8 Reasons You Don’t Need a Public Insurance Adjuster

8 Reasons You Don’t Need a Public Insurance Adjuster  By Meg Stefanac-November 4,2022 Whether you are in a car accident or you have a house fire, receiving compensation for auto and property losses can be stressful. To be reimbursed by your insurance company, you have to submit a claim. This is the first step toward…

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Why are my Home and Auto Policy premiums increasing?

              Expect higher-than-normal home and auto premium increases in 2023 Historic inflation and other contributing trends have been driving up costs related to the repair and replacement of homes and vehicles – and these higher costs are forcing carriers to raise home and auto premiums. We want to make…

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Does my business need Terrorism Insurance?

What is Commercial Terrorism Coverage and do I need it for my Business? The Terrorism Risk Insurance Act, originally passed after 9/11, was renewed on January 8, 2015 for another six years, meaning that terrorism insurance will continue to be offered under very similar guidelines as it has been since 2002. Terrorism Insurance and TRIA…

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Everything You Need To Know About Insurance Proposals

Did you know that as an insurance agent, you are responsible for writing proposals? Most people don’t realize this, but it’s a very important part of the job. In fact, a well-written proposal can mean the difference between getting and losing a sale. It showcases your understanding of the client’s needs and helps you explain why…

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6 Reasons to Pay your Insurance on Time?

Never give a Easy Reason for an insurance carrier to drop you such as Non-Payment of Premium…Six Reasons Why?  Risk has Increased:  Your personal or business circumstances may have changed since you initially signed with this coverage and the risk has measurably increased.  Your request to the underwriter to reinstate coverage but the underwriter reviews…

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An Insurance Resolution for 2023

The Definition of a Resolution is a Firm Decision to Do or Not to Do Something.  During this time of the year, many people make New Year’s resolutions on how they can become more efficient in the New Year! For example losing weight, eating healthier, exercising more, paying off your debt or possibly starting your…

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Flood Insurance vs. Water Back-Up Coverage

The Difference Between Flood Insurance And Water Backup Coverage WATER DAMAGE VS FLOOD VS WATER BACKUP INSURANCE Picture this: you leave for vacation and, after a wonderful time with rest and relaxation, you bring your dirty laundry down to the basement only to discover you are knee-deep in standing water. Later, you discover that a frozen pipe burst and filled the basement.…

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Collecting the Correct Certificates of Insurance

What to Know About Certificates of Insurance A Certificates of insurance (COIs) is a document from an insurer to show you have a certain type of insurance.  This is also called a certificate of liability insurance or proof of insurance. With a COI, your clients can make sure you have the right insurance before they…

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Should I buy Rental Car Insurance? What You Need to Know!

You’re standing at the rental car counter at the airport when the agent looks at you and asks that age-old question: “Would you like the rental car insurance?” Sweat starts forming at your brow. Is rental car insurance worth it? Am I just throwing money away? Does my regular car insurance cover me? Can I phone…

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