Choosing an Insurance Agent: Questions and Answers

Posted under Commercial Insurance, Homeowner’s Insurance, News and Announcements, Personal Insurance, Risk Mangement.

The right insurance agent does more than provide a price. A good agent helps you understand your risks, compare coverage options, identify potential gaps, and make informed decisions. Here are answers to common questions about selecting an insurance agent.

Why does choosing the right insurance agent matter?

Insurance policies can contain different limits, deductibles, exclusions, and endorsements. Two policies that appear similar may provide very different protection.

A knowledgeable agent can explain these differences and help you avoid buying coverage based only on price. The goal should be to find appropriate protection at a competitive cost.

What should I look for in an insurance agent?

Look for an agent who:

  • Is properly licensed
  • Has experience with your insurance needs
  • Asks detailed questions
  • Explains coverage clearly
  • Responds promptly
  • Represents reputable insurance companies
  • Reviews your coverage regularly
  • Helps you understand claims procedures
  • Focuses on long-term relationships

You should feel comfortable asking questions and discussing your financial concerns.

What is the difference between an independent and captive agent?

An independent insurance agent may represent several insurance companies and compare options from multiple carriers.

A captive agent generally represents one insurance company or group of affiliated companies. Both types can provide valuable service, but they differ in the number of insurance markets they can access.

Ask the agent which insurers they represent and how they select the policies they recommend.

Should I choose an agent based on price?

Price is important, but the lowest premium does not always provide the best value. A less expensive policy may contain lower limits, higher deductibles, restrictive exclusions, or missing endorsements.

Ask the agent to explain why one proposal costs less than another. Make sure you understand what you may be giving up before choosing the lowest-priced option.

How can I determine whether an agent is experienced?

Ask how long the agent has been licensed and whether they regularly work with clients who have needs similar to yours.

For business insurance, find out whether the agent understands your industry, contracts, employees, property, vehicles, and professional exposures. For personal insurance, the agent should ask about your home, vehicles, drivers, valuables, recreational activities, and liability risks.

Should an insurance agent review my risks before providing a quote?

Yes. An agent needs accurate information to recommend appropriate coverage. A thorough review may include questions about:

  • Property values
  • Drivers and vehicles
  • Employees and payroll
  • Business operations
  • Valuable personal property
  • Prior claims
  • Contracts and leases
  • Rental properties
  • Cyber risks
  • Future plans

Be cautious when an agent recommends a policy without first learning about your situation.

What questions should I ask an insurance agent?

Helpful questions include:

  • What risks do you believe I should address?
  • What does this policy cover?
  • What important exclusions should I understand?
  • Are the limits high enough?
  • How do the deductibles work?
  • Are there coverage gaps between my policies?
  • What discounts are available?
  • How will you help if I have a claim?
  • How often will we review my coverage?
  • Why do you recommend this insurance company?

A good agent should answer these questions clearly and without unnecessary jargon.

How important is customer service?

Good service becomes especially important when you need to change a policy, add coverage, obtain a certificate, or report a claim.

Ask who will handle your account and how quickly the agency normally responds. Find out whether you can communicate by phone, email, text, or through an online portal.

Will my agent help me with a claim?

The insurance company investigates and decides claims, but a good agent can still provide valuable assistance. The agent may help you report the loss, explain the claims process, locate policy information, and communicate with the adjuster.

An agent cannot guarantee that a claim will be covered, but you should know what support the agency provides.

Should I read online reviews?

Online reviews can provide useful information about responsiveness, communication, and claims assistance. However, they should be only one part of your decision.

Look for patterns across multiple reviews rather than relying on one unusually positive or negative comment. Referrals from trusted friends, family members, or business associates may also be helpful.

What are warning signs when choosing an agent?

Potential warning signs include:

  • Recommending coverage without asking questions
  • Focusing only on the lowest price
  • Avoiding questions about exclusions
  • Providing unclear or incomplete proposals
  • Pressuring you to decide immediately
  • Failing to return calls or emails
  • Asking you to leave information off an application
  • Making guarantees about future claims

Insurance applications should always be complete and accurate.

How often should my agent review my insurance?

Your agent should review coverage at least annually and whenever you experience a major change.

Personal changes may include buying a home, adding a driver, remodeling, acquiring valuables, or purchasing a rental property. Business changes may include hiring employees, adding services, purchasing equipment, opening a location, or signing new contracts.

Find an Agent Who Looks Beyond the Price

The right insurance agent should help you understand your risks and make confident coverage decisions.

At [Agency Name], we take the time to learn about your needs, explain your options, and help you build an insurance program designed around what matters most to you.

Contact us today to schedule an insurance review.

Coverage descriptions are general. Actual coverage is determined by each policy’s terms, conditions, limits, endorsements, and exclusions.

Rising Costs and Inflation: How Business Owners Can Protect Their Bottom Line

Posted under Commercial Insurance, Cyber Liability, News and Announcements, Risk Mangement.

Business owners are feeling financial pressure from nearly every direction. The cost of materials, inventory, energy, wages, rent, transportation, and insurance continues to affect operating budgets and profit margins.

According to the U.S. Chamber of Commerce’s Small Business Index, nearly six in ten small-business owners identified inflation as their biggest challenge in the second quarter of 2026.

While business owners cannot control inflation, they can take practical steps to manage expenses, reduce preventable losses, and protect their companies from unexpected financial setbacks.

