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Archives: 2018

Are You An Unsafe Driver?

Driving on America's roadways today is a dangerous undertaking. The National Highway Traffic Safety Administration (NHTSA) reports that the U.S. saw 37,461 traffic fatalities in 2016, many of which were caused by driver error. Many people who consider themselves to be safe, dependable drivers actually have dangerous driving habits. Whether you've been driving for days or decades, avoiding the following common driving behaviors can help...

Understanding Your Auto Policy

Drivers are required to carry minimum liability coverage in most states in the U.S. This coverage provides some protection in case you are involved in an accident that causes injury to another or damage to someone else's property. Most vehicle owners want additional optional coverage for damage to their own vehicles. Our experienced agency can work with you to tailor the coverage amounts you need...

Homeowners Insurance: When Do You File A Claim?

Homeowners insurance is designed to cover damage to your property caused by certain covered events. It stands to reason that as you are paying your premiums, you should take advantage of available coverage. However, the reality is that it is not always advisable to file a homeowners insurance claim, as it can lead to higher premiums or even cancellation in some cases. Underwriters tend to...

Understanding Your BOP

A business owners policy (BOP) combines protection from all major business property and liability risks in one convenient package. Package policies are created for small and mid-sized businesses that face the same type and degree of risk. A policy that combines property and business liability insurance can cover your business for claims resulting from fire, theft, and other covered disasters, as well as for claims...

How To Control Workers' Compensation Costs

Workers' compensation has become a major contributing factor to the cost of business insurance. Premiums are high for many types of businesses, and the additional costs associated with employee injuries can be staggering. However, business owners are not as helpless as they may feel in controlling the cost of workers' compensation insurance. Our knowledgeable agency is available to assist with loss control in several different...