What is a Certificate of Insurance? A Certificate of Insurance (COI) is a document outlining the coverages of the insured. It can be issued by the insurance carrier or an insurance agency. A Certificate of Insurance will contain important basics such as policy expiration dates and individuals covered. It will…

If the unexpected occurs it can cost your business time, money, the ability to operate, and sometimes the capability of ever reopening. Having the proper business insurance coverage can help mitigate losses such as property damage, liability, business interruption, injured workers medical bills, and even legal fees. Finding the correct…

No one wants to think about what might happen after their death. However, planning now for the future can save you and your family anxiety and heartache after you have passed. Having a Life Insurance policy or a will as part of your estate plan helps to provide for your…

Thanks to an unusual convergence of market trends, ushered in by the pandemic and followed by other disruptive events, you may see a bigger change to the cost of your home and auto insurance than usual when it comes time to renew your policies this year. Insurance rates are based…

Personal umbrella insurance is an additional policy that can be purchased to extend the amount of coverage of your homeowners or auto policies in the event that a claim exceeds their limits. An umbrella could expand your coverage in the event of a serious auto accident where you are at…

There are many decisions to make when you buy a home, and your insurance coverage is one of the most important. Most mortgage lenders require homeowners insurance to protect their interests, and you need it to protect yours. If you are unfamiliar with this coverage, there are a few things…

As a manufacturer, your business must meet certain standards and responsibilities. The unique nature of manufacturing businesses requires comprehensive manufacturers insurance as well. You should understand the risks your manufacturing business faces to target your insurance coverage appropriately. There are some key risk factors that every manufacturer should understand. Manufacturers…

When an unexpected motor vehicle accident leaves you without transportation, having Rental Reimbursement as part of your auto insurance may be vital. The time it takes to repair your vehicle might take much longer than it did in the past due to supply chain issues and staffing shortages. And, the…

Did you know that every year on June 28th we celebrate National Insurance Awareness Day? We know that insurance isn't often a topic that people want to think about unless needed since insurance comes into play when accidents or tragedy strikes. And who wants to focus on the bad? But…