How Rising Costs Affect Businesses

Inflation creates more than one problem. It can influence almost every part of a company’s operations.

1. Materials and Inventory Cost More

Businesses may have to pay more for raw materials, equipment, supplies, and finished products. Companies must then decide whether to absorb those increases or pass some of them along to customers.

Raising prices too quickly could affect demand, while absorbing every increase can reduce profitability.

2. Labor Expenses Continue to Rise

Finding and retaining qualified employees remains difficult for many businesses. Competitive wages, employee benefits, training, workers’ compensation, and payroll taxes can represent a substantial portion of operating expenses.

Reducing employees may lower costs temporarily, but it can also create staffing shortages, service problems, and employee burnout.

3. Energy and Transportation Affect More Than Fuel

Higher energy and transportation costs can increase the expense of operating buildings, running vehicles, shipping products, and receiving supplies.

Even companies without a large vehicle fleet may experience higher prices as vendors pass along their increased transportation expenses.

4. Property Values and Replacement Costs Change

Inflation can increase the cost of construction materials, equipment, furnishings, inventory, and labor. As a result, the amount it would cost to rebuild a commercial property or replace damaged business equipment may be significantly higher than it was several years ago.

A policy limit that was adequate when originally selected may no longer be enough.

5. Insurance Premiums May Increase

Insurance costs can be affected by inflation, repair expenses, medical costs, litigation trends, severe weather, construction prices, and the frequency of claims.

Although price is important, reducing coverage without understanding the consequences can leave a business exposed to a much larger financial loss.

Five Ways to Manage Rising Business Costs

1. Review Expenses Regularly

Examine recurring expenses, subscriptions, supplier contracts, leases, and service agreements. Small expenses that receive little attention can become substantial when combined.

Ask whether each expense is necessary, whether the service is being fully used, and whether better terms are available.

2. Work With Multiple Suppliers

Depending too heavily on one supplier can leave a business vulnerable to price increases or product shortages. When appropriate, develop relationships with alternative suppliers and compare prices, delivery times, and contract terms.

The least expensive vendor is not always the best choice. Reliability, product quality, and consistent delivery can help prevent costly interruptions.

3. Focus on Loss Prevention

Preventing accidents and property losses can protect employees, reduce downtime, and potentially improve a company’s long-term insurance results.

Helpful measures may include:

  • Establishing written safety procedures
  • Conducting regular employee training
  • Maintaining buildings, equipment, and vehicles
  • Investigating accidents and near misses
  • Improving cybersecurity practices
  • Preparing emergency and business-continuity plans

4. Strengthen Cash-Flow Planning

Higher costs make cash-flow forecasting especially important. Business owners should understand when major expenses are due, how long customers take to pay, and how much emergency funding is available.

Review credit terms, invoicing procedures, outstanding accounts, and planned purchases. A healthy company can still experience serious difficulties if it does not have enough available cash to meet short-term obligations.

5. Review Your Insurance Program

An insurance review is not simply an opportunity to look for a lower premium. It is also a chance to determine whether your coverage reflects current property values, payroll, revenue, inventory, equipment, and business activities.

Your review should consider:

  • Commercial property replacement values
  • Business-income limits and waiting periods
  • Equipment and machinery coverage
  • Commercial auto classifications and usage
  • General and professional liability limits
  • Workers’ compensation classifications
  • Cyber and data-breach protection
  • Deductibles and available credits
  • Policy exclusions and coverage gaps

Avoid Being Underinsured

One of the greatest inflation-related insurance risks is underinsurance.

Suppose a building, piece of equipment, or inventory was insured based on values established several years ago. If replacing that property now costs considerably more, the existing insurance limit may not cover the full loss.

Business-income coverage also needs attention. If higher expenses would make it more costly to continue operations after a fire or another covered loss, older coverage limits may not provide enough protection during the recovery period.

Should You Increase Your Deductibles?

A higher deductible may reduce insurance premiums, but it also increases the amount the business must pay when a loss occurs.

Before increasing a deductible, consider:

  • How much cash the business could comfortably pay after a loss
  • How frequently claims are likely to occur
  • Whether the premium savings justify the additional risk
  • Whether different deductibles apply to wind, hail, water, cyber, or other losses

The goal is not simply to find the highest deductible. It is to choose an amount that balances premium savings with the company’s financial ability to absorb a loss.

Protecting Your Business in an Inflationary Economy

Business owners cannot eliminate every cost increase, but they can control how prepared their companies are.

Careful budgeting, preventive maintenance, employee training, contract review, cash-flow planning, and properly structured insurance can help protect a business from financial surprises.

Our insurance agency can help you review your current policies, update property and income values, identify potential gaps, and explore sensible ways to manage insurance costs without sacrificing essential protection.

Contact us today to schedule a business insurance review. A policy designed for yesterday’s costs may not be enough to protect today’s business.

Insurance coverage is subject to policy terms, conditions, exclusions, deductibles, and limits. Consult your insurance professional regarding coverage appropriate for your business.

Does Homeowners Insurance Cover Water Damage?

Posted under Homeowner’s Insurance, News and Announcements, Personal Insurance.

Water damage is one of the most common and expensive problems homeowners face. A burst pipe, leaking appliance, overflowing bathtub, or backed-up sewer can damage floors, walls, furniture, and personal belongings.

