Insights & Advice

Your Insurance FAQ

Welcome to the GTW Insurance Blog! Here, we share expert advice, industry updates, and practical tips to help you navigate the world of insurance with confidence. Whether you're a homeowner, business owner, or looking to secure your next adventure, our blog covers topics that matter to you. Stay informed, make smart decisions, and explore how insurance can provide peace of mind for every stage of life.

April's Reminder: Stay Focused, Drive Safe

Understanding the Dangers of Distracted DrivingTake a moment to imagine driving down a highway at 55 mph. Now, imagine doing that while blindfolded for the length of an entire football field. Scary...

Umbrella Insurance: Protection Beyond Rainy Days

Celebrating National Umbrella Month: More Than Just Weather ProtectionMarch marks the celebration of National Umbrella Month, a time to acknowledge the emblem of protection that umbrellas represent...

Life Insurance Benefits: Start Young for Lasting Security

Younger Generations and Life Insurance OverlookedLife insurance is a crucial facet of financial planning that many young individuals tend to overlook. A prevalent belief among Millennials and Gen Z...

The Advantages of Term Life Insurance

The Advantages of Term Life InsuranceTerm life insurance provides peace of mind by ensuring your family will be financially protected in the event of your passing. This blog aims to highlight the...

5 Reasons Life Insurance Matters

September is Life Insurance Awareness Month, a time to reflect on the benefits of life insurance and its vital role in securing your family’s future. Life insurance is more than just a policy; it’s...

2024 Business Insurance Trends to Consider

As the end of 2024 approaches, the nature of business risk continues to evolve, driven by technological advancements, regulatory changes, and global challenges. Staying informed about emerging...

To Lease or Finance a Car?

Deciding between leasing and financing a car is a common dilemma for many prospective car owners. This decision carries significant financial implications and can also reflect personal lifestyle...

Key Person Life Insurance: Safeguarding Your Business’s Future

Key person life insurance is a specialized policy that businesses take out on the life of an employee whose death could significantly impact the company’s operations. This type of insurance is...

How Business Insurance Helps You Weather Any Storm

September marks National Preparedness Month when businesses are encouraged to assess their readiness for unexpected challenges. Whether it’s a natural disaster, a cyberattack, or a legal dispute,...

6 Renovations to Boost the Value of Your Home

Home renovations are a powerful tool for increasing the value of your property. Whether you’re planning to sell or want to enhance your living space, strategic improvements can offer a significant...

Celebrating Hispanic Heritage Month

Hispanic Heritage Month, celebrated from September 15 to October 15, honors the rich cultural heritage and significant contributions of Latino communities in the United States. This celebration...

5 Common Reasons People Are Denied Life Insurance

Life insurance offers financial security, covering expenses and providing for loved ones after one’s passing. However, not everyone is approved for life insurance. Common reasons for denial include...

How to Reduce Expenses in Your Small Business

One of the most common struggles for small businesses involves managing costs and reducing expenses. It’s essential for maintaining profitability and fostering growth. Practical strategies such as...

5 Practical Tips for Your Hurricane Season Travels

Traveling during hurricane season presents unique challenges, including unpredictable weather and potential disruptions. Proper preparation and insurance coverage are essential to safeguard your...

What to Expect if You Outlive Your Life Insurance Beneficiary

Life insurance provides financial support to beneficiaries upon the policyholder’s death. If you outlive your beneficiary, the policy’s benefits won’t be distributed as initially planned. If you...

Your OSHA Compliance Guide to Recordkeeping & Reporting

OSHA (Occupational Safety and Health Administration) ensures workplace safety by setting and enforcing standards to protect workers’ health and safety. Compliance with OSHA’s recordkeeping and...

Your Back-to-School Insurance Checklist

Returning to school is an exciting time, promising new lessons, growth, and fresh experiences. By ensuring your insurance coverage is up-to-date, you can better protect your child, family, property...

5 Reasons You Need Life Insurance if You Are Self-Employed

Income Replacement Business Debt and Obligations Business Continuation Estate Planning...

Do I Need Employment Practices Liability Insurance (EPLI)?

Assessing Your Business Needs Legal Risks Cost vs. Benefit Analysis Compliance & Risk...

7 Important Steps to Reduce Distracted Driving

Step 1: Plan Your Route Ahead Step 2: Prepare Before You Drive Step 3: Silence Your Phone...

