Your favorite sports team does not start the season with a goal to lose games. Similarly, businesses should never have the mindset that near-misses and incidents (accidents/injuries) are just part of life and are to be expected. Winning a game and preventing incidents both have a lot in common: They both take effort and commitment,…
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…
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…
Are there any charities that have a special meaning to you, your family or your friends? Do you ever feel as though you would like to support an organization that makes an impact? Life insurance can be a great way to give back to these institutions to show your support. This charitable contribution can be…
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…
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…
Nothing can ruin your vacation quite like a flat tire. Instead of the epic vistas you planned to see, you’re forced to enjoy the shoulder of a dusty road. We know the feeling, and we want to help you get moving again. Road Trouble Service coverage may include the following services to help you…
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…
When determining your need for life insurance, you need to know which policy is right for you. It is important to understand the biggest differences between term and permanent life insurance when deciding which of these products will best provide you and your family with peace of mind. Term life insurance is a great way…
A business may consider its investments, properties and equipment as assets, but what about its employees – key employees in particular? A key employee is an individual who possesses certain skills or abilities that are crucial to the organization and its operations. If this individual were to pass away, the organization could incur a…