The Benefits of Working with an Independent Agent

insurance agentHaving worked in the insurance industry for ten years, I have received many calls, e-mails, and texts from friends and family regarding their insurance needs. I am more than happy to assist where I can, but my conversations with them seem to always end with one question, “Do you have an independent agent?” Like many not in the insurance industry, insurance can be an unknown. It’s something that you know you need to have, but don’t fully understand how it works. It’s an intangible product that you pay for every year and hope to never use. Here are three reasons I believe working with an independent agent is the best option for purchasing insurance. {Read More…}

A Quick Bite: Dog Bite Statistics

dog bite claimDog ownership is very common in the United States, and a dog is more of a family member than a pet. Dogs also pose a great liability for homeowners and an increasing amount of claims are being seen related to injuries from dog bites.

Every year, about 9,500 U.S. citizens are hospitalized due to dog bite injuries. Each day about 1,000 U.S. citizens require some form of emergency care related to dog bites (dogsbite.org). Below are some statistics related to dog bites in the United States. {Read More…}

It’s a Bird. It’s a Plane. No it’s a Drone.

droneUnmanned Autonomous Vehicles (UAVs) or Remotely Piloted Aerial Systems (RPAS), commonly known and referred to as drones, are aircraft which can be operated without an onboard pilot. Originally developed for military use in situations deemed too dangerous for manned aircraft, their use has since expanded to scientific, recreational, agricultural, commercial, and insurance industries. In the insurance industry, they are highly versatile. They can perform such tasks as property surveillance, 3-D mapping, and roof inspections. As the number of drones increase and their capabilities expand, it is inevitable that they will soon become common sights in the sky. As with any new technology, drones have their own unique risks and hazards. If you have purchased a drone, or are looking to purchase one for your personal or commercial use, the following tips, guidelines, and general information will help you comply with existing regulations, safely operate, and properly insure your drone. {Read More…}

Home-Based Businesses: Are You Properly Insured?

home based businessAs a general rule of thumb, if you’re engaged in a business where you earn more than $2,000 per year, you should consider obtaining a commercial general liability policy or a business owners policy (which will provide property coverage for your business property in addition to covering your business liability exposures) but the actual nature of your business may dictate otherwise so be sure to discuss with your local independent insurance agent. {Read More…}

E-asy Button – Go Paperless

paperlessHas a service provider or company asked you to go paperless or to sign up for e-billing?

If you haven’t been asked this, I would be genuinely surprised. In today’s world, paper statements are becoming a thing of the past. Have you ever thought about why companies are pushing the idea of paperless billing? Here are a few great reasons
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What’s Driving My Personal Auto Insurance Rates?

personal auto insuranceIf you drive a vehicle, you are required by law to have insurance. But why do we need it?

Consider hitting a car and injuring three passengers. If both your vehicle and the other vehicle are valued at $20,000 and considered total losses, and each passenger has medical claims of $20,000, this quickly adds up to $100,000! That’s an amount I don’t even want to think about having to plan for in my annual budget! Fortunately, there’s insurance! {Read More…}

The Great Escape: Emergency Escape Plans

home fire escape planAccording to the National Fire Protection Agency (NFPA), roughly seven people died each day in U.S. home fires in 2013. Having a fire escape plan is quintessential and the implementation of such a plan is critical to ensuring a safe evacuation in event of a fire emergency. Here are some helpful tips to follow for preparing your home and creating and implementing a plan.
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A True Tale About Water Backup of Sewers and Drains Coverage

water damageTake a moment to review your exposures with your independent insurance agent and allow him or her to offer you the proper coverages – such as water backup of sewers and drains – that are needed to protect your home.

Here is a story about a thunderstorm rolling through an area causing power outages along with water-related issues due to the amount of rain that fell in a short period of time. Can you guess what happened?
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Severe Weather Safety Tips

Emergency kitWindstorms, hurricanes, tornadoes, and wildfires are just a few examples of extreme weather events that occur throughout the United States on a regular basis. It is often difficult for even the experts to predict the impact and severity of these events. While the last thing anyone wants to think about is one of these events affecting them personally, it is very important to be prepared for a worst case scenario and have a plan in place. It is crucial to understand the area you live in and the potentially harmful events that could affect you and your community.

Here are some basic steps you can take with your family to try and prepare as much as possible. {Read More}

Set the Bar Higher for Safety

drink safelyHolidays also evoke a sense of celebration…and drink specials at your favorite bar or restaurant. Whether it’s the champagne of New Year’s Eve, the green-tinted cocktails of St. Patty’s Day, or the margaritas of Cinco de Mayo, the commercial underwriter in me sees the potential risks for the establishment involved.

Most of bars and restaurants are full of celebrators on these days and it’s great for business – if you have the proper liquor liability coverage and controls in place. In my experience underwriting liquor liability coverage, most establishments recognize the need for this coverage, but many do not recognize the need to have all of their servers complete a certified alcohol awareness training course. Here are the top three reasons all servers need this important training: {Read More…}