The 2025 Outlook for the Property & Casualty Insurance Marketplace
The past few years have been a time of dynamic change for the property & casualty (P&C) insurance industry. Whether you’re insuring your home, business, or personal assets, understanding the evolving landscape of this marketplace...
What to Know About Insuring Non-Owned Autos for Business Use
You don’t need a fleet of trucks or logo covered cars to have a need for business auto coverage. And if you’re a small business owner, employee that drives, or even an independent contractor, you’ve...
Understanding General Liability for Small Business Owners
Running a small business involves a plethora of responsibilities, from managing operations to ensuring customer/client satisfaction. However, one critical aspect that often gets overlooked is understanding and managing your risks. Along the way, you likely...
Understanding Insurance Captives and Their Business Benefits
Effective risk management strategies are crucial for maintaining a company’s financial health and stability. While traditional insurance models have been the go-to for businesses seeking to mitigate risks, an increasing number are turning to an...
Comprehensive vs. Collision Auto Coverage: What do These Policies Cover?
Despite what you might see on commercials, price isn’t the only difference in auto insurance policies. What they cover can be a big difference too. And while you probably know there can be differences in...
Understanding Ordinance and Law Coverage for Historic Buildings
Older and historic buildings are a piece of history. Often, they can be a significant part of a town’s culture. If you own an older or historic building – whether it’s a home or business...
Helping Prepare Your Home for Risks of the Fall Season
There are definitely fans of the Fall season out there. Football, holidays, and cool weather are on some people’s list of favorite things. In our region, the turning leaves, crisp weather, and seasonal décor make...
What is Total Insurable Value (TIV), and Why Should it Matter?
Have you ever heard the words “Total Insurable Value” (TIV) and wondered how that was different than what you were already insuring? You’re not alone, as it can be a little confusing. TIV (sometimes called...
Do Your Insurance Needs Change When You Move?
There are a lot of things to think about when you’re moving. Packing, cleaning, movers, vehicles, coordinating utilities, and more. Insurance is probably not one of the things at the top of your list. But...
Why Would Your Business Need Inland Marine Insurance?
The name “Inland Marine” is sort of a misnomer and doesn’t really give us a good idea of what this coverage may help protect. The term originated when businesses were moving cargo primarily by ships...