Home Office Desk by Ken Tomita The rise of home-based businesses has been one of the most significant shifts in the modern work landscape. While operating a business from home offers convenience and flexibility, it also necessitates careful consideration of insurance needs. Traditional home insurance policies often fall short of covering the unique risks associated with running a business from home. Here are some critical insurance considerations every home-based business owner should evaluate. The Crucial Role of Liability Coverage One of the main concerns for any business, including those ba ..read more

Boat insurance claims statistics can provide valuable insights into the types of incidents that commonly occur on the water and the importance of having comprehensive coverage. Here are some key boat insurance claims statistics:   Collisions with Other Boats or Objects: According to the BoatUS 2020 Marine Insurance Claim Study, collisions with other boats or objects accounted for 26% of all boat insurance claims. These incidents can result in significant damage to the vessel and injuries to passengers. Grounding: Grounding, or running aground, was the second most common cause of boat i ..read more

RVing is becoming one of the most popular ways to travel. A successful and safe RV trip takes preparation and planning to make it a good experience. Whether you are new to RVing or not, these tips can help ensure that your trip will be a smooth experience.  As your insurance agent, we urge you to follow and read through these tips for insurance coverage, adapting to weather conditions, and driving your RV.   Learn How to Drive the RV You Plan to Use If you are vacationing in an RV for the first time, practice driving first. If you don’t own your RV, then rent an ..read more

Sheet pan dinners are a lifesaver for busy individuals and families. They offer a convenient way to prepare a wholesome meal with minimal effort and cleanup. All you need is a sheet pan, some ingredients, and an oven. In this article, we've curated a list of 10 delicious and easy sheet pan dinner recipes that will make your weeknight cooking a breeze. Sheet Pan Lemon Garlic Shrimp and Asparagus This light and zesty dish combines succulent shrimp and tender asparagus with a tangy lemon and garlic marinade. It's a perfect choice for a quick and healthy dinner. Get the Recipe Sheet Pan Chic ..read more

Spring is just around the corner, and with it comes the promise of fresh beginnings and renewed energy. As we bid farewell to winter's cold, cozy days, it's the perfect time to rejuvenate our homes in preparation for the brighter days ahead. Here are five essential tips to help you get your home spring-ready, ensuring it's as vibrant and welcoming as the season itself. Embrace a Spring Clean Spring cleaning is more than a tradition; it's an opportunity to declutter and deep clean your home, creating a fresh and inviting space. Start by decluttering each room, donating or selling items you no ..read more

Worker Using an Angle Grinder by Anamul Rezwan Business owners have multiple types of insurance to protect them from a variety of financial and legal risks. They should also protect their employees with workers’ comp insurance. Here’s what you need to know about this type of insurance coverage. What Is Workers’ Comp? “Workers’ comp” is short for “workers’ compensation” and can help pay for medical care and other expenses if one of your employees becomes sick or is hurt on the job from hazards like exposure to chemicals or a fall. It can also cover injuries from repetitive use that develop over ..read more

As the days grow longer, the arrival of spring brings with it a sense of renewal and freshness. It's the perfect time to shake off the winter dust and give your home a thorough cleaning. But beyond the usual suspects like windows and floors, there are several often-overlooked items that can benefit from a good scrub. Here's a list of the top 10 things you should clean around your home this spring to ensure a healthier, happier living space. 1.    Ceiling Fans and Light Fixtures: Over the colder months, ceiling fans and light fixtures accumulate a surprising amount of dust. Use ..read more

Water can be a great source of fun and relaxation, but it can also be dangerous if you don't take proper precautions. Whether swimming in a pool, lake, or ocean, it's important to be aware of potential hazards and to take steps to stay safe. Here are some tips for water safety that you should keep in mind. 1. Learn to Swim The first and most important step to staying safe in the water is to learn to swim. Everyone should learn to swim, regardless of age or ability. If you need to learn how to swim, enroll in a swim class to learn the basics. Even if you're already a strong swimmer, it's a goo ..read more

Your air conditioning (AC) system is a vital component of your home, especially during hot summer months. To ensure it operates efficiently and lasts longer, proper maintenance and safeguarding are essential. Here are some valuable tips to protect your AC: Regular Cleaning: Dust and debris can accumulate on your AC unit's condenser coils, reducing its efficiency. Periodically clean the coils using a hose or a soft brush to remove dirt and debris. Trim Vegetation: Ensure that plants, bushes, or trees near your AC unit are trimmed and kept at a safe distance. Overgrown vegetation can obstruc ..read more

As the frost melts away and the first buds of spring start to bloom, it's time to shake off the winter blues and refresh our homes in harmony with the season. Spring not only symbolizes new beginnings in nature but also presents the perfect opportunity to rejuvenate our living spaces. Here are the top 10 home tips to embrace the vitality of spring and ensure your home is as welcoming and vibrant as the season itself. 1. Deep Clean Your Home Start with a thorough, deep clean. Open the windows to let in the fresh air and tackle every corner, from dusting off surfaces and washing windows to deep ..read more