Actual Cash Value Replacement Cost

The difference between actual cash value and replacement cost

Posted in General, Auto, Home

As an auto or home policyholder, many of us forgo reading the fine print when it comes to our policies. We rely on our independent agent to help us choose the right coverage based on our needs. However, as you meet with your agent, you may want to discuss what your current policy covers so you are not surprised if you file a claim.

Business Disaster Recovery Plan

Creating an effective business disaster recovery plan

Posted in Business

Businesses face risks every day – from software failure to Mother Nature. Any one of these risks could force a business to close up shop. It’s vital that all companies have a business disaster recovery plan that is effective.

car accident

What to do in a car accident

Posted in Auto

It’s early in the morning, you’re on your way to work and the unexpected happens. The car in front of you stops abruptly, causing you to slam into their bumper. Now what? The steps you take following a car accident are particularly important – for you and the others involved. It’s important to be educated on what to do after an accident, especially if it’s your first.

Homeowners’ Insurance 101

Homeowners’ Insurance 101

Posted in General, Home

A standard homeowners’ policy covers three areas: structure, belongings and liability. We break each of these down for you so you are better prepared when meeting with your independent agent.

Workers' Compensation

Top 5 things to know about Workers’ Compensation

Posted in Business

Most of us understand the basics of workers’ compensation: if an employee gets hurt on the job, they’re compensated for work they miss over and above any statutory waiting period and their medical bills will be covered. However, there’s a bit more to workers’ comp that both employers and employees need to know.

Home inventory list

Why you need a home inventory list

Posted in General, Home

In the event you experience a loss to your home, whether it be by fire, tornado, flood, burglary or other event, having a home inventory list can help ease your situation and provide peace of mind that any valuables lost will be replaced.