Driving Distractions - Eliminate Them!

Eliminating Distractions A recent National Highway Traffic Safety Administration study performed by the Virginia Tech Transportation Institute has reported that “nearly 80 percent of crashes and 65 percent of near-crashes involved some form of driver inattention within three seconds before the event. Primary causes of driver inattention are distracting activities, such as cell phone use, and drowsiness.” Some of the highest risk distractions while driving are reaching for a moving object, an insect in your vehicle, looking at an object outside the vehicle, entering data on a ...

Cyber Beware!

Guard against Cyber Attacks with Cybersecurity Insurance   Ransomware attacks are among the latest, costly means by which hundreds of organizations and tens of thousands of computers have been infected throughout the world.  Or it could be social engineering and just you.  In just responding to a quote request where we followed up to get the loss runs and email came back seeming from the prospective client.  Our agent noticed a executible file rather than PDF.  Sure enough we would have ...

Time For an Update

7 Tips to Selecting the Right Car Insurance Coverage

Better be prepared with car insurance before you buy your car and drive it off the lot. But finding the right car insurance coverage is not as easy as 1, 2, 3. There are many parts to the policy and many different types of coverage and limit options. Here are seven tips you can use when considering the car insurance that's right for you. 1. Know Your State's Minimum Required Limits for Auto Insurance In most states you are required to carry auto insurance and establish minimum liability limits, ...

Counting Down to College? Be Sure Insurance Still Adds Up

As sure as the swallows return to Capistrano, all over America the latest migration of students prepares to descend on college campuses. Depending on whether your student is facing year one or is farther along the higher education highway, their individual stress levels may range from sheer terror to borderline boredom. For you, concerns may be running the gamut from empty nest issues to "How are we going to pay for this?"   Not that we want to add any wood to the mental and ...

Time to Winterize!

Insulating exposed pipes is an important part of winterizing your home. As the first leaves hit the ground and those fall breezes turn from cool to cold, it's time to prepare for winter. Whether that means snowstorms and ice or just the heavy chills many experienced in last year's milder season, experts advise preparing your home for whatever Old Man Winter has in store.   Here are 10 popular winterizing tips:   1. Check doors, windows and any exterior opportunities for winter to enter your home. Caulk ...

The Building Code Can Cost You AFTER A Loss

A condominium association board is meeting today to try and figure out what to do about the condemned 4 unit building in their complex. 3 months ago, a fire in one of the units burned and destroyed the unit it started in, the adjacent unit, and partially damaged a third unit before ...

Did you rent that house and move?

I sell a promise and security which I take very seriously. When I hear of an insurance company that is not performing I get angry. So when I heard about a friend of a friend with a problem I was happy to meet. Yesterday I met with him. He had had a fire in his house and the carrier did not pay. In fact they have action pending in Federal Court. 80% of the house is damaged. He was not insured by my agency nor one ...

Time to Get Your Digital Guard Up

Excellent article in American Thinker.  Gets to the point quick.   |   February 5, 2021

2021 ratchets up cyber-security threats to American individuals and businesses

By Julio Rivera   The Cybersecurity and Infrastructure Security Agency (CISA) underwent a major change at the top of its hierarchy in the aftermath of the 2020 election, as Director Christopher Krebs was fired as a result of his beliefs regarding election security. As the calendar turns to 2021, the media are finally reporting what many security experts ...

Are You Prepared for 50% Increases in Commercial Property Premiums?!

Can you handle a 50% increase in a commercial property premium? I've seen it recently - so let's discuss what's going on. Changes are coming for commercial property owners in Georgia during 2021. Some may have experienced these changes with their renewal already, for others that letter might still be on the ...

Cancellation Notices - More than a late payment!

Some businesses might be familiar with the Notice of Cancellation for non-payment of premium. By statute, before a company ends coverage for any reason, proper notice must be submitted to the insured and these notices are the company fulfilling that obligation. Keep in mind, insurance contracts, in the simplest form, ...

Let's manage the problem, people. Let's not make things worse by guessing.

In the movie Apollo 13, Gene Kranz is the flight director for the Apollo 13 spacecraft and it just had an accident. His staff are flying around, almost in a panic, when he says: "Let's work the problem, people. Let's not make things worse by guessing." Whether he said ...