June 2, 2025
AgencyHow Important Is Having a Witness If You Are Involved in an Auto Accident?
Being involved in an auto accident can be a stressful and confusing experience. In the aftermath, a credible witness is one of the most valuable assets you can have. For insurance purposes, a witness can be crucial in determining fault, validating your account of the incident and expediting the claims process. How Can a Witness […]
May 23, 2025
AgencyActual Cash Value vs. Replacement Cost
When it comes to homeowners insurance, understanding the difference between actual cash value (ACV) and replacement cost is crucial for making informed decisions about your coverage. Both terms describe how your insurer can compensate you after a loss, yet they function in distinct ways. Actual Cash Value ACV is the amount your insurer will pay […]
April 29, 2025
AgencyCommon Contractors Insurance Claims and How to Avoid Them
Contractors face various risks on job sites, often leading to various insurance claims that can disrupt business operations and lead to increased future rates. By understanding these common claims and taking proactive steps to mitigate risks, your business can operate more smoothly and avoid possible financial strain. Six Frequent Claims and Tips to Avoid Them […]
March 18, 2025
AgencyTop Business Risk for Specialty Trade Contractors
Specialty trade contractors face unique business risks that can significantly impact their operations and profitability. Understanding these risks and how insurance can mitigate them is crucial for maintaining a successful business. Business Risks for Contractors The following are common risks for specialty trade contractors: Documentation errors—Errors and omissions in contract documents are a leading cause […]
February 26, 2025
AgencyDoes Homeowners Insurance Cover Theft?
Understanding what your homeowners insurance covers is crucial. One common concern for homeowners is whether their insurance policy provides financial protection for losses stemming from theft. We will explore the details of theft coverage in a standard homeowners insurance policy, including what is typically covered, any limitations and additional coverage options. What Does Homeowners Insurance […]
August 19, 2024
AgencyWhy You Should Work With an Independent Insurance Agency
Sometimes, you might see advertisements for cheap auto insurance that offers fast, easy enrollment online without the hassle of talking to a pushy salesperson. This might sound like it’s a simple, practical way to get the auto insurance you need as efficiently as possible. However, is it really a wise step to take? Should you […]