Terminology Tuesday – What is Replacement Cost?

Last week we talked about Actual Cash Value, so this week it is only fitting that we talk about the flipside, which is Replacement Cost. Replacement cost is pretty much what it sounds like – the cost to replace your building, house, vehicle, personal property, etc. if it is completely destroyed. How is the replacement … Read more

Trucking Insurance Coverage – What Exactly do You Need?

So you’ve decided to start your own trucking company. What now? What insurance coverages do you need? If you have a good independent insurance agency on hand, like us, you can call your agent to get these recommendations, but if you do not, here is a list of what we usually recommend to our clients. … Read more

How To Get Discounts on Commercial Insurance

There are various ways to get discounts or credits on your commercial insurance policies if you know what to ask and what to do! Below is a list of some of the different discounts offered by the commercial insurance companies we work with. Install telematics devices on your vehicles. Being able to track your drivers’ … Read more

How to Be on Vacation when You’re on Vacation

Everyone needs a vacation sometimes, and when you are on vacation, you want to make sure you treasure every moment (especially in the uncertain times we live in). Here are a few tips to make sure you get the most out of every second of your time away. Be present. Try as much as possible … Read more

What to Do When You Have a Claim

Oh no! The worst has happened, and you had a loss! Now what? First, make sure everyone is okay and call whatever authorities need to be involved. Next, call your insurance agent! Your agent will be able to walk you through all the steps to make this unfortunate time as easy as possible. First, they … Read more

Why You Might Be Considering Firing Your Agent and What’s Happening Behind Closed Doors!

For decades Insurance Agents were synonymous with good financial planning. Your parents’ parents told them who to see for life insurance, auto insurance, home insurance, health insurance, or any other insurance product you can drum up for purposes of this article insert it where it fits. It was like a never-ending flow of people and … Read more

Why You Need To Be Selfish When Planning Insurance

So this topic has been on my mind a lot lately as I continue to get people through the door cutting corners on their insurance program and for me its just a very frustrating thing to see as an agent but even more so as a consumer of insurance myself. When people cut corners in … Read more

Why It’s Important to Find the Right Risk Class Codes

I wish I could say that it doesn’t happen every day but ‘It happens every day’ that we are asked to quote risks that have been (for years) incorrectly rated. As an agent, I can’t help but think to myself when I see such things that the licensing exam for agents is just too easy … Read more

Nevada Homestead Act: How Protected Are You?

Often times when first meeting clients and going through and establishing what their current risk management looks like we find that many people do not have Nevada Homestead on their primary home. While this isn’t necessarily a horrible thing, it is inexpensive to protect yourself utilizing this act with a simple declaration form. The Homestead … Read more