Terminology Tuesday – What is a Deductible?

Everybody has heard the term deductible, but what does it really mean? How does it affect your policy and you, personally? A deductible is defined by the Oxford English Dictionary as “a specified amount of money that the insured must pay before an insurance company will pay a claim.” Easy enough to understand, but what … Read more

Cyber Security Insurance

What exactly is cyber insurance? Why do you need it? What does it cover? These are just a few of the topics I would like to go over today. A quick overview of cyber insurance is that it covers technological breaches and other types of cyberattacks on your computer system(s). It may not be able … Read more

What If Jurassic Park was Real?

My family and I like to have off-the-wall discussions, and this particular topic was one I thought could be a fun blog post for you guys. What if Jurassic Park was real? How would their insurance react to the events of the movie? What types of claims would be filed? Would any of them be … Read more

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

Food Friday – Chocolate Chip Cookies

Everyone needs a solid chocolate chip cookie recipe in their repertoire and this one from Land O Lakes® is my go-to for an easy and tasty cookie! Many of our clients love to bring us gifts and goodies throughout the year and we truly appreciate you guys keeping us stocked up, but here’s a quick … Read more