Home Water Damage

Why home water damage happens and how to prevent it

Posted in Home

Find out how sewer backup, sump pump backup, water overflow and flood damage can all cause home water damage. Plus, learn the steps you can take to reduce the risk of water damage from appliances, bathroom plumbing and other places in the home.

Actual Cash Value Replacement Cost

Is it better to have actual cash value or replacement cost?

Posted in General, Auto, Home

Find out how actual cash value and replacement cost policies differ when it’s time to replace covered perils. If you have a preference, you can use this knowledge to work with your independent agent and find coverages that match.

A man in white hard hat uses a tablet to take infrared imaging of ceiling ducts inside a warehouse.

Feel prepared during an OSHA inspection

Posted in Business

You don’t have to be overwhelmed during an OSHA inspection. Learn about the different parts of an OSHA inspection and how to handle citations if you’re given a penalty. Plus, find out how our experienced risk control team can help you minimize risks.

A man in blue work coveralls kneels in a bathroom corner to install large white tiles on the wall.

General contractor liability insurance and other coverages

Posted in Business

General contractors need liability insurance to help cover costs when they are found liable for damage or harm. Learn about the ins and outs of general contractor liability insurance plus other business insurance coverages you should consider.

A large green tractor and other farming supplies sit in a large warehouse with an open garage door.

Business owner's guide to equipment breakdown coverage

Posted in Business

Equipment breakdown coverage is designed for business owners who rely on equipment for their products or services. Learn how to prevent equipment failure and put equipment breakdown coverage to good use when your gear fails. 

A man carries a young girl on his shoulders outside. They hold hands and smile at each other.

Do I need life insurance? What to consider at different life stages

Posted in Life

If you’ve ever asked yourself “Do I need life insurance?” there’s a good chance you can benefit from coverage no matter what life stage you’re at. Learn how to use life insurance to supplement your future finances and continue your legacy.