When the Storm Clears: The Harsh Reality of Underinsurance

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

Severe weather events, such as wildfires, hurricanes, floods, and hailstorms, have become more frequent and more destructive. But for many homeowners, the real damage begins after the skies clear. That’s when they discover something even more devastating: their insurance coverage is not enough… or worse, not available at all.

Across the country, especially in high-risk areas, insurers are pulling back. Some are raising rates significantly. Others are refusing to renew policies or are exiting certain markets altogether. For homeowners trying to rebuild after a major storm, this can mean delays, denials, or financial shortfalls that make recovery nearly impossible.

One of the most significant issues is underinsurance. Many policies haven’t kept pace with inflation or rising construction costs. That means a home insured for $300,000 in 2018 might cost $400,000 or more to rebuild today but the policy hasn’t been updated. When disaster strikes, the gap between actual rebuilding costs and insurance payouts can leave families with massive out-of-pocket expenses.

Even more concerning is the growing number of homeowners who can’t get coverage at all. In some wildfire-prone or flood-prone regions, insurers are becoming scarce. New policies come with sky-high premiums or reduced coverage, forcing homeowners to turn to last-resort state-run programs that may offer limited protection.

So what can homeowners do?

First, review your policy regularly. Make sure your coverage reflects current rebuilding costs, not just your mortgage or purchase price. This includes reviewing endorsements for items such as extended replacement cost or ordinance and law coverage.

Second, work with a local, independent insurance agent. They often have access to a wider range of carriers and can help you find creative solutions especially in harder-to-insure areas.

Finally, take steps to mitigate risk. Home improvements like fire-resistant roofing, storm shutters, or elevating a structure in a flood zone may make you more insurable and reduce your premium.

Nature is unpredictable. But your coverage doesn’t have to be. Taking action before the next storm could make all the difference when it’s time to rebuild.

Why Contractors Should Consider Excess Liability Insurance

Posted under Commercial Insurance, Workers Compensation.

In construction, risk comes with the job. From scaffolding accidents to lawsuits over property damage, even the most cautious contractors can find themselves facing serious claims. The question is will your current insurance limits be enough when the unexpected happens?

If you’re a general contractor, subcontractor, or specialty tradesman, it’s time to take a closer look at Excess Liability Insurance, an essential layer of protection that could save your business.

What Is Excess Liability Insurance?

Excess liability insurance, often referred to as umbrella coverage for businesses, is a policy that provides additional coverage beyond the limits of your primary general liability, commercial auto, or employers’ liability policies.

Think of it like this:
If your general liability policy covers $1 million and you’re sued for $2 million, excess liability kicks in to cover the remaining amount (up to your excess policy limit).

Why Contractors Need It More Than Ever

1. Construction Claims Are Increasing

Lawsuits are on the rise, and so are settlement amounts. A single job site incident involving injury or significant property damage can result in claims that exceed standard policy limits.

 Real Example: A subcontractor’s employee is seriously injured due to faulty scaffolding. Medical bills and legal judgments surpass $1.5 million. Without excess liability, the contractor would be responsible for the difference out of pocket.

2. Your Clients May Require It

More and more project owners, municipalities, and general contractors require subcontractors to carry excess liability before awarding work. It’s seen as a sign of financial responsibility and professionalism.

Our Tip: Carrying excess liability insurance can give you a competitive edge when bidding for larger or more complex jobs.

3. It Covers the Big Mistakes (and the Expensive Ones)

Standard liability policies have limits. If a lawsuit or settlement pushes beyond those limits, your company’s assets and your future are on the line.

Excess liability ensures your business can survive a major claim. It’s not just protection for today, it’s peace of mind for tomorrow.

4. It’s Cost-Effective Protection

Excess liability insurance is relatively affordable compared to the high-dollar protection it provides. A few extra dollars a month could save you hundreds of thousands in a serious claim.

Value Check: For many small-to-mid-sized contractors, a $1–$5 million excess policy costs less than you’d spend on replacing a stolen tool trailer.

5. It Covers Multiple Policies

Excess liability doesn’t just sit above your general liability; it can extend over your commercial auto and employers’ liability as well. That means if you cause a major accident with your work truck or face a serious injury claim from an employee, you’ve got a backup plan.

