Business insurance is one of the most important investments a business can make. There are a variety of business insurance policies available, and the coverage they provide can vary widely. However, most business insurance policies cover common risks like property damage, liability, and employee injuries. Property damage coverage protects your business if your property is damaged or destroyed. This can include damage caused by fire, vandalism, weather, or other events. Liabil

We see 5 main reasons why people suffer financial devastation when mayhem strikes. We made this video to make sure this doesn't happen to you. Number 5, they don't know that flood is not covered in a home policy. Number 4, they don't realize how often the liability limits of auto and home policies are often exceeded. Number 3. They don't understand the importance of a personal umbrella policy. Number 2, they don't prepare for the worst and understand how inexpensive life in

With lawsuits becoming more frequent over recent years, many homeowners want to know if a home insurance policy provides protection against being sued in a civil proceeding. Now, the answer to this question really depends entirely on the details of your particular insurance policy. While many general home insurance plans offer some amount of liability coverage, the amount of coverage can vary, and it is worth noting that if you're still paying off your mortgage, your bank may

There are a lot of factors to consider when you're deciding whether or not to cancel your business insurance. And many businesses contemplate canceling their insurance due to high premiums, but canceling your insurance means that you'll likely pay higher premiums when you apply for a new coverage. In fact, many companies will not allow you to cancel your policy, and even if you can cancel it, you usually can't get back the money you've spent. That's why it's always important

OK, so there are a broad range of business insurance options that cover a wide variety of risks, right? And I gotta say many business owners are unclear on the function of business interruption insurance. So to put it simply, uh, business interruption insurance basically replaces income that you would have earned if something prevents you from being able to engage in normal business operations. So in other words, if a tornado, say, destroys your storefront, oh, that'd be terr

So many business owners want to know whether or not a business license is required before they can purchase business insurance coverage. Now, as a rule, you don't need a business license to purchase business liability insurance, but there are certain kinds of, uh, industry specific insurance that might require. A license or certification. Now if you are a sole proprietor or a contractor for example, you can almost always acquire business liability insurance without a license,

Oftentimes homeowners will let their policies lapse either by accident or due to unforeseen financial challenges. Now when this happens, a common question we hear is whether or not a home insurance policy can be reinstated. Now, in most cases when a home insurance policy lapses, it's because a payment was missed. Speaking, bringing your account up to date and paying overdue fees will reinstate the policy. However, if your home insurance policy has lapsed or has been inactive

Anyone who has ever had roof damage knows that it is one of the most harrowing and expensive types of damage that could happen to your home. And you know, because of these just nightmare stories, homeowners need to know whether or not roof damage is covered in a home insurance policy. And so, well, It depends. Uh, like most kinds of insurance, a home policy covers the types of damage that are outlined in the paperwork, so make sure that you check the details of your policy an

For frequent travelers or families who are planning a vacation, a very common question is whether or not an auto insurance policy covers car rentals. Great question. So, uh, this actually isn't a simple yes or no answer. It depends entirely on the particulars of your individual auto insurance cover. Some carriers cover the driver, meaning you, so no matter what kind of vehicle you're driving, your coverage follows you. On the other hand, some carriers cover specific vehicles,

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Finding the best service providers in town can be frustrating. That's why we want to share our concierge program with you. We're your local field guide to businesses that provide top quality service. Looking for reliable assistance with your real estate needs, new restaurant, auto mechanic, chiropractor. Our concierge program is your one stop resource. It's free to use and we don't charge businesses to be listed either, but they can only be added if a customer or our team r

At our agency, we believe you deserve top quality service, period. That's why we're committed to giving you the best of us. We'll make sure you have the right coverage, the right discounts, and can take comfort in knowing the things that matter most to you are protected. We also believe in giving back. As agents of change in our community, our agency will rally around a new community cause. Together we can positively impact the lives of others around us. So for every friend