6 Milestones That Alter Your Life Insurance Coverage Needs

Getting Married Buying a Home Starting a Family Getting Divorced...

Your Business Insurance Renewal Checklist

Consult with an Insurance Agent Review Current Coverage Assess Business Risks Workers'...

Sharing the Road: The Do’s & Don’ts for Cyclists & Drivers

The Do’s for Cyclists The Don’ts for Cyclists The Do’s for Drivers The Don’ts for...

Cremation Insurance 101

How Cremation Insurance Works Factors to Consider When Choosing Cremation Insurance Role of Final Expense Insurance...

Safeguard Your Business from Common Social Media Risks

Since the early 2000s, social media has grown from a trend in which only college kids participated into a vital communication channel for society. Today, social media is essential for small...

Honoring Juneteenth: A Look Back & A Step Forward

Historical Background of Juneteenth Advancing the Spirit of Juneteenth Individual Action...

5 Family-Friendly Home Projects to Start This Father’s Day

National Homeownership Month celebrates the dream of owning a home, highlighting its significance in achieving financial stability and building communities. It’s a time to recognize the value of...

6 Factors that Determine the Cost of Your Life Insurance Premiums

How Insurance Premiums Are Determined 1. Age 2. Gender 3. Health...

How to Create a Safer Workplace in Any Industry

National Safety Month in June serves as a crucial reminder of the importance of safety in every facet of our lives. The significance of safety plays a significant role in the place where most of us...

What to Know Before Renting a Car This Summer

Summertime offers the opportunity for adventure, exploration, and sharing time with friends and family. Whether planning a cross-country road trip, a weekend getaway to the beach, or exploring a...

Celebrating Pride Month This June & All Year Long

Origins of Pride Month Commemorative Events Protecting the LGBTQ+ Legacy...

The Role of Child Term Riders in Life Insurance

Most people do not have difficulty understanding the goals and value of an insurance policy. However, the idea of taking out a life insurance policy on a child is a strange and unfamiliar concept...

Navigating Large Loss in a Small Business

Having your own business can be an extremely rewarding endeavor. All businesses encounter risks, but successful ones know how to approach those risks in a calculated and strategic fashion. However,...

Spring Maintenance for Your Home & Car

Spring Maintenance for Your Home As spring rolls around, many homeowners should consider revitalizing their homes through post-winter maintenance....

The Thoughtful Choice of Life Insurance for Mother’s Day

On Mother’s Day, we are all looking for the right gift to express how grateful we are and how much we owe to our mothers. While nice and sweet, the traditional flowers and chocolate are very...

Strategies to Combat Employee Theft

Employee theft is a major issue that many business owners must unfortunately confront, damaging employer-employee trust and creating an intolerable financial burden on operations. Taking proactive...

6 Considerations for Preparing for Your Move

Exciting Times Ahead Congratulations on your new home! Buying a new home is filled with fresh possibilities and the excitement of new beginnings. As...

Honoring Asian American Pacific Islander Heritage Month

The contributions of the Asian American and Pacific Islander communities to our growing culture and society are invaluable. Recognizing their contributions, we celebrate May as Asian American...

Leveraging Life Insurance to Make a Difference

Earth Day serves as a poignant reminder of the importance of preserving our planet for future generations. As individuals committed to protecting the environment, many of us seek opportunities to...

The Cost of Not Having Business Insurance

Running a business comes with many risks, from property damage to legal liabilities. While some business owners may see insurance as an unnecessary expense, the cost of failing to have adequate...

Spring Showers: Why You Need Personal Umbrella Insurance

Personal umbrella insurance is an additional layer of liability coverage that goes beyond the limits of your standard home or auto insurance policy. It provides extra protection if you are sued for...

Pet Trusts: What It Is & Why You Need One

A pet trust is a legal arrangement that allows pet owners to set aside funds for the care and maintenance of their pets in the event of their incapacity or death. Here's a breakdown of what a pet...

A Small Business Owner's Guide to Financial Literacy

Financial literacy is the foundation of sound financial management; for small business owners, it's essential for success. With April being Financial Literacy Month, there's no better time to learn...

Planning A Remodel? Insurance Tips to Keep in Mind

Are you considering a home remodel? Whether you're updating your kitchen, adding an extra room, or renovating your entire house, it's essential to consider how these changes can impact your...

