The price of an insurance policy isn’t the only number that matters. The deductible determines how much a policyholder may need to pay toward a covered loss before insurance responds, making it an important part of evaluating overall protection. Deductibles Aren’t Always Flat Amounts Some policies use fixed-dollar deductibles, while…
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Identity Theft: Does Your Insurance Offer Protection?
Identity theft can create more than financial frustration. Recovering compromised accounts, correcting records, and restoring your identity can require significant time and resources. Some homeowners and renters policies may offer identity theft protection or optional coverage designed to assist with the recovery process. What Identity Theft Coverage May Include Depending…
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Premises Liability: Is Your Business Ready for an Unexpected Accident?
Customers, vendors, and other visitors enter businesses every day, and business owners have a responsibility to maintain a reasonably safe environment. Even a seemingly minor accident can lead to medical expenses, legal costs, and liability concerns. Everyday Hazards Matter Wet floors, uneven walkways, poor lighting, loose cords, and other common…
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Insurance & Inflation: Why the Value of What You Own Still Matters
Inflation affects more than the price of everyday goods. Rising costs for construction, labor, vehicle parts, equipment, and personal property can also change the amount required to repair or replace insured assets after a loss. Replacement Costs Change The amount it cost to rebuild a home, replace business equipment, or…
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Key Person Insurance: Could Your Business Continue Without a Critical Team Member?
Behind every successful business are people whose experience, relationships, and leadership help keep operations moving. For many companies, the unexpected loss of an owner, executive, or critical employee could create both an operational and financial challenge. Identifying Key People A key person isn’t necessarily just the business owner. It may…
