D&O Insurance. Does Homeowners Insurance Cover me?

You may be asked at some point to serve on a board for an organization.  Most commonly, non-profit organizations have a purpose of fund-raising for their operations or some charitable cause.  Does your personal or even business insurance coverage protect you as a board member? Short answer is no.  Boards should have Directors and Officers (D&O) insurance and they can secure that on their own... Read Article

The Cost of Automobile Repair in 2017 and the Impact on Rates

As the economy has improved, people have purchased more new vehicles at a record pace. These new vehicles are more often equipped with new safety features that have NOT helped bring down accident rates. But, these new safety features sure are costly to repair after there is an accident. These safety features will also work to drive up the cost of automobile insurance. Check out... Read Article

Roadside, Towing, and Your Insurance Company

Roadside service or towing…whatever you want to call it, will likely not make you happy in event of a breakdown on the side of the road with your automobile.  Automobile insurance policies typically have a nominal benefit that is really designed to get you off the road and towed to a nearby repair shop.  And if that repair shop is less than 15 miles away... Read Article

Distracted Driving is the Leading Cause of Accidents Nationally

The leading cause of automobile accidents in the United States is now distracted driving.  It accounts for 80% of traffic related accidents and 65% of near-collisions.  This comes before drunk driving, speeding, reckless driving, and weather according to the National Highway Traffic Safety Administration. Unfortunately, this uptick in frequency combined with more drivers on the roads, drivers doing more miles annually per year (largely due to... Read Article

Thief-Season is Upon Us! Protect Your Home!!!

Warmer weather is here and that means “thief-season” is back too. We’re already seeing clients with theft losses at their homes while they’re at work or away on the weekend. Quick tips for you…all of these suggestions are related to actual claims we’ve seen at the agency. * Establish relationships with neighbors so that each of you can watch for any activity that does not... Read Article