How to Prevent Lapsed Life Insurance Policies

Life insurance is a crucial component of financial planning, providing a safety net for your loved ones. However, the risk of a lapsed policy can undermine its purpose. To ensure the continuity of...

10 Time Management Techniques for Increased Productivity

In the fast-paced world we live in, effective time management is a key factor in achieving increased productivity. Here are ten specific techniques to help you optimize your time and enhance your...

How Does Your Credit Score Affect Auto Insurance Rates?

As we observe National Credit Education Month, it’s crucial to delve into the various aspects of our lives influenced by credit scores. One often overlooked area is how credit scores can impact...

When to Consider an Irrevocable Life Insurance Trust

Life insurance is a crucial financial tool that provides a safety net for your loved ones in the event of your passing. However, simply purchasing a life insurance policy may not be enough to...

Cybersecurity Tips for a Safe Digital Experience

In today’s digital age, where technology plays a central role in our daily lives, ensuring cybersecurity is more important than ever. Safeguarding your online presence requires you to be proactive...

Insurance: Your Spring Break Safety Net

Protect Your Adventure with Travel Insurance As the much-anticipated spring break approaches, many of us are gearing up for a trip or...

Celebrating Women’s History Month in the Workplace

March is Women’s History Month, a time to celebrate and honor the achievements and contributions of women. This year’s theme, “Women Who Advocate for Equity, Diversity, and Inclusion,” emphasizes...

Planning for a Family? Considerations & Next Steps

Planning for a family is paramount for financial security, emotional preparedness, and overall well-being. It involves thoughtful considerations about budgeting, healthcare, and creating a...

What Type of Insurance Do You Need to Run a Business?

Running a business comes with its own set of risks, and having the right insurance coverage is crucial to protect your venture. One comprehensive solution for business owners is a Business Owners...

Need a Fresh Start? 10 Tips to Achieve an Organized and Decluttered Home

Are you feeling overwhelmed by the chaos in your living space? Don't wait for spring to start a decluttering journey. Here are ten practical tips to help you achieve an organized and decluttered...

Ensure Love Lasts with Wills & Estate Planning

Securing Your Loved Ones Beyond Valentine's Day February, with its focus on love and connection, serves as a poignant reminder to ensure...

Effective Goal-Setting Strategies to Achieve Success in the New Year

At the start of a new year, it's essential to focus on setting goals that help individuals grow both personally and professionally. For employees looking to enhance their skills and make a...

Navigate Winter Roads with Peace of Mind

Winter brings picturesque blankets of snow – along with treacherous driving conditions. Icy, snow-covered roads pose a significant threat to drivers and their passengers, increasing the risk of...

Exploring African Americans' Impact on the Arts during Black History Month

In 2024, the theme for Black History Month is "African Americans and the Arts," an exploration of the profound impact Black Americans have had on visual arts, music, cultural movements, and beyond....

Do Young Single Adults Need Life Insurance?

Navigating the complexities of financial planning in your 20s and 30s can be overwhelming. Life insurance often takes a back seat to immediate concerns like student loan debts and daily expenses....

The Keys to Launching a Successful Side Gig

In a world that thrives on versatility and innovation, launching a side gig has become a popular and rewarding pursuit for many individuals. Whether you’re aiming to supplement your income or turn...

Top 10 Travel Tips and Destinations in 2024

As the new year unfolds, the anticipation of exploring new destinations and creating lasting memories beckons. Whether you’re an avid solo traveler seeking self-discovery or someone who enjoys the...

6 Financial Resolutions to Secure Your Future

The dawn of a new year often inspires us to reflect on our lives and set resolutions that pave the way for a brighter future. When it comes to financial well-being, strategic resolutions can play a...

How to Master Professional Networking & Relationship Building

In the dynamic world of entrepreneurship, mastering the art of networking and relationship building is a key ingredient for success. Beyond expanding your business connections, effective networking...

Incorporating Healthy Habits into Your Daily Routine

As the New Year unfolds, many of us find ourselves inspired to make positive changes in our lives. Whether it’s setting new goals or resolutions, there’s a shared desire to embrace habits that...

Honoring Martin Luther King Jr. through Acts of Service

Martin Luther King Jr. Day is not just a day off; it’s a day on—a day to reflect on the legacy of a civil rights icon and an opportunity to contribute to the community through acts of service. As...