Key Industries That Should Strongly Consider Excess Liability:

  • General Contractors
  • Concrete and Masonry
  • Roofing and Siding
  • Electrical and Plumbing
  • HVAC and Mechanical
  • Earthmoving and Grading
  • Commercial Builders and Remodelers

If your business is on that list or if you regularly take on projects with subcontractors or complex risk excess liability isn’t optional. It’s essential.

Let’s Talk About the Right Limit for You

At [Your Agency Name], we specialize in helping contractors understand, customize, and secure the right insurance protection. We’ll help you determine:

  • How much excess liability you may need
  • Which underlying policies it should support
  • How to present it in your bids and contracts
  • And how to keep the cost within budget

Protect Your Work. Protect Your Livelihood.

One large claim shouldn’t be the reason you lose your business. Excess liability insurance helps make sure it isn’t.

We help contractors build with confidence one policy at a time.

How the Right Insurance Can Help You Reduce Summer Losses

Posted under Homeowner’s Insurance, Personal Insurance, Safety.

Summer is a time for fun, travel, and outdoor activities—but it also brings a spike in accidents and insurance claims. From backyard parties and boating outings to road trips and home renovations, the warmer months carry increased risks for homeowners, renters, and business owners alike.

We believe that prevention and protection go hand in hand. Here are some common summer accidents—and how the right insurance can help you reduce risk and recover faster.

1. Backyard and Pool Accidents

Pools, trampolines, and even a slippery patio can lead to serious injuries. Hosting summer BBQs? A guest could easily trip, fall, or worse.

How to Protect:

  • Ensure your homeowners policy has sufficient liability coverage.
  • Consider a personal umbrella policy for additional protection.
  • Install proper fencing, non-slip surfaces, and always supervise children.

2. Boating and Watercraft Mishaps

Boating accidents rise in the summer due to more traffic and less experience on the water. Collisions, injuries, and property damage can turn a relaxing day into a costly disaster.

How to Protect:

  • Carry boat insurance, even if it’s not legally required in your state.
  • Ensure liability, hull damage, and uninsured boater coverage are included.
  • Wear life jackets and avoid boating under the influence.

3. Auto Accidents During Summer Travel

More people hit the road in summer, which means more distracted drivers, construction zones, and increased accident risks—especially for families on vacation.

How to Protect:

  • Make sure your auto insurance includes adequate liability, collision, and roadside assistance.
  • Consider rental car coverage if you’re traveling.
  • Perform a vehicle safety check before any road trip.

4. Contractor or Renovation-Related Claims

Summer is prime time for home improvement. But hiring contractors without the proper checks can result in accidents, damage, or uninsured claims.

How to Protect:

  • Ask contractors for proof of liability insurance and workers’ comp.
  • Update your home insurance if you’re adding square footage or new structures.
  • Consider a builder’s risk policy for major renovations.

5. Business Risks During Outdoor Events

Restaurants, vendors, and event organizers often expand operations outdoors in summer. But tents, stages, grills, and crowds increase liability exposure.

How to Protect:

  • Ensure your commercial general liability covers off-site events.
  • Add event liability insurance for one-time functions.
  • Use proper signage, staffing, and crowd control measures.

Don’t Let Summer Surprises Derail Your Season

Accidents can’t always be prevented but the right insurance helps you recover faster, with less stress and fewer financial headaches. Whether it’s your home, car, boat, or business, we’re here to help you protect what matters.

Are Settlements and Jury Awards Increasing Against Homeowners?

Posted under Uncategorized.

Q: Are settlements and jury awards increasing against homeowners in 2025?

A: Yes—and every homeowner should be aware of it.

Over the past few years, we’ve seen a notable rise in the number and size of liability claims filed against homeowners. From dog bites and slip-and-falls to social media lawsuits and property damage, the legal landscape is changing, and homeowners are increasingly finding themselves in the crosshairs.

Let’s break down what’s happening and what you can do to protect yourself.

Why Are Jury Awards Getting Bigger?

More Lawsuits:

It’s become easier and more common for individuals to pursue legal action. Attorneys are more aggressive, and many operate on a contingency fee basis—meaning no upfront cost to sue.

Social Inflation:

This industry term refers to the growing trend of larger jury awards and settlements, driven by changing public attitudes and expectations. People today are more likely to award higher damages, especially for pain and suffering.

Medical Costs Are Rising:

When someone is injured on your property, medical costs and ongoing care can add up fast—and you could be held liable.

