As a millennial, life insurance might not be at the top of your priority list. After all, you’re likely focusing on building your career, paying off student loans, or maybe even starting a family. However, purchasing life insurance while you’re young is one of the smartest financial decisions you can make. Here’s why: The Advantages of Buying Life Insurance Early Lower Premiums When you buy life insurance at a younger age, you lock in lower premiums. Insurance companies base their rates on a variety of factors, including age and health. Generally, the younger and healthier you are, the less ..read more

Today, we address a topic that impacts each and every one of us: the rising insurance rates. In recent times, there has been a significant uptick in insurance premiums across various sectors, leaving many consumers concerned about the reasons behind these increases. In this blog post, we shed light on two critical factors contributing to these higher rates: excessive awards by juries and the increase in crimes without adequate consequences. Excessive Awards by Juries: One of the key drivers of escalating insurance rates is the trend of juries awarding excessive amounts in legal cases. While t ..read more

In the complex world of insurance, getting the best coverage at the right price is a top priority for individuals and businesses alike. However, there’s a crucial step that many overlook when seeking insurance quotes: having your current policy declarations page handy. This document holds key information about your existing coverages and limits, and its absence during quote comparisons can lead to misunderstandings and potential risks. Let’s delve into why having your policy declarations page is essential for accurate insurance comparisons. Ensuring Apples-to-Apples Comparisons Your policy d ..read more

At Insurance Incorporated, we understand the significance of having a workers’ compensation agent who is not only well-versed in insurance policies but also equipped with comprehensive knowledge in claims management. In today’s blog post, we shed light on why having the right agent can make all the difference in reducing and maintaining your experience modification rate (mod), thereby impacting the amount you pay for workers’ compensation insurance. While some agents or payroll companies may offer you a quote, the absence of robust support and expertise in claims management can prove costly i ..read more

As a nonprofit organization, your mission likely revolves around making a positive impact on the community or advancing a particular cause. However, amidst the noble pursuit of your goals, it’s crucial not to overlook the protection of those steering the ship – your board of directors and officers. At Insurance Incorporated, we understand the unique challenges nonprofits face and the critical need for robust insurance coverage for your Non Profit. One essential component often overlooked by many nonprofits is Directors and Officers (D&O) Liability Insurance. Understanding the Risks Nonprof ..read more

At Insurance Incorporated, we understand the importance of protecting your business from unexpected risks. While property insurance is a fundamental component of safeguarding your assets, it’s crucial to recognize its limitations. One significant gap often overlooked is coverage for flood damage. Many business owners assume that their property insurance policy will cover all forms of damage, including floods. However, this is a common misconception. Standard property insurance typically excludes coverage for losses caused by floods, leaving your business vulnerable to significant financial lo ..read more

Builder’s risk insurance is a critical aspect of any construction project, providing protection against various risks that could jeopardize the successful completion of the project. While it might seem intuitive for the contractor to procure this insurance, it’s actually more advantageous for the property owner to take charge of this responsibility. In this blog, we’ll delve into why property owners should purchase the builder’s risk insurance policy and how it empowers them to effectively manage risks associated with construction projects. 1. Control and Ownership: One of the primary reasons ..read more

As a business owner, managing your workers’ compensation insurance can be a daunting task, both financially and operationally. That’s where Insurance Incorporated comes in, offering not only some of the lowest insurance rates but also an array of critical services, including claims management, OSHA compliance, Safety and Risk Management programs—all free of charge. In this blog post, we’ll explore how Insurance Incorporated can save you money, enhance your business’s safety and compliance, and help you avoid additional fees charged by payroll companies for HR and safety support. Discover the b ..read more

Workers’ compensation insurance is a crucial aspect of protecting both employees and businesses. It provides financial support to employees injured on the job, ensuring they receive medical care and wage replacement while protecting employers from potential lawsuits. One essential factor that affects the cost of workers’ compensation insurance is the Experience Modification Rate (Experience Mod). In this blog post, we’ll explore what a Workers Compensation Experience Mod is, how it works, and why it’s essential to have a commercial insurance agency like Insurance Incorporated to manage open wo ..read more

When it comes to protecting your family’s future with life insurance, making the right choice can be a game-changer. Insurance Incorporated believes in the value of personal relationships and dedicated service, which is why we recommend purchasing life insurance from an independent agent rather than a call center or website. In this blog post, we’ll discuss the unique advantages of working with an independent agent like us, the convenience of having a single point of contact for all your insurance needs, and why you should consider Insurance Incorporated for your life insurance. Call us today ..read more