Learn all there is to know about insurance.
As you likely know, there are two fault lines that run through Tennessee. The first is the New Madrid Fault, which runs approximately 120 miles south from Charleston, Missouri, and part of West Tennessee, near Reelfoot Lake, extending southeast into Dyersburg, Tennessee. The second is the East Tennessee fault line, which runs from Chattanooga through […]
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If you own a business, having something stolen from your company may be an unfortunate reality someday. But is there a difference in how it is covered based on how it is stolen? There may indeed be differences depending on your policy. Let’s review what you may find as you understand these coverages. Insurance for […]
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The property insurance marketplace remains in what is called a “hard market” as we progress through 2024. Factors including cost of materials, catastrophe losses, supply chain interruptions, and increased time and cost of labor have resulted in insurance companies reducing the amount of risks they want cover, restricting locations, and raising premiums. These impacts are […]
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You could probably guess that companies need to take steps to reduce their risks, including safety programs, cybersecurity, and more. But should you be taking risk management steps for yourself? Do you have ways you can lower your own risks and potentially reduce the chances you have a loss or an insurance claim? The answer […]
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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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