In life, you’ve got to expect the unexpected-and that’s the whole reason insurance exists! From storm damage to a multi-car accident to a guest slipping and falling on your patio, insurance can come to your rescue. But...

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Temperatures are starting to dip. Have you taken steps to ensure that your HVAC system is in good health, and can keep you at a comfortable temperature no matter the season? If you haven't... it's not too late to start!...

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Smoke and carbon monoxide detectors are essential for any home, so you should ensure that your house is equipped with them. You should have detectors in the main living areas on each floor, including in every bedroom...

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How familiar are you with hazardous chemical safety practices? How many do you implement around the house? It may be a surprising question, but the fact is that the chemicals you have around the house-solvents, cleaners,...

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In 2019, more 36,000 people died in car crashes. Even one fatality is too many-especially when you consider how preventable car crash fatality really is. Defensive driving, using seatbelts, correct installation of...

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No one likes to think about the possibility of a fire in their home, but this is one situation where it definitely pays to be prepared. This is especially true if you have children or pets in your home. Read on to learn...

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In life, you’ve got to expect the unexpected-and that’s the whole reason insurance exists! From storm damage to a multi-car accident to a guest slipping and falling on your patio, insurance can come to your rescue. But...

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Your mortgage lender may have required you to obtain homeowners insurance-but it’s up to you to make sure you get the most out of your policy! The first step is understanding what exactly it covers-and what it doesn’t....

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Solar panels can provide clean electricity for your home, helping you to save money on energy costs while also doing your part to help the environment. However, not all homes are suited to solar energy. Here's what you...

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Fatal work injuries involving land transportation incidents make up more than a quarter of work-related deaths in 2019. In that year alone, 1270 U.S. workers died in work-related roadway incidents. Across the nation, 36,...

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Everyone in the industry knows it: construction is a risk-filled field to work in. Falls from height, transportation-related incidents, electrocution-heck, not every industry has a short list of the most fatal risks its...

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When it comes to buying insurance, you have two primary options available to you: independent agents like us, and captive agents. While both can provide insurance services, these two types of insurance agents are not...

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It’s every business-owner’s goal to hire qualified, enthusiastic people who are invested in the company’s success. And many business-owners pride themselves on the wonderful team they have gathered to help propel the...

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In 2019, 880 workers died in falls, and 244,000 were injured badly enough to require days off of work. A worker doesn't have fall from a high level to suffer fatal injuries; 146 workers were killed in falls on the same...

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More and more people these days are choosing to add dash cams to their vehicles, and for good reason. These small cameras can be highly useful to you, especially in the event that you get a traffic ticket or are...

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At its heart, a winery operation is about equipment-and not only the fermentation tanks and bottling lines. From farm equipment like tractors and grape pickers, to contractors’ equipment, to vehicles ranging from cars...

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It's not news that who you hire has a significant impact on the success of your brewery. But what may not have occurred to you is that who you hire can also impact the cost of your workers’ compensation insurance. While...

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Summer is here and people are flocking to the water — whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger. According to the U.S. Centers for Disease Control and...

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A remodel can be a great investment, adding value to your home. But that also means that the cost to replace your home, should it be destroyed, would be greater-and you’ll need to increase your homeowners insurance. On...

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From the warehouse and the inventory in it, to products shipping to their destination, to the employees who staff the workhouse and deliver the products, wholesalers and distributors have a unique business operation-and...

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In today’s digital world, slander and libel lawsuits are more common than you may think. Comments made in haste or anger on social media can have lasting and far-reaching effects on a person’s reputation or character,...

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No one-besides insurance agents-really likes to talk about insurance. It’s okay, we know it’s true! But we also know that insurance is absolutely vital to your success as a contractor... and we know you realize that as...

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Across the country, restaurants are attempting to resume normal operations-although the pace of that effort varies according to the state in which the restaurant is located. Your restaurant may have been serving dine-in...

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Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can...

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Whether you’re an independent web developer or IT consultant, or a telecom or programming company with hundreds of employees, it must be admitted: your technological expertise does not exempt you from technological...

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When it comes to health issues, liability is a huge concern. That’s why it’s so important for life sciences companies to have the right insurance coverage in place. What if a participant in a clinical trial of your drug...

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Sometimes a basic homeowners policy just isn’t enough. So as your career advances and your income increases, it’s important to keep your insurance protection up to date. This helps you avoid expensive gaps in coverage...

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Steel fabricators and other types of metal manufacturers rely on large, expensive equipment to get the job done-which makes the right insurance for that equipment absolutely vital. The right policy can help you recover...

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We live in a litigious society. What does that mean for your metal manufacturing business? It means, of course, that you need to take every precaution to prevent potential lawsuits. But it also means that you must have...

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Shopping online. Visiting the doctor. Buying gas. In nearly all of the things we do from day to day, there’s the risk of identity theft. You could unknowingly give your information to a fraudster thinking you’re...

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Workers’ compensation exists to protect workers. Most states require companies to cover employees with workers’ comp. In California, for instance, even a business with only one employee must carry workers’ comp. What is...

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In 2017, nearly 21 million pounds of beef, pork, poultry, and fish were recalled--a big hit to the manufacturers of those products. If your food manufacturing business were forced to recall a product because of spoilage...

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If you have a homeowners policy, you probably expect it to cover all the costs of rebuilding your house in case it’s damaged or destroyed by a covered hazard. But are you certain you have enough coverage? Read about two...

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We know, we know--insurance isn't your favorite subject of conversation. But the right insurance coverage is key to your long-term financial health--and the start of the new year is the perfect time to review your...

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It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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