October 26, 2017

Trailer Safety


Nervous about towing a trailer? With the right equipment and some practice, towing can be almost as easy as regular driving! No matter how comfortable you are with towing a trailer safety should always be a high priority. Here are some safety tips for towing a trailer: Safely connect the trailer to your vehicle. Use the locking mechanism and be sure the lock pin is in place. The lock pin is a small, often overlooked component that has the most important job in the hitch. A trailer connection to a vehicle should also have two chains, crisscrossing in an X-shape, … Continue reading

August 11, 2017

Effectively Filing a Claim


Insurance is there to protect you in the event of a loss, and help alleviate the financial burden.  In the event of a property claim, you want to quickly restore your property and move forward with life. Below are some important tips to navigate filing a claim: Know what you have insured: It’s best to be proactive and keep a list of your personal property. In the event of a total loss, it’s hard to recall everything you own. An easy way to keep track is to take photos or videos of each room. Be sure to keep these documents … Continue reading

May 16, 2017

Small Business Insurance


A small business often comes with big risk; ask any business owner around. Even before the first employee is hired, you better be sure you’re covered. Fortunately, business owners have access to a variety of insurance coverages to protect their newest venture.  Here are several types of insurance a small business should consider: Commercial General Liability: No one likes a lawsuit! Liability insurance will pay for damages for which you are found liable. In the event someone claims your business has caused them harm as a result of a hazardous environment, defective product, an error in a service or disregard … Continue reading

May 8, 2017

Pedestrian Safety


As that warmer days approach (I promise, they’re approaching), the streets will be bustling with pedestrians. According to the National Highway Traffic Safety Administration, in 2015 there were 5,376 pedestrians and 818 bicyclists that were killed in crashes with motor vehicles. Whether you’re on a bicycle or going for a run, there are a few safety precautions you should take as a pedestrian. Make sure you’re visible to drivers. Wearing bright colors, reflective clothing, or flashing lights will increase your visibility and signal drivers to slow down. This is especially important around dusk and after dark. Know where you belong. … Continue reading

May 9, 2016

Actual Cash Value vs. Replacement Cost


When purchasing an insurance policy, you are often given the choice of insuring your property at actual cash value (ACV) or replacement cost (RC).  This decision determines the amount of your check at the time of a loss. Replacement Cost is the amount it would cost to replace your item with the exact same item or a similar one, after a loss. This allows you to buy the item again at the time of the claim, as new. Actual Cash Value is what you would pay for a similar item at today’s cost (replacement cost) minus depreciation. Let’s put this … Continue reading

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