How to Protect Your Mortgage with Life Insurance

Purchasing a home is a significant financial investment, and for most, it involves taking on a mortgage. While you work hard to create a comfortable and secure living space for your family, it’s...

10 Steps to Successfully Kickstart Your Business!

Starting your own business can be an exciting and rewarding venture. However, navigating the early stages with precision and care is essential. To help guide you, we’ve outlined ten critical steps...

A Guide to Protecting Your Precious Holiday Gifts

The holiday season is a time of giving, and many of us enjoy showering our loved ones with special and often valuable gifts. These gifts carry sentimental and financial value, whether it’s...

Make Every Year Count with Term Life Insurance

Life is a beautiful journey filled with milestones, achievements, and cherished moments. As you go through life’s various stages, it’s crucial to protect the well-being of your loved ones. Term...

The Secret to Stress-Free Events for Business Owners

As a business owner, planning and hosting events for your employees, clients, or customers can be a great way to build relationships and boost morale. However, organizing a successful event can be...

Holiday Safety Tips for Your Pets

The holiday season is a time of joy and celebration, and as pet owners, it’s essential to ensure that our furry friends stay safe and happy during this festive period. With a few precautions and...

7 Unique Family Traditions to Start this Thanksgiving

As the leaves turn to hues of gold and the air grows crisper, Thanksgiving approaches with the promise of warm gatherings, delicious feasts, and heartfelt expressions of gratitude. While many of us...

How to Turn Small Business Saturday into Big Opportunities

Small Business Saturday is just around the corner, and it’s the perfect time to celebrate and support local businesses. This annual event, which falls on the Saturday after Thanksgiving, encourages...

Traveling for the Holidays? Here's What You Need to Know.

The holiday season is just around the corner, and many of us eagerly plan trips to spend quality time with loved ones. However, before you embark on your holiday adventure, it’s crucial to consider...

What to Expect When Applying for Life Insurance

If you’re considering purchasing life insurance, you must go through an application process to qualify. Understanding what to expect during this process can help you secure the coverage you need at...

10 Tips & Tools to Help Your Veteran-Owned Business Succeed

As we approach Veterans Day, we want to take a moment to express our deepest gratitude to all veterans for their unwavering dedication and service to our nation. In honor of your sacrifices and...

How often should I update my insurance policies?

As your life changes, your insurance policies should, too. Whether you’re celebrating a new chapter in your life or navigating significant changes, staying on top of your insurance needs is crucial...

How to Celebrate Native American Heritage Month

November marks a time of gratitude and reflection, inviting us to honor the vibrant tapestry of Native American cultures, traditions, and their profound contributions to our nation. Native American...

Is Final Expense Insurance Right for Me?

Final expense insurance may be the right choice for seniors who want to cover their final expenses. Also referred to as burial insurance or funeral insurance, it is a type of life insurance policy...

9 Habits of a Strong Female Leader

National Business Women’s Week is celebrated during the third week in October every year. This gives us an opportunity to recognize and honor working women. For nearly a century, this celebration...

5 Tips to Keep Teens Safe Behind the Wheel

This week is National Teen Driver Safety Week (October 15 through 21, 2023). Due to various factors, teen drivers have a higher risk of being involved in a crash than older drivers. Parents play an...

How to Plan for the Future You Want

October is Financial Planning Month. This is a time when we are reminded to prepare budgets and keep spending in check during the holiday season. Our approach to financial planning can depend on...

Is My Small Business Vulnerable to Cyber Attacks?

October is National Cyber Security Awareness Month. With the increasing prevalence of cybercrime in small businesses, it is crucial to be aware of the risks and take the necessary actions. The...

7 Group Riding Rules to Know Before Your First Fall Joyride

Riding in a group is one of life’s great pleasures, particularly in the autumn when the leaves turn, the air is crisp, and the colors vibrant. Before heading out on your first group ride this fall,...

How to Build a Disability-Inclusive Workplace

National Disability Employment Awareness Month (NDEAM) is observed each October. This is a time to celebrate the contributions of workers with disabilities and to showcase inclusive employment...

Pros & Cons of Convertible Life Insurance

When you are shopping for life insurance, a convertible term policy may be a good option. Convertible term life insurance is a type of term life policy with a rider giving the policyholder the...

