of the...
Understanding the Difference Between Federal and Private Student Loans
Debt happens. When it comes to pursuing a post-secondary education, loans can be an important means to an end. But before you choose between federal and private loans (or choose a combination of the two), you need to understand the difference and the long-term effect...
Are Your Valuables Protected? Five Possessions You Might Not Know Should Be Insured
While you hope never to experience a theft or home invasion, there are unfortunately about 2.5 million burglaries annually in the U.S. According to the FBI, this equates to one burglary every 30 seconds. A standard homeowner’s insurance policy covers personal items...
What Kind of Insurance Protects You Against a Lawsuit?
Whether on the road or at home, you do what you can to keep yourself and those around you safe. But accidents happen — and sometimes they can lead to pricey lawsuits. Have you ever considered what you’d do if you were sued for something like accidentally injuring a...
Should I Pay My Auto Insurance Premium Monthly or Annually?
When it comes to automotive insurance, you may find yourself faced with multiple decisions to make. Should you choose a high or low deductible plan, minimum or maximum coverage, or pay premiums monthly versus an annual lump sum? Although there is truly no wrong...
5 Tips for Driving at Night – Insurance repurpose from trucking
Depending on your job, you may need to do a lot of driving at night. Or perhaps you like to leave in the wee hours to go on family vacation, so you can arrive at a decent time the next day. Some drivers do prefer night driving because the roads are more open. Even so,...
WHY WORK WITH AN INDEPENDENT INSURANCE AGENT FOR COMMERCIAL AUTO COVERAGE?
In this Internet age, it’s incredibly easy to purchase insurance online – directly from the carrier and without ever having to leave your screen. When you’re in charge of insuring a fleet of commercial vehicles, this option is surely tempting. You don’t have much...
Why Does Your Business Need Cyber Liability Insurance?
In the past, most businesses retained their data either in a hard copy format, such as paper records and files, or on a private computer server that was stored within their building. However, cloud-based software has exploded in recent years. It offers affordable and...
Hiking & Camping Safety: Staying Safe in Nature this Spring
One of the most beautiful aspects of nature is that it is ever-changing. You and your family may visit a National Park in the summer, only to return in the winter and discover completely new surroundings. This can be exciting, but it also means nature presents its own...
Spring Forward to Auto Safety
As the temperatures begin to rise, it can be tempting to take long drives with the windows down or plan vacations to other cities and states. But is your car protected and prepared for more hours spent on the roads? By doing a tune-up on your car, and ensuring your...
What You Need to Know About Funeral Planning
It’s the topic no one needs to think about, but everyone needs to think about it. For as the saying goes, the only things in life that are certain are death and taxes. When the time comes for you or a loved one, nothing helps people say goodbye like a meaningful...
Understanding Cardiovascular Disease and What It Means
According to the American Heart Association in a 2019 study, nearly half of all adults in the United States - 48% to be exact - have some form of cardiovascular disease. The term “cardiovascular disease” is used to refer to a number of conditions, including heart...
How Does My Dog’s Breed Affect My Homeowner’s Insurance?
It has long been said that dogs are humankind’s best friend. If you have a canine companion you love, chances are they are an integral part of your family life. They snuggle with you (or on the dog bed) at movie nights, attend your barbeques and parties, and run to...
How to Utilize Life Insurance for Your Retirement
When it comes to planning your retirement, a lot of agents will highly recommend that you invest in a permanent life insurance policy. In truth, this may not be the best move for you. The permanent life insurance policy is intended for individuals who have obtained a...
Buying, Building, or Renovating a Home? 5 Things to Know About Insuring Your Investment
The process of owning a new home can be exciting, especially for a first-time buyer. But it can also be challenging to navigate, especially when trying to figure out the right types of insurance you’ll need. Here are five things you’ll want to keep in mind as you...
How to Protect Yourself from a Slip, Trip, or Fall
Slips, trips and falls are the number 3 cause of accidental death in the United States, right behind motor vehicle accidents. No matter where you are in the world, if you are indoors or outdoors, you can experience a slip or fall. Slips and falls can naturally happen...
Is Your Small Business Prepared to Handle a Lawsuit?
The thought of facing a lawsuit at your business is a scary thing. Large businesses likely have a legal department that is practiced at handling these situations, and they may even have a budget set aside specifically for legal matters. For small businesses, it is not...
Understanding Employee Practices Liability
Employee Practices Liability, often referred to as EPLI, covers businesses against claims by workers that their legal rights as employees of the respective company have been violated. There has been a considerably large rise of lawsuits employees have been putting...
How to Prevent Cold Weather Injuries
Many people in the world still have jobs and positions that require them to complete work outside no matter the weather. Worker’s compensation benefits were indoctrinated to help protect those who work in labor intensive positions. While we can lean on the workers'...
3 Ways to Make Your Home Kid-Friendly and Safe
Moving into a new home can be an exciting, yet stressful, process. In the mix of things, you shouldn’t have to worry about the safety of your children. Use these tips to make sure that every area of your home is childproof and safe for your kids to play in. ...