On Mother’s Day, we are all looking for the right gift to express how grateful we are and how much we owe to our mothers. While nice and sweet, the traditional flowers and chocolate are very general expressions of our gratitude for our mothers. Sometimes, a pragmatic and practical gift can surprise and delight. The gift of life insurance speaks to the protective instincts of a mother, so it can help alleviate their concerns for the well-being of those who depend on them. Protection for Expecting Mothers Life insurance can address the concerns of mothers expecting a new child. A life insurance ..read more

Employee theft is a major issue that many business owners must unfortunately confront, damaging employer-employee trust and creating an intolerable financial burden on operations. Taking proactive measures to prevent and address instances of theft is crucial to protecting the business community. On average, workplace theft results in a staggering $50 billion in losses each year. The Alarming Scope of Employee Theft The growing prevalence of employee theft is very concerning. Twenty-five percent of businesses have reported losses exceeding $1 million due to employee theft. Statistics also reve ..read more

Exciting Times Ahead Congratulations on your new home! Buying a new home is filled with fresh possibilities and the excitement of new beginnings. As you prepare to move into your home, it is important to ensure it is as stress-free as possible. Whether you’re moving across town or to a different state, taking these specific steps can make a big job less overwhelming. Assess Your Moving Needs Before starting the process, take some time to assess exactly what you will need to make the move, engage in an evaluation of the basics: Size of your household: Evaluate the belongings you need to move ..read more

Electrical dangers are serious business. From risk of shock to potential fires, you’ve got plenty of reasons to make sure your home’s electrical systems are in good shape and safe working order. Fortunately, in most houses, a simple walkthrough can help you identify and avoid the most common risks. (Having the right homeowners insurance can provide peace of mind, too.) Most fixes are simple and inexpensive, if not free. Take a few minutes and see for yourself whether any of your rooms require attention. Let’s start with… Outlets and switches Outdated or mis-wired outlets and switches are ..read more

We all hope to never need that policy, but do you know exactly what a homeowners policy covers? The answers may surprise you and even save you some money in areas you never realized! Homeowners policies offer a wide range of coverages, from your home itself and structures on your property to liability coverage, even to loss of income coverages. As always, coverage will vary from policy to policy and company to company, so it is important to read your policy carefully and consult your insurance agent. Let’s go over some of the most common coverages you’ll see with homeowners policies. Dwe ..read more

Are you like the majority of Americans who don't have life insurance1, but say that they know they need it? With the price of everything from home to college and grocery to daycare costs rising, it’s more important than ever to get life insurance to help protect your loved ones. According to the 2022 Insurance Barometer Study, from Life Happens and the financial and insurance organization LIMRA, 2 in 5 parents say they are barely or not at all financially secure. It’s crucial to be prepared with life insurance on your household breadwinner, as 44% of survey takers said they would feel fin ..read more

In times like these, we’re always looking for ways to save a little extra, right? This leads many of us to seek out what we can do to add some more discounts onto insurance policies and cut down on some recurring monthly expenses. While, in general, insurance companies do not offer a discount on auto policies for having a dashcam, there are some surprising perks to having one that could save you a lot of money! What is a Dashcam? So, what exactly is a dashcam and why would you want one? While often referred to as dashcams, their full name is dashboard camera. As the name suggests, these ..read more

Understanding different types of life insurance policies and their unique benefits will help you choose the right option for you and your family. Term life insurance provides coverage for a limited amount of time and/or amount of benefit. Term insurance has no cash value. In contrast, whole life insurance1 is coverage that is in place your entire life, and it offers unique benefits, including the ability to accumulate cash value, which can be used to your advantage in a variety of financial scenarios.2 Let’s look at the features of cash value whole life policies, explore loan option ..read more

Running a business comes with many risks, from property damage to legal liabilities. While some business owners may see insurance as an unnecessary expense, the cost of failing to have adequate coverage can far outweigh the premiums paid. It is essential to understand the potential consequences of operating without business insurance. Financial Losses from Property Damage Property damage can occur unexpectedly due to natural disasters, accidents, or vandalism. Without insurance coverage, the financial burden of repairing or replacing damaged property falls entirely on the business owner. Cons ..read more

A hailstorm just blew in through your neighborhood. Suddenly, there are people at your door telling you they can repair your home’s damage quickly and easily. What would you do? While some hail damage may be obvious, you can’t always trust that someone showing up to your door has your best interests in mind. If you’ve recently battled a hailstorm, here is what you need to know about hail, roof damage, homeowners insurance and common scams. What should I do after a hailstorm? The size and density of a hailstone will determine the severity of damage you’ll find after a storm. While som ..read more