More Complex Liability Risks:

Hosting a party, hiring a contractor, even what your kids post online can lead to claims. Liability isn’t just physical anymore—it’s digital too.

What Can Homeowners Do to Protect Themselves?

1. Maintain Sufficient Liability Coverage

Standard home insurance policies typically include $100,000 to $300,000 in liability coverage—but that may no longer be enough. A severe injury claim or lawsuit could easily exceed that.

2. Add a Personal Umbrella Policy

An umbrella policy provides extra liability coverage—typically starting at $1 million—and kicks in when your homeowners policy maxes out. It’s surprisingly affordable for the protection it provides.

3. Understand Your Exposures

We help our clients review risk areas they may overlook, like rental properties, pool safety, trampolines, pets, and teen drivers.

4. Keep Records and Stay Proactive

Keeping walkways clear, maintaining your property, and documenting safety efforts can reduce your risk and help defend you if a claim arises.

The Bottom Line

Settlements and jury awards are increasing—and so is your potential financial exposure as a homeowner. The good news? You don’t have to face that risk alone.

We help you review your liability coverage, explore umbrella protection, and create a smart insurance plan that keeps you protected in today’s legal environment.

Let’s talk about how to shield your assets and your future. Contact us today for a free coverage review.

Understanding Personal Insurance

Posted under Uncategorized.

A Q&A with a Local Insurance Agent

Personal insurance plays a vital role in protecting your home, car, and financial future. We sat down with a local insurance agent to ask the most common questions people have about personal insurance and got straightforward, helpful answers.

Q1: What is personal insurance, and why do I need it?

Agent: Personal insurance covers your individual assets and liabilities. This includes your home, vehicles, valuables, and protection against lawsuits or accidents. Life is unpredictable—personal insurance gives you financial security and peace of mind when unexpected events happen.

Q2: What’s the difference between home insurance and renters insurance?

Agent: Home insurance is for property owners and protects the structure, personal belongings, and liability. Renters insurance doesn’t cover the building, but it protects your possessions inside and offers liability coverage. Both are essential depending on your living situation.

Q3: How much auto insurance do I really need?

Agent: At a minimum, you need to meet your state’s legal requirements. But we often recommend higher limits, especially liability coverage, to protect your assets if you’re at fault in a serious accident. Coverage like comprehensive and collision helps pay for damage to your own vehicle, too.

Q4: What’s a personal umbrella policy, and who should get one?

Agent: A personal umbrella policy offers extra liability protection on top of your home and auto policies. If you’re sued for a large amount, it kicks in after your standard policy limits are exhausted. It’s ideal for people with assets to protect, kids driving, pets, or frequent visitors at home.

Q5: How often should I review or update my policies?

Agent: At least once a year—or anytime you have a major life change like buying a home, getting married, having a child, or buying a new vehicle. An annual review helps make sure you’re properly covered and not overpaying.

Q6: Does my homeowners insurance cover flooding or earthquakes?

Agent: No, standard homeowners policies usually exclude flood and earthquake damage. These require separate policies. If you live in a high-risk area, we can help you explore options for added protection.

Q7: What should I know about insuring valuable items like jewelry or art?

Agent: Most policies have limits on certain categories like jewelry, collectibles, or firearms. If you have high-value items, we recommend scheduling them separately (a “rider”) so they’re fully protected against theft, loss, or damage.

Q8: Can bundling home and auto insurance really save money?

Agent: Yes! Most carriers offer a multi-policy discount when you bundle, and it can simplify your billing and claims. Bundling can save 10% to 25% or more, depending on your provider and policies.

Q9: What factors affect my insurance rates the most?

Agent: For home, it’s things like location, age of the home, and claims history. For auto, it’s your driving record, credit, vehicle type, and even how far you commute. We shop multiple carriers to get you the best combination of price and coverage.

Q10: What’s the biggest mistake people make with personal insurance?

Agent: Underinsuring! Many people choose the cheapest policy without realizing how exposed they are in a serious claim. Our job is to help you understand the risk—and protect what matters most.

Have more questions or need a personal review of your coverage? We’re here to help. Contact us today for a no-obligation consultation.

Professional Liability Insurance: What Every Business Needs to Know

Posted under Uncategorized.

