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Insurance Blog

Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.

So You’re Hiring Your First Employee

Should I hire an employee or contractor? If you need help building your business, there are two ways to hire an extra set of hands – adding an employee or signing an independent contractor. While there are pros and cons to both, it’s important to understand the difference. Employee: An employee is hired to work for your company on a full- or part-time basis. This...

What Does Commercial Umbrella Insurance Cover?

Your business is protected by your business insurance – but is it enough? A commercial umbrella insurance policy provides coverage when a claim exceeds the limits of your other policies. This type of policy is typically quite affordable and offers a critical level of protection against losses from substantial claims or lawsuits.  Do You Need Commercial Umbrella Insurance? A liability claim filed against your business...

What to Know About Building a Deck

Is Adding a Deck a Good Investment? Remodeling magazine reported that adding a wood deck can up your home’s resale value by more than $10,000. Decks built of composite material add more than $13,000. So chances are, you’re going to significantly recoup the value of this investment. Test your knowledge with our quiz: How Much Value Can These DIY Projects Add To Your House? What...

11 Curbside Pickup Tips for Your Business

Use technology to your advantage. One reason a customer will choose to place a curbside pickup order is because it’s a convenient way to shop. But if they find it difficult to order online, or experience long wait times when they arrive at your business, it’s unlikely they’ll try the service again. To help reduce customer frustrations, do a quick audit of your e-commerce resources:...

Do I Need Boat Insurance for a Non-Motorized Boat?

Depending on where you live, you may not be legally required by the state to carry boat insurance for a non-motorized boat, but that is not the only reason to insure your boat. If you have invested in a sailboat, kayak, canoe, or RIB (rigid inflatable boat), boat insurance will protect your investment if the watercraft is damaged during an accident. It should also protect...