The Importance of Adapting Your Insurance to Your Business Growth

Watching your business prosper and grow can make all your hard work seem worthwhile. As you enjoy your success, it is important to be aware that as your business grows, risk management...

How to Ensure Your Home is Prepared to Weather Any Storm

Although summer means warmer temperatures, it can also bring thunderstorms, with hail, rain, lightning, and strong winds. The following are some tips on preparing your home for harsh weather...

Do Graduate Students Need Life Insurance?

Obtaining a graduate degree may be the right choice to increase your earning potential and advance your career. If you have decided to go to graduate school, life insurance may be the last thing on...

5 Labor Day Lessons on Securing Your Business

The long Labor Day weekend is a time for backyard barbeques and celebrating the holiday with family and friends. It is also an excellent time to review your coverage and ensure you have the...

The Benefits of Umbrella Insurance

Accidents can happen to anyone, often leading to extensive financial losses. Umbrella insurance is a type of personal liability coverage that covers injury to others or damage to their possessions....

Embracing Diversity & Celebrating Latino History Month

National Hispanic Heritage Month begins each year on September 15 and continues until October 15. This is a time to celebrate and recognize the diverse cultures, extensive histories, and many...

Is Universal Life Insurance Right for Me?

Universal life insurance is a type of permanent life insurance that provides lifetime coverage as long as you pay your premiums. Like other permanent life insurance, it has a cash value element...

Errors and Omissions Insurance: What Is Covered?

Errors and omissions (E&O) insurance is a type of professional liability insurance. It is designed to protect professionals, including companies and workers, against claims of negligent actions or...

Should I Purchase Flood Insurance If I’m Not in a Flood Zone?

What Does Flood Insurance Cover? Two types of flood insurance are available through the National Flood Insurance Program (NFIP):...

5 Things That Are Excluded From Your Life Insurance

The main reason for purchasing life insurance is to leave something behind for your loved ones when you pass away. You pay your life insurance premiums to ensure your beneficiaries will receive...

6 Reasons to Get Business Insurance Now

If you are wondering when the best time is to get business insurance, the answer is now. The protection it can provide is essential for your business, and some types of coverage may be required by...

Home Insurance for Rental Properties: What You Need to Know

Many people who own homes today rent them out to others. If you are renting out your home, whether on a short-term or a long-term basis, it is essential to understand that your homeowners insurance...

The Importance of Updating Your Life Insurance Policy

When May You Need to Update Your Life Insurance? Why Should You Update Your Life Insurance Policy Periodically?...

How to Adjust Your Insurance Coverage for Remote Employees

Why Should Business Insurance Be Updated With Remote Workers? What Types of Insurance Does a Business With Remote Workers Need?...

What You Need to Know About Auto Insurance As a Rideshare Driver

Will Personal Car Insurance Cover Rideshare Driving? What Does Rideshare Company Insurance Cover? What Does Rideshare...

The Ins and Outs of a Life Insurance Rider Policy

When Is the Best Time to Add or Drop a Rider to Your Life Insurance? What Options Are Available for Life Insurance Riders?...

Will My Business Insurance Protect Me From Cyber Threats?

What Is Cyber Liability Insurance? What Does Cyber Liability Insurance Cover? Who Needs Business Cyber Liability Insurance?...

Understanding the Steps to Buy Life Insurance

How to Buy the Right Life Insurance for You Meet with a Local Agent for Help....

Celebrating Juneteenth: The Importance and How It Is Observed

How to Celebrate Juneteenth this Year...

Car Insurance Terms You Should Know

Common Car Insurance Terms Defined Protect Yourself with the Right Auto Insurance Policy...

5 Misconceptions About Life Insurance

Life Insurance and You – What Are the Facts? Misconception: Life insurance only pays out at death. Misconception: You do...

How to Select the Best Business Insurance for Your Company

A Guide on How to Choose the Right Business Insurance Work with One of Our Insurance Agents...

4 Tips on How to Protect Your Home While on Vacation

Taking the Right Steps to Protect Your Home Purchase Personal Insurance to Safeguard Your Most Treasured Assets...

How to Make an Impact During Pride Month

Celebrating Pride Month...

Does My Business Vehicle Need Insurance Coverage?

What Does Commercial Auto Insurance Cover?...

What You Should Know About Boat Insurance

What Does Boat Insurance Cover? How Much is Boat Insurance?...

How Will My Credit History Impact My Life Insurance Rate?

