Learn all there is to know about insurance.
If your business regularly uses autos for business needs, you likely have risks. Whether it’s a fleet of vehicles or just one, and whether it is vehicles you own, lease, or your employees own – having the right coverages for business-use autos is critical. Employer-Owned Vehicles If your business owns autos for business use, you […]
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As the weather warms up, more and more people are getting outdoors to enjoy nature. Maybe it’s boating on the water, taking an ATV off road, setting up camp in the woods, or getting projects done outside. And one thing all these might have in common is that trailers may be involved to move the […]
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Risk Management and Your Team’s Role in Lowering Risk Workers’ compensation rates have been steadily dropping for the last decade in Tennessee and other states. And while factors like market competition and legal system improvements are factors, one of the biggest impacts has come from a reduction in claims frequency and claims severity. How has […]
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Is Increasing Your Deductible a Good Idea? We’d all love to save more money, and insurance isn’t something people typically enjoy spending money to purchase. There are ways to decrease the cost of your insurance premiums, and one that is often mentioned is increasing the deductible of the policies. But is this a good idea? […]
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Over the last 18 months, the insurance market has been “hardening” up. A hard market in insurance means that insurance companies are increasing their premiums and reducing the amount of risks they cover. This has been especially apparent on property (i.e., homes, buildings, rentals, etc.) and auto risks. Catastrophic events are often the driver for […]
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The recent CrowdStrike outage that impacted Microsoft Windows users cost a reported $5 billion to Fortune 500 companies. But even if you aren’t a large company, you’re probably aware that cyber risks continue to increase for businesses, whether it be data breach, hacking, phishing, or otherwise compromising systems. Cyber Protection Whether it is the Windows […]
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Restaurants and bars have specific, and sometimes unique, risks to cover. One of those risks centers around alcohol sales and consumption on their premises. And while it may seem obvious, how much they sell is key. But how much is too much? The corresponding coverage for this risk is called Liquor Liability Insurance, and there […]
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A new year can often bring in changes in life. New jobs, new family additions, new businesses, personal changes – there are many things that can impact your planning for a new year. And although it may not be at the top of your list, how do these changes impact what – or whom – […]
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In case you haven’t noticed, the insurance market has changed significantly this year. Prices are up and the options for coverage are fewer. So, what does that mean for insuring your cabin or vacation rental property? It means you need to work with someone who understands what’s going on and how it impacts your specific […]
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Is it inflation? Is it a recession? Is it just weird? Our nation’s economy is definitely in flux right now. And while what exactly is happening might be debated, there is no debate that it is impacting everyday Americans. One of those impacts is in the cost of insurance. How and why? Let’s review the […]
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