Does homeowners insurance cover the damage? The answer usually depends on where the water came from and whether the event was sudden and accidental.

When Homeowners Insurance May Cover Water Damage

A standard homeowners insurance policy generally covers sudden and accidental water damage caused by a covered event. Examples may include:

  • A pipe that unexpectedly bursts
  • A washing-machine supply hose that suddenly breaks
  • An appliance that unexpectedly overflows
  • Accidental water discharge from a plumbing system
  • Water used to extinguish a house fire
  • Rain entering through a roof damaged by a covered storm
  • Frozen pipes when reasonable precautions were taken

Depending on the policy, coverage may help pay for damage to the house, damaged personal belongings, water removal, and temporary living expenses if the home becomes uninhabitable.

Your deductible and policy limits will apply.

Are Plumbing Repairs Covered?

Homeowners insurance may cover the resulting water damage without paying to repair the item that caused it.

For example, if a pipe suddenly bursts behind a wall, the policy may help cover the cost of opening the wall and repairing the resulting damage. However, it may not pay to replace the worn or deteriorated pipe itself.

Insurance is designed primarily for unexpected losses—not routine maintenance or normal wear and tear.

Does Insurance Cover a Slow Leak?

Damage caused by a long-term or gradually developing leak is commonly excluded. Examples include:

  • A pipe that has been dripping for months
  • Long-term seepage around a bathtub or shower
  • Damage caused by worn-out caulking
  • An aging roof that has not been maintained
  • Ongoing leakage under a sink
  • Rot, corrosion, or deterioration

Coverage may depend on whether the leak was hidden, how long it existed, and the specific policy language. Report suspected damage promptly and take reasonable steps to prevent it from getting worse.

Does Homeowners Insurance Cover Flooding?

Standard homeowners insurance generally does not cover external flooding. This includes water entering the home because of:

  • Heavy rainfall
  • Overflowing rivers or streams
  • Storm surge
  • Rising surface water
  • Rapid snowmelt
  • Mudflow associated with flooding

Flood insurance is typically purchased separately. Homeowners outside officially designated high-risk flood zones may still experience floods, so it is worth discussing the exposure with an insurance professional.

Is Sewer Backup Covered?

A standard homeowners policy may exclude or provide very limited coverage for water or sewage backing up through drains, toilets, or sump pumps.

Sewer and drain backup coverage can often be added by endorsement. It may help pay for cleanup and property damage following an eligible backup, subject to its own limit and deductible.

This endorsement should not be confused with flood insurance. The two cover different types of water losses.

What About Sump-Pump Failure?

Damage caused by a sump pump that stops working may not be covered by an unendorsed homeowners policy. An optional water-backup endorsement may provide some protection, depending on its terms.

Check the coverage limit carefully. A lower limit may not be sufficient for a finished basement containing flooring, walls, furniture, electronics, or other valuable property.

Is Mold Caused by Water Damage Covered?

Mold coverage depends on what caused it and how quickly the problem was addressed. If mold develops directly from a sudden covered water loss, the policy may provide limited coverage for remediation.

Mold caused by ongoing moisture, poor maintenance, high humidity, or a long-term leak is generally excluded. Some policies also contain specific mold limits or exclusions.

How to Help Prevent Water Damage

Homeowners can reduce the risk of water-related claims by:

  • Replacing aging washing-machine and dishwasher hoses
  • Checking underneath sinks and around appliances
  • Insulating pipes in vulnerable areas
  • Maintaining heat during freezing weather
  • Cleaning gutters and directing water away from the foundation
  • Testing the sump pump regularly
  • Installing water-leak detectors
  • Considering an automatic water-shutoff system
  • Knowing the location of the main water shutoff
  • Repairing small leaks promptly

Some insurance companies offer discounts for qualifying leak-detection or automatic shutoff devices.

What Should You Do After Water Damage?

If water damages your home:

  1. Stop the source of the water if it is safe to do so.
  2. Turn off the main water supply when necessary.
  3. Protect people and pets from electrical hazards.
  4. Take photographs and videos of the damage.
  5. Move undamaged property away from the affected area.
  6. Contact your insurance agent or company promptly.
  7. Begin reasonable emergency drying and cleanup.
  8. Keep damaged items until the insurer authorizes disposal.
  9. Save receipts for emergency repairs and temporary expenses.

Do not delay action while waiting for an adjuster. Most policies require homeowners to take reasonable steps to prevent additional damage.

Review Your Water-Damage Protection

Water damage coverage varies by insurance company and policy. The best time to discover a coverage gap is before a pipe bursts, drain backs up, or sump pump fails.

Contact our agency for a homeowners insurance review. We can help you understand what your policy covers and discuss options such as water-backup coverage, flood insurance, and higher limits for protecting your home.

Fall Home Maintenance Tips Every Homeowner Should Know

Posted under Auto Insurance, Homeowner’s Insurance, News and Announcements, Personal Insurance, Safety.

Fall brings cooler temperatures, colorful leaves, and the beginning of the holiday season. It is also one of the best times to prepare your home for winter weather.

A little preventive maintenance now may help you avoid frozen pipes, water damage, heating problems, fires, and other costly surprises later. Use this fall home maintenance checklist to help protect your home, family, and insurance coverage.