What Insurers Look for in Your Credit Report...

Here’s What First Time Homebuyers Should Know

What Does Homeowners Insurance Cover? When Should I Buy Homeowners Insurance? Find the Right Homeowners Insurance Coverage...

Asian American and Pacific Islander Heritage Month

Observing AAPI Heritage Month History of Asian American and Pacific Islander Heritage Month Our Insurance Agency is...

Am I Eligible for Life Insurance if I Have a Chronic Illness?

Qualifying for Life Insurance While Living with a Chronic Illness Reach Out to Our Team to Talk About Obtaining Life Insurance Today!...

What You Should Know About Seasonal Business Insurance

What Kind of Protection Does Seasonal Business Insurance Provide? Talk to Our Team About Your Seasonal Business Insurance...

What’s Considered a Natural Disaster, and Am I Covered?

Examples of Natural Disasters Homeowners Insurance May Cover Keep Your Home and Property Protected with Homeowners Insurance...

Is Joint Life Insurance a Good Idea?

How does Joint Life Insurance Work? Joint Life Insurance, the Pros and Cons Should You Buy Joint Life Insurance?...

The Top 4 Reasons to Consider Business Interruption Insurance

What is the best type of business interruption insurance?...

5 Car Insurance Myths Debunked

Myth: Older drivers always pay more for auto insurance. Myth: Your credit won’t impact your car insurance premiums. Myth:...

GoFundMe vs. Life Insurance: What You Should Know

Do You Need Life Insurance? Reasons to Buy Life Insurance Choosing the Right Life Insurance...

5 Types of Car Insurance Explained

Auto Insurance Policies – What’s Right for You? Protect your vehicle and your family....

What is Term Life Insurance, and How Does it Work?

Types of Term Policies How Much Term Life Insurance Do You Need? Converting Term Life Insurance to Whole Life Insurance...

How Promoting Workplace Safety can Save You Money

How to Reduce Workers’ Compensation Claims Workplace safety programs – the cost of doing business. What are the Costs of...

Can Having an Eco Friendly Home Reduce Your Homeowners Insurance?

How to secure homeowners’ insurance discounts? Green home discounts Other discounts...

Women's History Month

Women’s History Month – a Brief History The Right to Vote 2023 Women’s History Month – The Storytellers...

What Costs Should I Review When Planning a Funeral?

The Zebra Will Life Insurance Cover Funeral Expenses? Are There Other Ways to Cover the Costs of a Funeral...

General Liability, Professional Liability, and BOP: Which One Is Right for You?

General Liability Insurance Professional Liability Insurance Business Owner’s Policy (BOP)...

What is Pet Insurance and Do I Need It?

Are There Different Types of Pet Insurance? What Affects the Cost of Pet Insurance? What Is Not Covered by Pet Insurance?...

Should I Insure My Home Based Business?

Entrepreneur. What Types of Insurance Coverage Does a Home-Based Business Need?...

Should I have an Emergency Fund Along with Life Insurance?

What Is an Emergency Fund? How Can I Build an Emergency Fund? How Big Should My Emergency Fund Be?...

Black History Month

What Is the Origin of Black History Month? What Is This Year’s Black History Month Theme? What Events Are Planned for Black...

What Happens if You Are Denied Life Insurance?

Why Are Some People Denied Life Insurance? What Steps Should You Take if You Have Been Denied Life Insurance? What If Your...

5 Unconventional Businesses That Still Need Insurance

Dog Walker Blogger Handyman Pet Sitter Freelancer...

How to Avoid Costly Claims from Winter Storms

Does Homeowners Insurance Cover Damage to My Home from Winter Storms? How Can I Avoid Costly Claims from Winter Storms? To...

The Importance of Creating a Will

Creating a will is one of the most important legal actions for people of all ages. Many younger people believe writing a will is for later in life. In fact, a will can be one of the most...

What Can I Expect My Worker's Compensation to Cover?

Your business’s workers’ compensation policy protects against lawsuits filed by injured employees. The trade-off is the cost of these policies eats into your profits. Every workers’ compensation...

Should I Purchase a Car with License Plate Lights?

Depending on where you live, you may be required to have license plate lights. Consider buying a car with license plate lights or installing a light on your existing vehicles. The lights illuminate...