Why errors, omissions, and expert advice matter more than ever

In today’s business environment, professionals face increasing pressure to deliver quality results while navigating complex client demands. One simple mistake—like a missed deadline, miscommunication, or incomplete service—can lead to a costly lawsuit. That’s where professional liability insurance steps in.

Whether you call it Errors & Omissions (E&O), malpractice insurance, or professional indemnity coverage, this policy is essential for anyone who offers advice, designs, or specialized services.

What Is Professional Liability Insurance?

Professional liability insurance protects professionals against claims of negligence, mistakes, or failure to deliver promised services. It helps cover legal defense costs, settlements, and judgments—expenses that could otherwise cripple a business.

Coverage may include:

  • Negligent acts or errors
  • Missed deadlines or undelivered services
  • Alleged breach of contract
  • Copyright infringement
  • Misrepresentation or inaccurate advice

Unlike general liability insurance, which covers physical injury or property damage, professional liability focuses on the financial harm caused by professional mistakes or failure to perform.

Different Names, Same Purpose

Depending on your industry, this insurance might go by different names:

  • Medical malpractice insurance – For healthcare professionals
  • Errors & omissions (E&O) insurance – For consultants, financial advisors, real estate agents, and more
  • Directors and officers (D&O) insurance – For board members and executives making critical decisions

The common thread? All protect against the financial fallout from professional mistakes or accusations.

Why It Matters—Even If You’re Careful

Even the most experienced and detail-oriented professionals can face allegations of wrongdoing. Clients can sue not only for actual errors but also for perceived negligence. Without proper coverage, legal defense costs alone can be overwhelming.

Professional liability insurance gives you:

  • Peace of mind
  • Legal defense resources
  • Financial protection against costly claims
  • A more professional appearance to your clients

Tailored Coverage Is Key

Not all policies are created equal. Coverage varies by profession and risk exposure. Some industries—like tech, healthcare, and finance—require more robust coverage due to higher risks and stricter regulations.

Work with an experienced insurance advisor to:

  • Understand your specific exposures
  • Choose the right policy features
  • Ensure your limits match your business needs

Final Thoughts

Professional liability insurance isn’t just a good idea—it’s a business necessity. If your work involves providing advice, making decisions on behalf of others, or offering a specialized service, this coverage can protect your livelihood and reputation.

Need help reviewing your current policy or getting a quote? Contact us today to ensure your business is covered where it counts.

7 Tips to Prevent Lithium-Ion Battery Fires in Your Home

Posted under Homeowner’s Insurance, Safety.

From smartphones and laptops to e-bikes, power tools, and scooters—lithium-ion batteries are everywhere. While they’ve revolutionized convenience and mobility, they also come with a serious safety risk: fire.

More and more home insurance claims are tied to lithium-ion battery fires. When these batteries overheat or are damaged, they can ignite suddenly and burn intensely. Here are 7 essential tips to help protect your home and family.

1. Use the Charger That Came With the Device

Always use the manufacturer-approved charger and cable. Off-brand chargers may not have proper voltage control and can overcharge or overheat the battery.

2. Avoid Charging Overnight or Unattended

It’s tempting to leave devices plugged in overnight—but that’s also when most lithium battery fires start. Unplug as soon as the battery is full and avoid charging when you’re not home or awake.

3. Charge on Hard, Non-Flammable Surfaces

Never charge batteries on beds, couches, or near flammable materials. Use a flat, dry, and fire-resistant surface, like a countertop or concrete floor.

4. Don’t Ignore Signs of Damage or Swelling

If a device is overheating, leaking, has a strange odor, or the battery looks swollen—stop using it immediately. A damaged lithium battery can fail without warning.

5. Store Batteries Safely

Keep batteries away from direct sunlight, extreme heat, or cold. Don’t store them in your car, garage, or near water heaters and furnaces.

6. Buy Certified Devices and Batteries

Look for products that are certified by organizations like UL (Underwriters Laboratories). Cheaper knockoffs may not meet essential safety standards.

7. Dispose of Batteries Properly

Never throw lithium-ion batteries in the trash. They can spark fires in garbage trucks or landfills. Instead, take them to a certified recycling center or hazardous waste facility.

Why It Matters for Your Insurance

Fires caused by lithium-ion batteries are fast, hot, and destructive. If a fire starts, it could result in serious property damage or worse—injury to loved ones. Many homeowners are surprised to learn that fire damage from rechargeable devices is a growing category in home insurance claims.

