October 27, 2025
AgencyDoes Commercial Property Insurance Cover Accidents in Your Business Parking Lot?
Commercial property insurance is designed to protect the physical assets of your business, such as your building, equipment, inventory, and sometimes outdoor fixtures. This coverage generally applies to losses caused by events like fire, theft, vandalism, or specific weather-related incidents. For example, if a storm damages your parking lot’s lighting or signage, your policy may […]
August 11, 2025
AgencyThe Importance of Cyber Insurance for Small Businesses
In an increasingly digital world, cyber threats are a growing concern for businesses of all sizes. For small businesses, the impact of a cyberattack may be especially disruptive, potentially affecting operations, customer trust, and financial stability. While cybersecurity tools can help reduce risk, cyber insurance can offer financial protection when incidents occur. Why Cyber Insurance […]
July 16, 2025
AgencyWhat Does Personal Umbrella Coverage Cover?
Personal umbrella insurance may provide financial coverage when your existing home or auto policy isn’t enough to pay a claim. It may help you handle unexpected situations that lead to costly claims, lawsuits or damages. What is Personal Umbrella Insurance and What Does It Cover? A personal umbrella policy may extend liability coverage beyond your […]
June 24, 2025
AgencyWhat to Do If You’re Sued After a Car Accident
Getting into a car accident is stressful enough—but being sued afterward can feel overwhelming. Whether or not you believe you were at fault, receiving a lawsuit can trigger a wave of uncertainty and concern about your financial future. Fortunately, auto insurance is designed to help protect you in these situations. Understanding how the legal process […]
May 28, 2025
AgencyIs My Home Insured to Value? How to Check
When disaster strikes, the last thing you want to discover is that your home is underinsured. “Insured to value” means your homeowner’s insurance policy covers the full cost to rebuild your home at current construction prices. But many homeowners don’t realize their coverage may fall short. is here to help individuals and families in the […]
April 25, 2025
AgencyWhat to Do After a Home Insurance Claim Denial
You rely on your home insurance to provide financial security in the face of potential incidents and fiscal relief in their aftermath. However, there may unfortunately come times when your insurance carrier declines to cover losses for which you expected to be compensated. This can be a frustrating and stressful situation, and knowing how to […]
March 18, 2025
AgencyWorst Commercial Property Related Risks for Small Businesses
What’s the Worst Commercial Property Related Risk Your Small Business Could Face? Running a small business in comes with many challenges, but few are as potentially devastating as commercial property risks. From natural disasters to vandalism, the threats to your business’s physical location can result in costly damages, operational downtime and financial hardship. But what’s […]
December 17, 2024
AgencyWhat Gifts Should You Insure?
The holiday season is a time of joy and generosity, often marked by exchanging thoughtful and sometimes extravagant gifts. But while giving and receiving gifts can be exciting, it’s essential to consider the financial protection of these valuable items. Due to their high value or susceptibility to damage or loss, certain gifts may benefit from […]
October 28, 2024
AgencyIs Lost or Stolen Jewelry Covered by Homeowners Insurance?
When it comes to the precious jewelry you own, understanding whether it’s covered by your homeowners insurance in the event of loss or theft is crucial. Many homeowners policies offer some level of protection for personal belongings, including jewelry, but the coverage limits and conditions can vary significantly. Let this guide help you navigate the […]
August 22, 2024
AgencyWhat Does Flood Insurance Cover?
Understanding the importance of flood insurance is crucial for homeowners and property owners. Floods can wreak havoc on lives, homes and communities, causing substantial damage and financial strain. Whether you live in a high-risk flood zone or an area that rarely experiences floods, being informed about flood insurance can help you make educated decisions to […]