3 New Year's Resolutions for Small Businesses

2023 is almost upon us, along with the long-held tradition of New Year’s resolutions. For individuals, after a season of parties, food, holiday cookies, cakes, and drinks, resolutions about losing...

How to Protect Your Home During the Holidays

Most of us look forward to the holidays with anticipation. Family, friends, and work get-togethers, parties, events, and foods and treats make the winter holiday season a favorite for people of...

5 Reasons Why Life Insurance is a Great Christmas Gift

The Christmas season is fast approaching, and finding the right gifts for our loved ones is at the top of our minds. You may not consider life insurance an ideal gift, but it may surprise you that...

Understanding What’s Covered and What’s Not Covered with Life Insurance

How Life Insurance Can Be Used What Is Not Covered by Life Insurance Different Types of Life Insurance...

Is My Business Covered in the Event of a Cyber Attack?

The Costs of a Cyber Breach Cyber Insurance and Exclusions Types of Data Breaches Affecting Businesses in the USA...

I Missed an Auto Insurance Payment: Here's What to Expect

What Happens if I Don’t Get My Payment in on Time? What if My Car Insurance Payment Is More Than a Few Days Late? What...

Welcome to Parenthood: Here’s What You Should Know About Your Policy

Why Do New Parents Need Life Insurance? What Type of Life Insurance Is Best for Your Family? Term Life Insurance...

Top 3 Business Insurance Myths

Insurance is essential in today’s economic environment. We have health insurance in case we become ill or injured. We carry auto insurance so we can legally drive and for protection in case of a...

Native American Heritage Month

Native American Heritage Month Exhibits and Collections How Was National Native American Heritage Month Established?...

Here’s Why You Should Buy Life Insurance for Your College Student

Married College Students Student Loans Establishing an Asset Does Your College Student...

If You Blog, You May Need Professional Liability Insurance

Business Blogging and Liability Blog for a Living? Get Covered with Liability Insurance. What is Business Liability...

National Disability Employment Awareness Month

What is National Disability Employment Awareness Month? What You Can Do Training and Education...

What Steps Should I Take When in an Auto Accident?

Recovering from an Auto Accident and Your Personal Insurance Policy Personal Insurance and Auto Accidents No-Fault Personal...

How Will Inflation Impact My Coverage?

How to Manage the Impact of Inflation on Your Business Insurances How to Lower Your Business Insurance Premiums Is...

Do I Have to Choose a Beneficiary? What You Need to Know

Choosing a Beneficiary for your Life Insurance Changing a Beneficiary Naming More Than One Beneficiary...

What You Should Know Before Becoming an Airbnb Host

Risks vs. Rewards Guest Quality Protecting Against Losses with Insurance Injuries on...

Review Your Policy After These Major Life Changes

When to Review Your Life Insurance?...

Home Maintenance Checklist: Step by Step Guide to Prepare Your Home for the Fall

Clear out Gutters Inspect Windows and Doors Heating System Check Plumbing Check...

How to Determine the Right Amount of Coverage Needed

Calculating Your Coverage: The Process Buying Life Insurance Term Life Insurance or Whole Life Insurance?...

How Should I Budget for Business Insurance?

Business Insurance Options How to Choose the Right Business Insurances...

Latino History Month

The Significance of September 15 Celebrate Hispanic Cultures – It is an American Heritage. The History of National Hispanic...

How A Traffic Ticket Can Affect Your Life Insurance

How Do Life Insurance Companies Look At Your Driving Record? What Is An MVR & How Does It Affect Your Life Insurance Rates?...

How Small Businesses Can Avoid Insurance Mistakes

It takes hard work, dedication, creativity, and tenacity to get a small business up and running successfully, so it makes sense to have the right insurance coverage in place to protect it. In fact,...

Does Your Auto Insurance Cover Air Conditioning?

Driving a car with no A/C can be miserable during the hot summer months, particularly during a heatwave. As important as it is to your comfort and that of your passengers, automotive air...

Can I Lower My Life Insurance Premiums?

A life insurance policy can give you peace of mind knowing that your family will be provided for if anything should happen to you. Unfortunately, many people put off this critical task, in many...

How To Control Workers' Compensation Costs

Implement a Formal Safety Program Establish a Return-to-Work Program Use Medical Providers That Are In Network...

Save Money During The Hot Summer Months

Replace AC Filters Regularly Turn Off the AC in the Cooler Hours Dry Your Laundry on a Line Outside...

