If you own and operate a vehicle, most states mandate having liability insurance, but did you know that about 30% of the drivers in Alabama do not have liability insurance?  It is estimated that in the U.S. about 14 percent of drivers are uninsured.  While those statistics are alarming, it won’t change the fact that [...]

If you are just starting a home-based business or contemplating that endeavor, you need to make sure your coverage is adequate and doesn’t have any holes that may jeopardize your financial stability, not to mention your business.  Working out of your home has many perks but it’s essential your home-based business is properly insured and [...]

As a homeowner, you want to make sure your home is protected adequately.  After all, this may be your biggest investment. However, some things aren’t what they seem when it comes to your home’s value especially with home values continuing to rise over the last few years. If you are a homeowner or planning to [...]

Warmer weather is on its way and that means a lot of different things to many people.  It may mean plans for outdoor gatherings, family cookouts, and yes, a vacation! Vacations take time to plan…where you will be staying, budgeting money, and planning the excursions, but what about the threat of identity theft?  Nobody likes [...]

Solar energy has become a topic of debate as the “up and coming” energy source.  What used to be an unconventional and pricey alternative energy source is now becoming more widely used and acknowledged by many homeowners and businesses.  In fact, solar energy is experiencing strong growth in the U.S. and with an increasing number [...]

The next time you get into your car, look around and you will see many distracted drivers doing everything from putting on makeup, texting on their cell phones, adjusting the radios/navigation, or turning their head around to look for something in the back seat. In fact, you may be guilty of doing this as well; [...]

Nobody likes to think about catastrophic accidents happening, but they do!  Within a split second, tragedy can strike, and you need to be prepared by having the right type of protection in place. Imagine having a pool party for your son’s graduation at your home.  Everyone is having a good time until the unthinkable happens… [...]

Going to dinner and having a few drinks at an establishment sounds enjoyable, but what about the person who drinks too much and then gets into their car and causes an auto accident? The insurance industry is well aware of the bar and restaurant risk exposures caused by one major contributing factor…alcohol. If you are [...]

Running a business requires commitment, time, and energy, but keeping your business operations intact requires all that, on top of having the right type of business insurance protection.  Day to day operations may seem to run smoothly, but what happens when they don’t, and your business operations come to a screeching halt?  If you have [...]

Auto accidents can happen at any time to anybody and typically, damages are present. If you have an accident, there are many factors to consider.  You obviously need to report the accident, document any/all damages, and obtain costs to repair/replace the damages to your car, but what about diminished value?  The repair costs are the [...]