1. Clean Your Gutters and Downspouts

Leaves, twigs, and debris can block gutters and prevent water from draining properly. When water backs up, it may damage your roof, siding, foundation, or interior walls.

Before winter arrives:

  • Remove debris from gutters.
  • Check for loose or damaged sections.
  • Make sure downspouts direct water away from the foundation.
  • Inspect gutter connections for leaks.
  • Consider gutter guards if falling leaves are a recurring problem.

In colder climates, clogged gutters may also contribute to ice dams. These form when melting snow refreezes near the edge of a roof, potentially forcing water beneath the shingles.

2. Inspect Your Roof

Your roof is one of your home’s most important defenses against wind, rain, snow, and falling debris. Small problems can quickly become serious once winter weather begins.

Look for:

  • Missing, cracked, or curling shingles
  • Damaged flashing around vents and chimneys
  • Sagging areas
  • Moss or heavy debris
  • Signs of water inside the attic
  • Loose branches hanging over the roof

Consider hiring a qualified roofing professional if you cannot inspect the roof safely. Never climb onto a wet, icy, or steep roof.

Remember that homeowners insurance generally covers sudden and accidental damage from covered events. It typically does not pay for deterioration caused by age, poor maintenance, or normal wear and tear.

3. Schedule a Heating-System Checkup

Do not wait for the first freezing night to discover that your furnace is not working properly. A professional inspection can help identify worn components, airflow problems, and safety concerns.

You should also:

  • Replace or clean the furnace filter.
  • Test the thermostat.
  • Clear items away from heating equipment.
  • Vacuum dust from vents and registers.
  • Make sure exterior vents are unobstructed.
  • Have chimneys and fireplaces inspected and cleaned when needed.

Regular maintenance may improve efficiency, reduce energy costs, and lower the risk of a heating-related fire.

4. Test Smoke and Carbon Monoxide Alarms

Homes are often closed more tightly during fall and winter, while fireplaces, furnaces, and portable heaters receive more use. That makes working smoke and carbon monoxide alarms especially important.

Test every alarm and replace batteries when necessary. Replace alarms that have reached the end of their recommended service life.

Your family should also have a fire escape plan that identifies:

  • Two possible exits from each room
  • A meeting place outside
  • A plan for children, older adults, and pets
  • The location of fire extinguishers
  • Who will call emergency services

A working alarm may provide the extra moments your family needs to escape safely.

5. Protect Your Pipes From Freezing

Frozen pipes can burst and release a large amount of water into your home. Pipes located in basements, crawl spaces, garages, exterior walls, and unheated areas may be particularly vulnerable.

Before temperatures fall:

  • Insulate exposed water pipes.
  • Seal openings that allow cold air to reach plumbing.
  • Disconnect and drain outdoor hoses.
  • Shut off exterior water lines when appropriate.
  • Know where your main water shutoff valve is located.
  • Keep indoor temperatures at a safe level, even while traveling.

If extremely cold weather is expected, opening cabinet doors beneath sinks can help warm air circulate around the plumbing. A small drip from a vulnerable faucet may also help relieve pressure, but consult a plumbing professional for advice appropriate to your home and climate.

6. Seal Windows and Doors

Gaps around windows and doors allow warm air to escape and cold air to enter. They can also allow moisture and pests into the home.

Walk around the interior and exterior of your house and look for:

  • Cracked caulking
  • Damaged weatherstripping
  • Gaps around doors
  • Loose window frames
  • Cracks around utility openings
  • Areas where daylight is visible

Caulking, weatherstripping, and door sweeps are relatively inexpensive improvements that may make your home more comfortable and energy-efficient.

7. Prepare Your Fireplace and Chimney

A fireplace can make a fall evening feel warm and inviting, but creosote buildup, blocked chimneys, and damaged components can create serious hazards.

Before using your fireplace:

  • Schedule a chimney inspection and cleaning.
  • Check the damper.
  • Use a sturdy fireplace screen.
  • Burn only dry, seasoned wood.
  • Keep furniture and decorations a safe distance away.
  • Place ashes in a metal container with a tight-fitting lid.

Never leave a fire unattended, and do not dispose of ashes until they are completely cool.

8. Trim Trees and Remove Yard Hazards

Branches weakened by age, disease, or storms may fall under the weight of wind, rain, snow, or ice. They can damage roofs, vehicles, fences, utility lines, and neighboring property.

Inspect trees around your home and remove:

  • Dead or damaged branches
  • Limbs touching the roof
  • Branches hanging over driveways
  • Vegetation blocking walkways
  • Leaves that create slipping hazards
  • Dead plants located near exterior walls

Large or high branches should be handled by a qualified tree-care professional. Avoid working near power lines.

9. Improve Outdoor Lighting and Walkway Safety

Days become shorter during fall, which means family members and visitors may arrive after dark. Good lighting can help prevent falls and discourage unwanted activity around your home.

Check:

  • Porch and entry lights
  • Motion-activated security lights
  • Steps and handrails
  • Driveways and walkways
  • Loose pavers or uneven concrete
  • Accumulated wet leaves
  • House numbers visible from the street

Keeping entrances clear and well-lit is a simple way to improve both safety and security.

10. Store Outdoor Equipment Safely

Patio furniture, grills, gardening tools, and recreational equipment should be cleaned and secured before winter.