Commercial Insurance: Protection Against Lawsuits

Do You Have The Right Level Of Protection? Business Insurance In Your Area...

Need Motorcycle Insurance?

Protection After an Accident or Theft...

3 Key Differences Between Whole Life Insurance & Term Life Insurance

Insurance can be a confusing subject, and at our local agency, we want to clear up some basic questions for you. Most families put some type of life insurance in place, and figuring out whether...

Commercial Auto Insurance: What Is The Best Coverage?

The Right Commercial Auto Insurance for Your Company...

Save Cash With These Summer Home Tips

Summer is here, and with hot weather comes rising electric bills and other costly household expenses. None of these money-saving tips are particularly costly, but each of them can contribute to...

Should You Insure While You’re Young?

Now or Later: Reasons Not to Wait A Policy That Is Right for You....

Are You Underestimating Your Need for Disability Insurance?

Do Older People Have a Greater Need for Disability Insurance? What Types of Disability Coverage Are Available? What Are the...

5 Medical Malpractice Insurance Myths

You Cannot Be Sued for More Than Your Policy Limits Only Doctors Need Medical Malpractice Insurance If You Are Covered...

5 Boat Safety Tips for the Summer

Don’t Drink While Boating Wear a Life Jacket at All Times Watch Out for the Propellers...

5 Life Insurance Myths Debunked

A Stay-at-Home Parent Who Does Not Earn an Income Does Not Need Life Insurance Beneficiaries of a Life Insurance Policy Must Pay Income Tax on the Proceeds...

Is Your Small Business Recession Proof?

Get a Handle on Your Cash Flow Develop Multiple Revenue Streams Budget Spending According to Revenue...

Celebrating Pride Month

Pride Month Official Recognition LGBT History Month Annual Pride Traditions Mother of...

6 Things You Shouldn’t Store in Your Garage

Make Sure You Have the Right Homeowners Insurance Coverage...

Common Types of Surety Bonds & How They Work

Types of Surety Bonds Contract Surety Bonds Commercial Surety Bonds Need a Surety Bond...

Understanding What Your Home Insurance Policy Covers

Home Insurance Basics Covered Perils Liability Coverage When You Need a New Place to...

Family Floater Life Insurance Policy and How They Work

Life Insurance for the Entire Family Family Whole Life Insurance Family Term Insurance...

4 Things to Know About Employment Practices Liability Insurance

This insurance helps you pay to defend against employment-related claims and pay any damages awarded. Employment-related claims are at an all-time high....

Celebrating Asian American Pacific Islander Heritage Month

Renew and Rebuild: Our Communities and Beyond A Month to Celebrate Our Neighbors, Friends, and Associates. A Brief History:...

How to Travel Safely with Travel Insurance

What is Vacation Travel Insurance? Covered Risks – The Options What Can Travel Insurance Do for Me?...

6 Mortgage Protection Myths Debunked

Mortgage Insurance is Life Insurance. Mortgage Insurance Protects You if You Default. Mortgage Protection Insurance is...

Effective Risk Management Tips for Breweries

Proper Spill and Broken Glass Cleanup Processes Do Not Over-Serve Employ the Correct Tank and Line Cleaning Processes...

Home Renovations That Can Affect Your Insurance

Pools Additions Kitchen Remodels New Roof Home...

Effective Ways to Spring Clean Your Life Insurance

Review Your Current Life Insurance Policies Evaluate Changes in Your Life Circumstances Raising the Death Benefit...

5 Types of Cyber Criminals & How to Avoid Them

Phishing Hacking Former or Disgruntled Employees Ransomware...

5 Spring Home Maintenance Tips

Roof Inspection Gutter Cleanup Change HVAC Filters Window Screen Cleaning and Repair...

How to Use a Fixed Annuity for Retirement Income

Types of Fixed Annuities Fixed Annuities and Retirement: Immediate and Deferred Annuities Choosing the Best Fixed Annuity –...

Commercial Umbrella Insurance 101

What Risks Does Umbrella Insurance Cover? Is Umbrella Insurance Necessary? How Much Does Umbrella Insurance Cost?...

Motorcycle & Boat Coverage During Winter: Laid Up vs. Canceling

What is Lay-Up Insurance? Increasing Your Deductible Canceling Motorcycle or Boat Insurance...

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