Creating a detailed business inventory is nobody's favorite task, but it's an important one. In the wake of a theft, fire or natural disaster, it may be too late to reconstruct a full accounting of your assets - which...

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Do you find the nuances of auto insurance a bit confusing? That’s okay, you’re not alone. Choosing the right coverage and limits can be daunting. You may simply opt for the minimum coverage required in your state and...

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This winter, we want you to know that, whether you are traveling for the holidays, or you’re at home shoveling your sidewalk, your independent agent is here for you. Whether you need to make a claim, or you just want to...

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Annuities are investment products designed to offer the owner a steady income stream in the future. Some people buy an annuity when they receive a lump-sum payment from a legal settlement, an inheritance or an employer....

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Employee benefit staples like health insurance and qualified retirement plan contributions have long been a vital part of attracting and retaining employees. In addition to the valuable coverage they provide, these...

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Smoke and carbon monoxide detectors are essential for any home, so you should ensure that your house is equipped with them. You should have detectors in the main living areas on each floor, including in every bedroom...

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At some point, everyone probably has hired, or considered hiring, an outside vendor for entertainment- whether it is a band, DJ or princess for a child’s birthday party. The internet has made finding such contractors...

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Amusement parks are some of the happiest places on Earth. They also are an insurance nightmare. At their core, amusement parks are just like any other businesses: They employ people and provide services-amusement-to...

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We want you to know that your independent insurance agent is here for you, just like always. We know that things are still challenging-and those challenges might still be coming. But, it’s important that you know you’re...

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No one likes to think about the possibility of a fire in their home, but this is one situation where it definitely pays to be prepared. This is especially true if you have children or pets in your home. Read on to learn...

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Insurance may seem boring to some- but we need it to protect our homes, cars, boats, property-and even our life and health. When we purchase insurance, we assume we’re protecting our livelihood from typical encounters-a...

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Did you know that your clothes dryer potentially could be a fire hazard to your home? It’s important to make sure that you aren’t accidentally putting your livelihood-including you, your family and your pets-at risk....

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In person and remotely, independent agents provide unique and personal experiences for insureds every day. It’s important to us that you know how important you are. We want to protect you and show you how your insurance...

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Marriage is a union of two individuals. It serves as an expression of love and devotion. However, marriage also is a legal contract that binds the individuals together under the law. Whether talking about love or the...

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There are certain things that you may purchase once and never think about again-pet rocks, parachute pants, Troll dolls and bedazzled anything. However, your insurance policies shouldn’t be something that you buy and...

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Solar panels can provide clean electricity for your home, helping you to save money on energy costs while also doing your part to help the environment. However, not all homes are suited to solar energy. Here's what you...

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The National Flood Insurance Program makes flood insurance available to homeowners. Mortgage lenders require many homeowners to purchase the flood coverage. Even if you are not required to purchase flood coverage, it...

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Annuities are investment products designed to offer the owner a steady income stream in the future. Some people buy an annuity when they receive a lump-sum payment from a legal settlement, an inheritance or an employer....

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Any time is great for grilling-but is your food safe to eat? Be sure to follow these tips this summer to ensure that you, your family and friends stay safe. Shopping for food When you buy groceries at the store, wait...

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If you plan to rent out your home, you should check that you have certainty of coverage to protect yourself and the property. Homeowners policies are not intended to cover business or commercial use of your home, which...

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When it comes to buying insurance, you have two primary options available to you: independent agents like us, and captive agents. While both can provide insurance services, these two types of insurance agents are not...

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More and more people these days are choosing to add dash cams to their vehicles, and for good reason. These small cameras can be highly useful to you, especially in the event that you get a traffic ticket or are...

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Summer is here and people are flocking to the water — whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger. According to the U.S. Centers for Disease Control and...

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In today’s digital world, slander and libel lawsuits are more common than you may think. Comments made in haste or anger on social media can have lasting and far-reaching effects on a person’s reputation or character,...

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Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can...

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Melting snow and spring rains mean that there can be a lot of water accumulating, which can cause flooding-even in areas that haven’t been prone to flood in the past. Remember, even if you live in a “1-in-a-500-years”...

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When times get hard, we won’t let you down. We realize that the COVID-19 pandemic has changed your day-to-day life drastically. We want you to know that not everything has changed. We are-and always will be-right here...

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Spring is a great reminder to review your insurance policies and consider adjusting them to your current needs. When you adjust your policies, you can trim costs and ensure that you are covered in the event of a claim....

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It’s important to invest in a home security system to protect yourself, your family, your pets and your valuables from an intruder. But, myriad homeowners do not own a home security system, and for various reasons. Here...

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Your children probably will need to get an auto policy in their name if a vehicle is titled in their name. You always want the owner as the named insured so that insurable interest is certain when a claim is made for...

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Sometimes a basic homeowners policy just isn’t enough. So as your career advances and your income increases, it’s important to keep your insurance protection up to date. This helps you avoid expensive gaps in coverage...

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Hawaii and Minnesota are just two of the states moving toward poison-free landscaping - from training on how to steam-kill weeds to legislation preventing the use of insecticides. Lawn-care professionals and landscapers...

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Accidents, claims, tickets and violations can all cause your insurance rates to rise. Whether an accident causes a rate increase really depends on the nature of the accident, the coverage you have, the insurer and the...

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As the United States population ages and retirement becomes a non-option for more and more of those in the workforce, age discrimination has become a real liability concern for every business. Twenty-three percent of...

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Without workers’ compensation coverage, the price of an employee injured on the job can be devastating to your business. Also, if your business is supposed to have coverage and doesn’t, the penalties can be severe....

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According to the United States Geological Survey (USGS), 42 states have some degree of earthquake risk - with 43 percent of those states having high or very high frequency of earthquakes. If your business is located in...

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Isn’t it funny how, as our homes get bigger and our families get smaller, our need for extra storage space grows? According to 2019 U.S. census data, the average number of people in an American household fell steadily...

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Shopping online. Visiting the doctor. Buying gas. In nearly all of the things we do from day to day, there’s the risk of identity theft. You could unknowingly give your information to a fraudster thinking you’re...

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When the weather gets warmer, laying mulch in your yard is often a priority. But as you get ready to conquer this task, a neighbour tells you she spread mulch on her property and struggled with a terrible carpenter ant...

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Ransomware is a kind of malicious software that blocks or restricts your access to your computer systems and data until you pay a fee to the attacker. If you refuse to pay or can’t find a way to fix the problem, your...

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Did you know that if you’re driving and engaging in a conversation on your mobile device, you are over four times more likely to be involved in an accident? Let’s take a look at what constitutes distracted driving, what...

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Balancing the demands of your home life and your work life – not to mention your personal needs – is an ongoing challenge for the majority of Americans. The good news is, it’s possible if you take very intentional...

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If you’re one of the millions of foreign nationals who visit the United States every year, you may want to be able to drive while you’re here. International students, foreign visitors and non-U.S. residents are all...

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If you have a homeowners policy, you probably expect it to cover all the costs of rebuilding your house in case it’s damaged or destroyed by a covered hazard. But are you certain you have enough coverage? Read about two...

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Did you know that if you’re driving and engaging in a conversation on your mobile device, you are over four times more likely to be involved in an accident? Let’s take a look at what constitutes distracted driving, what...

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It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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We realize that the COVID-19 pandemic has changed your business drastically. We want you to know that not everything has changed. We are and always will be right here for you to guide you when things get hard. Let’s...

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