Fall is a good time to:

  • Store or cover patio furniture.
  • Clean and safely store gardening tools.
  • Secure trampolines and outdoor play equipment.
  • Drain fuel or follow manufacturer storage instructions for lawn equipment.
  • Move flammable materials away from heating sources.
  • Never store propane cylinders inside the home or an attached garage.

If you use a generator, review its operating instructions before an emergency. Generators should always be operated outdoors and safely away from windows, doors, and vents.

11. Create a Home Inventory

A home inventory is a detailed record of your personal belongings. It can be extremely helpful if you experience a fire, theft, or major property loss.

Walk through each room and record:

  • Furniture
  • Electronics
  • Appliances
  • Clothing
  • Tools
  • Jewelry
  • Collectibles
  • Sporting equipment
  • Other valuable belongings

Take photographs or video and save receipts for larger purchases. Keep copies of the inventory somewhere other than your home, such as secure cloud storage.

12. Review Your Homeowners Insurance

Home values, repair costs, and personal belongings can change over time. Your insurance should change with them.

Ask your insurance agent to review:

  • Dwelling replacement-cost limits
  • Personal-property coverage
  • Loss-of-use coverage
  • Water and sewer backup protection
  • Service-line coverage
  • Equipment breakdown
  • Flood and earthquake exclusions
  • Jewelry and other valuable-item limits
  • Personal liability and umbrella insurance
  • Discounts for alarms, updated systems, or bundled policies

Do not assume every type of water or weather damage is automatically covered. Flooding, sewer backups, maintenance problems, and gradual deterioration may be excluded or require additional coverage.

Prepare Now and Enjoy the Season

Fall home maintenance is about more than checking items off a list. It is about protecting the place where your family lives and reducing the likelihood of costly disruptions during the colder months.

A few hours spent cleaning gutters, inspecting the roof, servicing the furnace, and protecting pipes could prevent a much larger problem later.

This fall, take time to prepare your home and contact your local independent insurance agent for a coverage review. Together, you can identify potential gaps and make sure your protection is ready for the season ahead.

Three of the Hottest Insurance Topics in 2026

Posted under Benefits of Being Independent, Commercial Insurance, Cyber Liability, Risk Mangement.

Insurance is changing quickly. Severe weather, sophisticated cyberattacks, artificial intelligence, rising repair costs, and changing legal risks are influencing how policies are priced and what insurers require from their customers.

For families and business owners, these trends make it increasingly important to review coverage, understand exclusions, and take practical steps to reduce risk. Here are three of the most important insurance topics in 2026.

1. Property Insurance Is Becoming More Focused on Risk Prevention

Wildfires, severe thunderstorms, hurricanes, flooding, and other natural disasters continue to affect property insurance availability and pricing. Insurers are using more detailed information, including satellite imagery, catastrophe models, building characteristics, and geographic data, to evaluate individual properties.

Natural catastrophes are now regularly producing more than $100 billion in worldwide insured losses annually, keeping climate and catastrophe exposure near the top of insurers’ concerns. Markel’s 2026 insurance trend analysis identifies elevated catastrophe losses and climate risk as major factors affecting underwriting.

However, the insurance market is not moving in only one direction. According to Marsh’s Global Insurance Market Index, global commercial property rates declined during the second quarter of 2026 as capacity and insurer competition improved. The best results, however, continued to go to properties with strong risk management.

What property owners should do

Homeowners and business owners should look beyond the premium and ask:

  • Is the building insured for its current replacement cost?
  • Are flood, earthquake, sewer backup, and equipment breakdown excluded?
  • Does the policy include ordinance or law coverage?
  • Are roofs, electrical systems, plumbing, and heating systems properly maintained?
  • Are wildfire, wind, water, and security protections documented?
  • Would the available loss-of-use or business-interruption coverage last long enough?

Preventive improvements may not eliminate premium increases, but they can make a property more attractive to insurers and reduce the likelihood or severity of a loss.

The takeaway

Insurance is increasingly becoming a partnership in risk prevention. Property owners who maintain their buildings, document improvements, and address hazards early may have more coverage options than those who wait until renewal to react.

2. Cyber Insurance Is Becoming Essential for Small Businesses

Cybercrime is no longer only a large-company concern. Small and midsize businesses are frequently targeted because criminals expect them to have fewer security controls.

The threats are also changing. While ransomware remains serious, many losses now begin with an email. An employee may receive a realistic message that appears to come from an executive, customer, vendor, or financial institution. Artificial intelligence can make these scams more convincing by helping criminals create polished emails, cloned voices, and realistic fake communications.

Coalition’s analysis of claims from more than 100,000 policyholders found that business email compromise and funds-transfer fraud accounted for 58% of reported cyber claims. It also found that 71% of funds-transfer fraud claims resulted directly from social engineering. Initial ransomware demands increased 47%, averaging more than $1 million. Coalition 2026 Cyber Claims Report

What cyber insurance may cover

Depending on the policy, cyber insurance may help with:

  • Data restoration and system recovery
  • Cyber extortion and ransomware response
  • Business interruption
  • Customer notification
  • Forensic investigations
  • Legal and regulatory expenses
  • Public relations and reputation management
  • Funds-transfer fraud and social engineering
  • Claims brought by customers or other affected parties

Not every cyber policy automatically includes every one of these protections. Social-engineering and funds-transfer coverage may have separate limits, conditions, or verification requirements.

