Life Options for Seniors

What type of insurance policy will you need as a senior citizen after the mortgage is paid off, bills are minimal and your life insurance policy remained with your employer after you retired? Would you need a term life insurance product, or would it be more prudent to get a whole life policy to cover…

A Good Investment for Their Future

Purchasing life insurance for children has many advantages, and is important in protecting their insurability at a young age. Children’s life insurance is a guarantee of insurability for the child’s ability to purchase life insurance in the future.  Key factors to consider are children’s health, hobbies and habits. Protecting against the unforeseen childhood diseases that…

Developing Safe Drivers

Do your business operations include employees who drive? If so, their daily job includes sharing the road with other drivers; many of whom are pairing driving with another activity such as texting, eating and drinking, or adjusting the stereo, entertainment or navigation system.    According to the National Highway Traffic Safety Administration, 80% of accidents…

Car Rental Coverage

We frequently gets calls from customers wondering if their rental vehicle is covered by their auto insurance policy while on vacation.   If you have a personal auto policy, it has specific coverage provisions that address whether an accident in a rental vehicle is covered. Let’s look at a common example:   You take a…

Business Emergency Action Plans

Emergency action plans aren’t just for schools and families. If you’re a business owner, it’s just as important for your business and employees to be prepared for a crisis.   While nobody wants to be affected by an emergency or disaster, the reality is one can strike anyone, anywhere and at any time. The key…

Equipment Maintenance

We’ve all heard the saying, “An apple a day keeps the doctor away,” but did you know that preventive maintenance and routine checkups are necessary to keep your contractors’ equipment healthy, too? When developing a maintenance program, the best tool to reference is the owner’s manual for each piece of equipment. The owner’s manual generally…