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Understanding insurance audits - business insurance audits part 1

March 08 2019
Depending on who you ask, the reaction to insurance audits vary from “it was no big deal” to ”mildly annoying” to “frustrating”. As an agent, we wish that every audit fell in the “no big deal” category. By having a clear understanding of why audits are conducted, being as accurate as possible upfront with policy applications and maintaining proper documentation, businesses can make the audit process easier and avoid surprises.

Costly insurance mistakes to avoid

February 25 2019
When making decisions about your insurance, it can be a balancing act deciding how much coverage to buy. When a claim occurs, few people would regret having spent a little more for the extra coverage that prevents a large out of pocket expenditure. Avoiding these common insurance mistakes will help ensure you have solid protection.

Insuring your home-based business

February 20 2019
Whether you’re running a part-time, seasonal or full-time business from your home, you’ll want to carefully consider your risks and insurance needs. Starting a business—even at home—can be a challenging venture, and having the right insurance can provide a financial safety net and peace of mind.

Can you afford to replace that ring, bracelet, etc.?

February 14 2019
Insuring jewelry is different from your other personal possessions. Standard home, renter and condo policies generally have a $1,000 specific limit in the event of theft. You may be able to increase that amount to $3,000 with some companies; however, for an expensive piece such as an engagement ring, you probably would have a coverage gap. Find out how you can protect the full value of your high value jewelry and get better coverage for situations such as losing the ring or a stone falling out.

Is your business prepared to survive a disaster?

February 12 2019
Forty percent of businesses do not reopen after a disaster and another 25 percent fail within one year. But by taking action in advance to prepare, businesses can increase their chance of getting back on their feet financially and keeping their doors open.

Renters...you need insurance, too.

February 07 2019
According to a survey by Apartments.com, 58% of renters don’t purchase tenants insurance...often because they didn’t know that it existed or thought it was expensive...

11 things to discuss with your agent before taking action

February 01 2019
Sometimes decisions you make can impact the pricing and availability of insurance. If you’re contemplating any of these decisions, be sure to speak to your insurance agent first to discuss how these issues can impact your insurance coverage and premium.