Security and insurance must work together

Businesses should consider implementing:

  • Multifactor authentication
  • Regular data backups stored separately from the network
  • Employee phishing and fraud training
  • Software updates and security patches
  • Payment-verification procedures
  • Restricted administrative privileges
  • A written incident-response plan

One particularly effective practice is to require employees to verify any unusual request to change bank information or transfer funds by calling a known telephone number—not the contact information included in the request.

The takeaway

Cyber insurance can provide financial protection and access to specialized response services, but it should be paired with strong security practices. The goal is not simply to recover from an attack. It is to prevent the attack from succeeding.

3. Artificial Intelligence Is Changing Underwriting and Claims

Artificial intelligence is quickly becoming part of nearly every stage of the insurance process. Insurers are using it to analyze applications, inspect properties, identify fraud, estimate damage, evaluate renewals, assist customers, and process claims.

The National Association of Insurance Commissioners reports that insurers are using or exploring AI and machine-learning models across auto, home, life, and health insurance. In its industry surveys, 88% of responding auto insurers and 70% of responding homeowners insurers said they use, plan to use, or plan to explore these technologies.

AI may help insurers:

  • Process applications faster
  • Review photographs of property or vehicle damage
  • Identify missing information
  • Detect patterns associated with fraud
  • Provide faster customer service
  • Recognize risks before they result in a claim
  • Create more individualized underwriting decisions

But greater automation also creates important questions about accuracy, privacy, transparency, and fairness. An incorrect property record, outdated inspection image, or inaccurate consumer report could influence an underwriting decision.

State regulators are therefore emphasizing written AI-governance programs, consumer protection, fairness, and human oversight. The NAIC says insurers remain responsible for complying with insurance laws even when automated systems support their decisions.

What consumers should do

If an insurance decision appears to be based on inaccurate information:

  1. Ask the insurer or agent for a clear explanation.
  2. Request the opportunity to correct outdated or incorrect records.
  3. Provide photographs, receipts, inspections, or other supporting documents.
  4. Ask whether a human underwriter can review the decision.
  5. Keep copies of all communications.

Technology may make insurance faster, but professional advice remains valuable. An experienced insurance agent can help identify incorrect assumptions, explain coverage differences, and advocate for a more complete review.

What These Trends Have in Common

Climate risk, cybercrime, and artificial intelligence may appear to be separate issues, but they share one important lesson: insurance can no longer be treated as a product that is purchased once and forgotten.

Today’s policyholders need to be more proactive. That means maintaining property, improving cybersecurity, correcting inaccurate information, understanding exclusions, and reviewing coverage regularly.

Is It Time for an Insurance Review?

A good insurance review should address more than price. It should determine whether your policies reflect your current property values, business operations, technology risks, liability exposures, and financial needs.

Consider scheduling a review if you have recently:

  • Renovated or purchased property
  • Added vehicles, equipment, or employees
  • Increased your use of technology
  • Started accepting online payments
  • Changed vendors or business operations
  • Experienced a significant increase in revenue
  • Received a large renewal increase
  • Gone several years without reviewing your coverage

The insurance marketplace is changing, but preparation still makes a difference. Talk with an experienced independent insurance agent to identify potential gaps, compare available options, and build an insurance program designed for the risks you face today not the risks you faced several years ago.

Agents Help Business Owners with Insurance and Risk Management

Posted under Commercial Insurance, Risk Mangement, Workers Compensation.

Running a business means juggling a thousand responsibilities—managing operations, employees, finances, and more. Insurance and risk management might not always be top of mind, but having the right protection in place can make all the difference when something goes wrong.

That’s where a good insurance agent comes in. Here are five key ways agents help business owners stay protected and prepared:

1. Identifying the Right Coverage for Your Business

Every business is different. A restaurant has different risks than a contractor, a retail shop, or a tech firm. Agents dig into the details of your operations to understand your exposures and tailor a policy that fits—not just a generic off-the-shelf solution.

What this means for you: You’re not overpaying for what you don’t need or underprotected where it matters most.

2. Explaining the Fine Print

Insurance policies can be confusing. From exclusions to endorsements, there’s a lot of detail that can easily be missed. Agents break it all down, so you understand what’s covered, what’s not, and how your policy works.

What this means for you: No surprises when it’s time to file a claim.

3. Helping You Manage and Minimize Risk

Insurance is just one part of the puzzle. A strong agent also helps you identify risks before they become problems—things like unsafe work environments, cyber vulnerabilities, or outdated procedures.

What this means for you: Fewer claims, better safety, and sometimes even lower premiums.

4. Keeping Your Coverage Up to Date

As your business grows or changes, so should your insurance. Agents provide regular reviews to make sure your policies keep up with your evolving needs—new equipment, additional staff, expanding services, or new locations.

What this means for you: Peace of mind knowing you’re always covered properly.

5. Being There When You Need Support

When a claim happens, it’s stressful. A great agent doesn’t disappear after the sale. They help you navigate the claims process, advocate on your behalf, and make sure you’re treated fairly.

What this means for you: You’re not dealing with it alone.

A trusted insurance agent is more than a policy seller—they’re a risk advisor, problem solver, and long-term partner in your business success. By working with someone who understands your industry and has your back, you can focus more on growing your business and less on worrying about what could go wrong.

Want to see how we can help your business? Let’s connect. A quick conversation could uncover coverage gaps, risk exposures, or cost-saving opportunities.

