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Insurance Education

Personal Lines
Ridesharing - Uber or Lyft -- Does my insurance cover me?
With ridesharing services like Uber and Lyft, now anyone with a smartphone can become a driver for hire where, instead of flagging down the car like a passing taxi, customers use a mobile app to request and pay for a ride. But here’s the catch. Since many of the drivers who work for ridesharing companies do not have a livery driver’s license and their cars are neither registered nor insured as commercial vehicles, it creates an insurance gap, or a period of time when they are underinsured and taking on more financial risk. Companies like Uber and Lyft are called a Transportation Network Company (TNC) and there are different coverage periods for these drivers. If you drive for a TNC, make sure you know the three distinct coverage periods and the insurance coverage you need at each time.


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Personal Lines
Rental Reimbursement - How does it work?
After a car accident, you have enough things to worry about. Getting to work the next day shouldn’t be one of them. We’ve all been there—and arranging alternate transportation while your vehicle is in a repair shop can be a hassle. But rental reimbursement coverage can help alleviate some stress after an accident while also saving you money. Here are seven things you should know about before buying rental car reimbursement coverage.


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Personal Lines
What is GAP Coverage?
If you loan or lease your vehicle, it’s probably a smart idea to take a look at gap coverage. It often isn’t included with your average auto policy, and having it can potentially save you thousands of dollars.Gap insurance covers the difference between the depreciated value of your car and how much you owe on a loan at the time of an accident. So to understand gap coverage, you first need to understand depreciation.


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Personal Lines
What is the difference between Actual Cash Value and Replacment Cost and which one is best for you?
Imagine this situation.
 About five years ago, you bought a new flat screen TV for over $1,000. Then after a thunderstorm rolls through, it won’t turn on. It’s destroyed. So, you file a claim with your insurance company, but you’re left confused when your settlement check is less than $1,000. After all, that’s what you paid for the TV, right? It all comes down to the type of contents coverage you’ve selected in your homeowners insurance policy: actual cash value or replacement cost value. But you can avoid this confusing situation by reviewing your coverage options with your independent insurance agent ahead of time. Check out our info about actual cash value and replacement cost to help you understand the difference so you can choose the right coverage for your home insurance policy.


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Business Lines
FAQ about Workers' Compensation
The truth is, it’s difficult to prevent every possible accident, illness or injury from happening on the job. No matter how cautious you and your employees may be, or how safe your workplace is, eventually, you’re likely going to have a workers’ compensation claim on your hands. Are you prepared?Take a look at some frequently asked questions below. Then speak with your independent insurance agent to learn how workers’ compensation insurance coverage can be used to protect your business and your employees.


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Business Lines
Insurance 101 for new business owners
If you’re thinking about starting a small business, you know a thing or two about taking risks. Your entrepreneurial spirit is not only commendable, it’s critical to keeping our economy going. But at the same time, it’s smart business to limit your risks however and wherever you can. That’s where business insurance—and solid advice from your independent agent—come into play.


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Personal Lines
How much life insurance do I need?
Life insurance is an important part of planning for the future. In your absence, life insurance can help protect your family’s finances, allow your small business to live on and give you something to leave behind for your loved ones or a favorite charity. Many people understand the importance of life insurance. According to LIMRA, 80% of consumers believe that most people need life insurance and as many as 132 million Americans rely on life insurance to protect their financial security. But when it comes to actually purchasing a policy, the confusion sinks in and one big question often comes to mind: how much life insurance coverage do I need?


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Personal Lines
Things to consider when buying life insurance
Purchasing life insurance is one of the most important financial decisions you’ll make. Not only does it protect the loved ones you’ll leave behind, it can be a useful tool well before then. While there are many things to take into account when purchasing life insurance, check out our list of some of the first five things to consider.


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Business Lines
CYBER COVERAGE --- Does your business need cyber coverage?
The simple answer is yes. If you have a computer—or even just do business with someone who has a computer—you, your business and your information are at risk. And the consequences can be severe. Sixty percent of small businesses close within six months of a data breach.  For small and medium-sized businesses, cyber coverage might seem unnecessary. But data breaches aren’t just for big retailers. While those large-scale attacks generate headlines, most cyberattacks target businesses with less than 250 employees.  And if you think your business liability insurance has got you covered, think again. Standard business liability insurance typically doesn’t cover cyber liability, and with new threats emerging rapidly in the digital world, cyber liability will likely remain separate from business liability.


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