Skip to content Accessibility info

The Russell Agency, LLC Blog

All You Ever Wanted to Know About Insurance

How Independent Agents Are Different from Captive Agents

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...

Read More


Benefits of Using a Dash Cam

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...

Read More


Swimming Safety: 10 Tips for Summer

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...

Read More


Why You May Need Personal Offense Coverage

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,...

Read More


Inexpensive Fixes for a Safer Home

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...

Read More


What you don’t know about floods may hurt you

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”...

Read More


We Won't Let You Down

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...

Read More


Spring cleaning your insurance policies

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....

Read More


Home security: Are you a believer?

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...

Read More


Children Getting Their Own Auto Insurance Policy

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...

Read More


Why a basic Homeowners policy isn’t always enough

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...

Read More


Industry Insights: Landscapers, Don’t Be a Buzz Kill

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...

Read More


How Accidents Impact Your Insurance Policy

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...

Read More


EPLI and Age Discrimination

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...

Read More


Do You Need New York State's Workers' Compensation Coverage?

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....

Read More


Does Your Business Need Earthquake Insurance?

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...

Read More


Are Your Contents in a Storage Unit Covered?

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...

Read More


10 Tips to Help Prevent Identity Theft

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...

Read More


Can You Mulch Your Landscaping and Avoid Insect Infestations?

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...

Read More


What is Ransomware and How Do You Prevent It From Harming Your Business?

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...

Read More


Distracted Driving: Don't Take the Risk

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...

Read More


How to Achieve Work-Life Balance

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...

Read More


Getting Auto Insurance With a Foreign Driver’s License

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...

Read More


Own a home? Here are two policy options you should know about

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...

Read More


Distracted Driving: Don't Take the Risk

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...

Read More


Porch Safety: Should You Leave the Lights On?

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...

Read More


We won’t let you down

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...

Read More