What To Do When You Have An Insurance Claim

Posted under Homeowner’s Insurance, Personal Insurance.

Personal insurance is designed to provide financial resources in the event of an unplanned accident or loss. Most people have at least one insurance claim, and it is reassuring to know you have the resources to help you get back on your feet after a covered loss.

Home Insurance Claim

Having your home damaged or destroyed by a fire can be emotionally and financially devastating. It can be overwhelming trying to rebuild your life after a fire, but if you have the right kind of homeowner’s insurance, you may not have to deal with a ruinous financial loss. Here is our guide to help you manage the process of restoring your home and property.

Home Insurance 

  • First, call 911 from a safe location to deal with any fire emergency.
  • Call family members to let them know you are ok.
  • Call your insurance company as soon as possible.
  • Make every attempt to minimize the loss and/or damage.
  • Fill out all information requested by the insurance company.
  • Make a list of all damaged or destroyed property.
  • Start to establish a replacement cost of damaged/destroyed property.
  • Make repairs if needed to prevent further damage.
  • Do not go back into your home if it is unsafe.
  • It is ok to ask questions to make sure you are satisfied.

What To Do After An Auto Accident

Automobile accidents happen every day. Although no one wants to experience an auto accident, knowing what to do in case one happens to you could soften the impact on your life in the days and weeks to follow. You purchase auto insurance to help you through accidents when, or if, they happen. If you have an auto accident,we are here to help you. You may always call us to help you through the process.

  • If you are involved in an accident, think about your safety and those around you before thinking about insurance. The first priority is to check for injuries at the scene. Call 911 for medical help if anyone at the scene is injured. Notify the police as soon as possible.
  • Try to protect the scene; don’t move vehicles unless the police instruct you to.
  • Obtain the names, addresses, and telephone numbers of all persons involved, including passengers and witnesses. It is a good idea to look at driver’s licenses. Record the license plate numbers of all cars involved. Get complete Insurance information, including policy numbers. Having the agent’s name and the number is also beneficial.
  • Never admit an accident was your fault, even if you think it was. An apology can be construed as an admission of fault. Let the authorities determine who was responsible. Auto accidents can be disorienting even if you are not physically injured. You may not be aware of all factors leading up to the crash.
  • Contact your agent or company as soon as possible. Have the basic facts ready, like your policy number, claim information, and contact information. 
  • Prevent further damage. If your vehicle is damaged and is in need of repair, get a quote from an auto body shop.  
  • Start to document the loss. Take photos, keep all receipts, and obtain the contact information of all people involved. Don’t throw out damaged property or other expensive items until an adjuster has seen them. You may need this documentation if the insurance company gives you a lower payout than expected, and you need to appeal. 
  • Always submit your claim in writing (email) with all receipts and a cover letter. 
  • Most consumers find that their claim is paid quickly, easily, and fairly. This is another reason to have an agent on your team. We can help get you the best possible settlement.

Try to Avoid These Common Mistakes

  • Failing to read your policy. Read your policy to understand your obligation, what is covered, and the insurance company’s duties to you.
  • Lack of documentation. Make sure you document conversations and information.
  • Failure to cooperate with your insurer. You have an obligation to cooperate with your insurer. They are there to help you, and the more you help them, the better off you will be.
  • Not saving damaged property. You will need to save all damaged property until the adjuster or salvage company documents the loss.
  • Paying a contractor directly. Don’t pay contractors directly, unless the work is outside the scope of the insurance coverage. Even then, check with your insurer first.
  • Not being proactive. You will need to be actively communicating with your adjuster and insurer.

Slip Right Into Watercraft Insurance

Posted under Personal Insurance.

A Personal Insurance Update

In 2025, the Coast Guard counted 4,463 accidents that involved 701 deaths, 2,903 injuries and approximately $49 million dollars of damage to property as a result of recreational boating accidents. Where the cause of death was known, 80% of fatal boating accident victims drowned. Of those drowning victims with reported life jacket usage, 83% were not wearing a life jacket.  These are all good reasons to have watercraft insurance.

We know all boaters are busy preparing their boats for spring and summer use. Remember, having the proper boat insurance will help ensure your activities are covered. Here are a few thoughts to help you as you prepare your boat for spring and summer use.

  • Have us review your boat insurance to make sure you are covered properly.
  • Make sure your boat trailer is insured.
  • Inspect your boat before heading out.  Check for hull damage and loose fittings.  If the boat has a plug, make sure it fits.
  • Check the battery.  If it has been a few years since the battery was replaced, it may be time.
  • Check all lights and the horn.  You may have wiring that needs to be repaired for proper night use. Electrical fittings can be protected with a water-repellant, non-conductive grease or corrosion inhibitor.
  • Test all life jackets to make sure they are in good working order.
  • Take care of the engine.   Flush your engine after every outing, and check everything from your fuel tanks to the clamps on your fuel line for rust, damage or corrosion.  Also, check your oil for correct levels, proper filtration, and cleanliness.
  • Check the tires on your trailer.
  • Make sure the bilge pump is properly working. Check all fittings and test the pump before use.
  • Do some research about boating laws and regulations. You might even consider taking a boating safety course. And never drink and drive a boat.

Remember, we provide insurance solutions for all your boating, RV, motorcycle and ATV needs.

