When it comes to auto insurance, many of us are familiar with the basics: liability, collision, and comprehensive coverage. However, two other types of coverage are often overlooked, yet essential for anyone on the roads, and they are uninsured motorist and underinsured motorist (UM/UIM) coverage. In this article, we'll define…

It takes years to build a positive image for your company, but only moments for it to crumble. One significant threat to your brand reputation is the risk of product recalls. Recalls can be devastating not only in terms of financial losses and lawsuits but also in the lost trust…

There's no better time than the present to buy life insurance. Not only is September Life Insurance Awareness Month, but as Donald Fagen famously said, "We're not getting any younger." The older we get, generally the more expensive life insurance becomes. Putting a policy off for "down the road" will…

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…