Spring is upon us and I am ready for the trees to bloom, grass to turn green, birds to chip and flowers to bloom. However, spring doesn’t always turn up flowers.  Sometimes, spring brings with it some severe rainstorms, and other perils such as lightning, hail, and wind that can cause damage to your home.  [...]

Accidents in the workplace happen all too often.  In fact, over 2.9 million injuries happen at work each year and as a business owner, you have to take precautionary measures to minimize the risks of injury.  Making sure your employees are working in a safe environment is a priority; however, injuries and accidents can and [...]

Winter months can bring severe cold, snow and ice storms, and ultimately poor driving conditions that can cause auto accidents.  With an increase in auto claims should come an awareness of how to minimize the risks of auto accidents in the winter months and promote safety on the roadways as much as possible.  Now is [...]

Fleet management is a multi-faceted and taxing responsibility that requires business owners to stay on top of their fleet vehicles.  Whether it is a larger business utilizing many large trucks or a small business that has just a few vehicles, the tasks at hand are to minimize cost expenditures, optimize efficiency, increase productivity, and stay [...]

It is that time again.  The beginning of a new year means taking time to reflect on the past year and making resolutions to improve your life for the coming year.  Self-reflection is a great way to stay grounded and improve various aspects of your life, but beware. Each and every person vowing to make [...]

When you get your homeowners insurance premium bill, you may not think too much about how your particular rate was established, but maybe you should.  Insurance rates are not randomly assigned an amount, but instead involve some well thought considerations when calculating each and every homeowners insurance rate.  If you are contemplating on becoming a [...]

Covid-19 has certainly changed the world by which we know it.  Staying inside more, being quarantined and under lock downs can eventually make you tired.  In fact, quarantine fatigue has become a real thing and if you are feeling it, you aren’t alone.  As a business owner, you can’t afford to let quarantine fatigue negatively [...]

If you are in the business of renting properties or fixing up a property with an intent to rent, you need to take a look at some important insurance considerations, conditions, and policy exclusions in an effort to safeguard your property and assets.  As a landlord, you usually advise your tenants to purchase renters insurance, [...]

This time of the year you will probably see an abundance of deer roaming along roadways and wooded areas, especially during dawn and dusk.  This time of year also means you need to drive defensively in an effort to avoid deer and other road hazards, such as ice, snow, or even distracted drivers.  With an [...]

If you’ve never heard of “specialty insurance”, you aren’t alone.  Sure, you have heard of homeowners, business, auto, and renters’ insurance, but specialty seems so “special” that you may assume you don’t need it.  However, you may be surprised to learn the definition of specialty insurance and why you may need it.  Think about it [...]