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Category: Risk Safety

July 4th Safety Tips

We are approaching our nation's birthday, July 4th, and we hope everyone has a great day of celebration with friends and family. In 2021 over 5,800 people went to the emergency room as a result of fireworks-related injuries. There were an estimated 13,750 reported fires started by fireworks. These fires resulted in an estimated eight reported deaths, and $40 million in direct property damage. This...

Replacement Cost Coverage

Most homeowners and businesses buy insurance to cover the repair/replacement of loss of damaged property. Generally speaking, insurance companies do a good job of managing claims and helping the owners get their property back to a pre-loss condition. One important part of the insurance process is to understand the difference between Replacement Cost (RC) and Actual Cash Value (ACV) coverage.  Let’s start with definitions of...

Is Your Auto Insurance On Cruse Control?

Put Your Hands On The Wheel And Steer Your Auto Insurance Premiums Lower Did you know you can control what you pay for auto insurance? Auto insurance is best purchased when you have a licensed professional as your advocate. Licensed professional insurance agents help you get the best price and coverage, and good communication about your insurance factors is essential. Here are some examples of...

Does A Connected Home Technology Really Work?

Can you believe all the new innovations that are available for your home? Many new technologies can help you in the kitchen, help keep your home cooler in summer, and some even reduce your homeowner’s insurance premiums. Here is a recent quote from an insurance company, “If somebody has some sort of temperature-monitoring system in their house, we give them a discount for that.” Here...

Why Is Directors and Officers Insurance Important?

Corporate Directors and Officers Insurance (D&O) Protects Corporate Directors and Officers from Personal Liability The majority of business insurance policies are meant to protect a company's assets and earnings. The goal of Directors and Executives Insurance, often known as D&O Insurance, is to protect and defend the personal assets and income of boards of directors, employees and corporate officers. A startup company does not require...