April 29, 2025
AgencyWhat Happens If a Contractor Works Without Insurance?
Working as a contractor can offer lucrative and rewarding benefits. However, whether you’re a general contractor overseeing larger projects or an independent professional providing specialized services, this sector consistently requires you to account for significant risks and exposures. The construction industry is among the most dangerous of all U.S. employers, meaning that failing to maintain […]
March 18, 2025
AgencyCost-effective Strategies to Minimize Roadside Emergencies
Roadside emergencies can be both stressful and costly. However, several cost-effective strategies can help minimize these risks. Two key approaches include performing preventative maintenance schedules and understanding the importance of auto insurance. Preventative Maintenance Schedules Regular preventative maintenance is one of the most effective ways to avoid roadside emergencies. This involves routine checks and servicing […]
February 24, 2025
AgencyHow Business Risks Impact Insurance
In the ever-changing business environment, new business risks can emerge frequently, driven by technological advancements, regulatory changes, economic fluctuations and evolving societal expectations. These risks can significantly impact insurance needs by influencing policy terms, premiums and coverage options. How Often Do New Business Risks Arise? New business risks can arise at any time, often without […]
January 3, 2025
AgencyHow to Avoid Winter Weather-related Homeowners Claims
Winter weather presents numerous challenges for homeowners, including heavy snowfall and freezing temperatures. These conditions can cause property damage or accidents, potentially leading to homeowners claims. Understanding common winter weather-related claims and how to prevent them can protect your home and minimize potential issues. Consider the following common winter weather-related claims: Frozen pipes—When temperatures drop, […]
December 10, 2024
AgencyDoes Your Auto Insurance Cover a Rental Car?
Even if you own your vehicle and maintain suitable auto insurance, there may be times when you choose or need to rent a different vehicle. Whether your car is in the shop, incapable of performing certain tasks or you need a rental for other reasons, you must be diligent in ensuring that you have appropriate […]
November 13, 2024
AgencyWhat is an Insurance Score and How Does It Impact Your Insurance Policies?
An insurance score, also known as a credit-based insurance score, is a numerical representation of a person’s credit history and financial behavior. Insurance companies use it to assess the risk associated with insuring an individual. This score comes from factors such as credit history, outstanding debt, length of credit history, and types of credit in […]
September 26, 2024
AgencyHow to Rightsize Your Insurance Budget
When it comes to business insurance, there is no one-size-fits-all solution. Deciding which coverage options are necessary for your operations comes down to a careful evaluation of both needs and budget. Various factors can influence your insurance budget decision-making. Lowest Premium Isn’t Always Best for Your Insurance Budget If you’re on a tight budget, you […]
August 29, 2024
firstpriorityinsIs Your Home Insurance Up to Date?
Home insurance is essential for safeguarding your property and belongings. However, some homeowners don’t realize the importance of regularly reviewing and updating their policies. Ensuring your home insurance is up to date can shield you from unforeseen financial hardship if disaster strikes. Assessing Your Coverage Needs The value of your home and its contents can […]
June 27, 2024
firstpriorityinsWhat Are the Differences Between Actual Cash Value and Replacement Cost Coverage in Home Insurance?
When it comes to home insurance, understanding the various options and components of coverage is crucial. One distinction of which to be aware is the difference between actual cash value coverage and replacement cost coverage. These terms refer to how much an insurance company may pay you if your property is damaged or destroyed. Given […]
April 16, 2024
AgencyWhen Is It Too Late to Get Life Insurance?
Life insurance is an essential financial tool, granting both assurance and stability to your family members should you no longer be present. However, many people wonder if there’s a point when it’s too late to get life insurance. While there are optimal times to purchase life insurance, it’s rarely ever too late to consider securing […]