July 6, 2018

Understanding Medicare Diagram


Medicare can often be a confusing thing, especially if you are still in the workforce. Below is an easy to follow diagram for understanding Medicare.

June 29, 2018

5 Insurance Coverages Breweries Should Consider


Craft beverages have become a growing trend, not only here in our town, but across the U.S.  According to the Brewers Association, overall beer sales were down 1% in 2017.  However, craft brewer sales continue to grow at a rate of 5% by volume. Craft production has grown the most in microbreweries. Due to the large growth in craft beverages, many insurance companies have specially designed programs for breweries. Here are five insurance coverages breweries should look for in an insurance policy: Product contamination – provides coverage if beverage product becomes contaminated while on your premises or comes into contact … Continue reading

June 26, 2018

Pre-Employment Screening Program


Motor carrier companies have many tools at their disposal in screening driver applicants. Motor carriers mostly run MVRs (Motor Vehicle Record) checks on potential applicants as part of their hiring process. However, there is another report that motor carriers run on applicants that is not as well-known as the MVRs. It is called the Pre-Employment Screen Program Report, or PSP. The PSP, according to the Federal Motor Carrier Safety Administration, is a federally maintained program that allows motor carriers, drivers, and other industry service providers to access commercial drivers’ safety records. You may be thinking wouldn’t a drivers MVR show … Continue reading

June 21, 2018

Grill Safety Tips


The summer months are upon us, and that brings sunshine, days at the beach, and barbecues with friends and family.  Being someone who loves anything that includes food, barbecuing is one of my favorite things about summer. Nothing beats sitting out on your back patio, grilling some hot dogs or hamburgers. There are a few things to keep in mind as you immerse yourself in the season to ensure you are grilling safely. Place your grill at least 10 feet away from your house. Keep children and pets away from the grill. Clean your grill regularly. Never leave your grill … Continue reading

June 19, 2018

Insurance Terms to Know


Insurance can be a scary world to someone who’s not familiar with it, and especially scary to someone who’s not familiar with the different language that goes along with insurance!  I’ve compiled a short guide of some commonly used insurance terms to help you navigate the world of insurance. Binder – a temporary proof of insurance that is effective for 30 days from the effective date. An official insurance policy will follow in its place. EPLI – Employment Practices Liability Insurance, covers an employer who has a claim made by an employee alleging discrimination, wrongful termination, harassment, and other employment-related … Continue reading

June 15, 2018

Vacation Time Tips


Whether you are renting a car, flying, or camping, there are some vacation time tips I would like to share with you. If you are renting a car, always take a photo with your smart phone of all four sides of the car when picking up and returning it.  This way, you have dated documentation that you returned the vehicle in the same condition as it was when you picked it up.  I even take a photo of the full gas gauge just because. Certain memberships give you automatic upgrades, so look into that as well. Always check with your … Continue reading

June 11, 2018

Who is at Fault for a Fallen Tree?


This is an issue that tends to cause a lot of confusion and frustration for many people. If a neighbor’s tree falls on your property, whether it be your home or business, who should have to pay?  Naturally, most people feel that it isn’t their fault, or their tree, so why should their insurance have to pay for the damage?  In most cases it isn’t really anyone’s fault.  The most common reasons trees fall are from storms, which is an act of Mother Nature. There are cases where your neighbor could be liable if their tree damages your property. For … Continue reading

June 5, 2018

Skin Cancer Detection and Prevention Month


May was Skin Cancer Detection and Prevention Month. Skin cancer is the most common cancer in the United States, and according to the American Cancer Society, “more skin cancers are diagnosed in the US each year than all other cancers combined.”  This is a scary thing to think about. There are many situations that can put individuals at risk for skin cancer, including exposure to the sun and tanning beds. Protecting yourself and detecting it early is easier than most would think. Some easy steps to follow when you are going to be exposed to the sun are: Sunscreen is … Continue reading

May 14, 2018

Latest in Fire Safety


Technology continues to advance in so many ways and this also includes technology for fire safety. Some of the new fire alarms have some really cool features. There are “smart alarms” that will send a notification to your phone if the alarm goes off and can tell you if it is a smoke alarm or carbon monoxide, and also the location of the fire. For example, the alarm will tell you “there is smoke in the kitchen” and when one speaks they all speak, so if you are in a different room you will know there’s smoke in the kitchen. … Continue reading

May 4, 2018

Home Insurance & Preventing Losses in the Spring


With spring finally here, it’s a great time for home and car owners to review their insurance policies to be sure that they are covered against the types of damage that come with the change in weather. During the spring, floods and the resulting water damage can be caused by the combination of snow melt and heavy rains that come with this time of year. If you’re not prepared, water damage can do permanent structural damage to your home. According to online notes, 30,000 – 40,000 incidents happen each year involving water damage in basements significant enough to warrant an … Continue reading

National healthcare open enrollment ended December 15th. Only qualifying life events allow coverage post the open enrollment period. To see if you qualify, please contact us at 906.228.7500.

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