The State of the Cyber Insurance Market

Posted under Commercial Insurance, Cyber Liability.

Five of the Year’s Biggest Breaches Illustrate How the Cyber Insurance Market Finds Itself at a Crossroads

The cyber insurance market has reached a defining moment. In 2026, several high-profile data breaches and ransomware attacks have shown just how much is at stake for businesses of every size. These incidents have also reshaped how insurers underwrite, price, and manage cyber risk.

At our agency, we have seen firsthand how the landscape is shifting. The lessons learned from these major breaches are driving stronger requirements, smarter coverage, and a renewed focus on prevention.

1. Rising Frequency and Severity of Attacks

The first major trend is clear: cyber incidents are increasing both in number and in impact. Several 2025 breaches have resulted in millions of exposed records and ransom payments in the tens of millions. The costs now extend well beyond data loss, affecting supply chains, customer trust, and even stock valuations.

For insurers, these escalating losses have forced a reevaluation of pricing and capacity. Many carriers are tightening underwriting standards and limiting aggregate exposure in high-risk sectors such as healthcare, financial services, and logistics.

What this means for businesses: Cyber coverage is still available, but it now requires more documentation, stronger controls, and a willingness to adopt best practices in data protection.

2. Stricter Underwriting and Security Requirements

The days of buying cyber coverage with minimal underwriting are over. Insurers now expect applicants to meet specific security standards before binding coverage. This includes multifactor authentication, endpoint monitoring, regular patching, and employee phishing training.

Companies that cannot demonstrate strong cyber hygiene may face higher premiums or limited coverage. Those who invest in modern controls are being rewarded with better pricing and broader protection.

Our advice: Review your cybersecurity posture before renewal. Completing a risk assessment and implementing insurer-recommended controls can improve both eligibility and affordability.

3. Policy Language Under the Microscope

Several of the year’s most significant breaches have led to legal disputes over coverage definitions, especially regarding ransomware, data restoration, and system interruption. Insurers and policyholders alike are paying closer attention to exclusions, waiting periods, and incident response limits.

This trend is driving a move toward more explicit contract language and more standardized policy forms. Businesses that review and understand these terms before a loss are less likely to face unpleasant surprises when filing a claim.

Our role: We help clients analyze policy wording line by line to ensure it matches their technology environment and exposure.

4. Expanding Coverage Beyond Traditional Risks

In 2025, the definition of cyber risk has grown. Breaches are now linked to physical damage, reputational loss, and third-party liability. For example, attacks on connected devices, industrial systems, and AI-powered tools have blurred the line between digital and physical harm.

Insurers are responding with hybrid policies that combine cyber, property, and crime protections under a single program. This more holistic approach reflects the reality that cyber risk touches every part of modern business.

Our recommendation: Evaluate whether your cyber policy addresses operational downtime, supply-chain disruption, and reputational costs — not just data theft.

5. A Market Moving Toward Balance

After years of volatility, the cyber insurance market in 2025 is moving toward a more sustainable equilibrium. Rates have stabilized after several years of steep increases, and new capacity is entering the market as carriers gain access to improved data and modeling tools.

For buyers, that means greater stability and more choices provided they can meet today’s higher security expectations. The relationship between insureds and insurers is becoming more collaborative, focusing on prevention rather than reaction.

Our perspective: The 2025 inflection point presents an opportunity. Businesses that adopt stronger cybersecurity practices can now benefit from enhanced coverage, improved claims support, and potentially lower long-term costs.

Cyber insurance is no longer a niche product it is a necessity. The events of 2025 have underscored that every business, regardless of size or industry, is a potential target. At the same time, they have shown that insurers and clients can work together to build stronger, smarter defenses.

Our agency partners with top-tier cyber carriers and security experts to help clients protect their data, their reputation, and their bottom line. If you have not reviewed your cyber coverage recently, now is the time to do so.

Personal Umbrella Insurance…  A Needed Coverage

Posted under Homeowner’s Insurance, Personal Insurance.

You’ve worked hard to earn your lifestyle. Add additional liability protection to your Auto, Home, Renters, or Condo policy. Personal Umbrella Liability coverage added to your other policies can protect you, your spouse, and any relatives living in your home for $1 million or more.

Umbrella Protection

Umbrella Insurance provides extra protection or limits above the liability insurance you currently have. Just as an umbrella protects you from heavy rain, an umbrella insurance policy protects you from losing the entirety of your wealth and assets in the event of a claim. Umbrella insurance can provide limits above your business insurance, personal auto and home policies.

Umbrella insurance provides broad insurance beyond traditional insurance. It provides additional liability coverage above the limits of your primary insurance policies. It can also provide coverage for claims that may be excluded by the primary policies

It is true that personal umbrella insurance may not be for business or individual, but if you are a business, wanting to protect your company’s resources, building financial resources for your future, are a professional, own your home, boat or recreation vehicle, you should consider an umbrella insurance policy.  Having the added protection of an umbrella insurance policy is coverage no one should go without. Call us today, for a free review.

High Net Worth Individuals

Do you own a boat, second home or have other expensive toys? Often high net worth individuals need higher liability limits to protect personal assets. A simple rule is, the more you own the greater risk you may have of losing it. The nice thing about an umbrella policy is that it is competitively priced. Usually, it costs about $300 per year for each $1,000,000 increment of insurance that you buy, and it can bring you great piece of mind.