By practicing these simple safety habits, you can reduce your risk, protect your home, and potentially avoid a costly claim.

Want a home insurance review to make sure you’re fully covered? Reach out today. We’ll help you understand your policy and ensure you have the right protection in place.

When To Call Your Insurance Agent… Now

Posted under Auto Insurance, Commercial Insurance, Homeowner’s Insurance, Life Insurance, Personal Insurance.

We strongly believe in developing relationships with our customers. Insurance is not a product; it is a trusted relationship between the agent, insurer, and customer. We are always ready and willing to help you better understand your insurance and help with any questions you may have. 

The Value of Your Local Independent Agent

  • Local independent insurance brokers can tailor your insurance coverage to your specific needs because they work directly with you and the insurance companies.
  • Insurance is what independent insurance agents live, think, and breathe. Because it’s their business, they’ll be able to explain any difficult policies or rate adjustments in a way you can trust. They’ve dealt with a variety of insurance providers throughout the years and are familiar with how each one operates.
  • Because your independent insurance agent is not employed by an insurance business, he or she is referred to as “independent.” They work with a variety of insurance carriers, but they are mostly focused on you!

Good Reasons To Connect With Your Agent

  • If you no longer live in your covered house, please contact us; your policy will need to be revised or amended to reflect this change.
  • If you purchase or receive new valuables such as jewelry, antiques, art, or collectibles, contact your agent to ensure you have adequate coverage.
  • You make the decision to work from home (home-based business). A basic business insurance policy might be necessary to protect you and your new venture.
  • You may need to make adjustments to your home insurance coverage if the people who live with you or in your home change. Your auto insurance rates may be affected by changes in your household as well.
  • Significant renovation or additions to your property will almost certainly necessitate a change in the amount of dwelling coverage on your home insurance policy.
  • Insurance is required for vacation homes, cabins, rental properties, hunting land, and leased property. Please contact us if you are interested in purchasing a new property or making changes to an existing one.

If you have any questions about your insurance; please call our office; we are here to help.

Five Things Every Homeowner Can Do to Prevent Losses and Save on Insurance Costs

Posted under Auto Insurance, Homeowner’s Insurance.

Owning a home is one of life’s biggest investments, and protecting it is crucial. While insurance provides a safety net, homeowners can take proactive measures to reduce losses, improve safety, and potentially lower insurance premiums. Here are five essential tips every homeowner should consider:

1. Install a Home Security System

Investing in a modern home security system can deter break-ins and protect your property. Most systems now include smart features like motion sensors, cameras, and remote monitoring through a smartphone app. Many insurance companies offer discounts for homes equipped with monitored security systems, as they significantly reduce the risk of theft.

2. Maintain Your Home’s Exterior

Regular upkeep of your home’s roof, siding, and foundation prevents costly damage from weather events or aging materials. Key tasks include:

  • Inspecting the roof for missing or damaged shingles.
  • Cleaning gutters to prevent water damage.
  • Sealing cracks in the foundation to avoid flooding or pest infestations.

Insurance providers often reward homeowners who take proactive measures to keep their property in good condition with lower premiums.

3. Upgrade to Safety Features

Adding or upgrading safety features in your home can prevent accidents and qualify you for additional discounts. Examples include:

  • Smoke detectors and carbon monoxide alarms on every floor.
  • Fire extinguishers in accessible areas like the kitchen.
  • Deadbolt locks and reinforced doors.
  • Storm shutters or impact-resistant windows for areas prone to severe weather.

4. Address Plumbing Issues Early

Water damage is one of the most common—and costly—home insurance claims. Protect your home by:

  • Inspecting for leaks regularly in sinks, toilets, and water heaters.
  • Replacing old pipes that may be prone to bursting.
  • Installing a water leak detection system, which can alert you to leaks and shut off water automatically.

Many insurers offer discounts for installing leak detection systems, as they help prevent expensive water damage claims.

5. Conduct Routine Maintenance and Upgrades

Regular maintenance reduces the likelihood of major repairs and demonstrates responsible homeownership. Some valuable upgrades and maintenance tasks include:

  • Upgrading electrical systems to handle modern appliances safely.
  • Pruning trees and shrubs to minimize the risk of falling branches during storms.
  • Securing outdoor structures like sheds and fences to withstand high winds.

In some cases, modernizing your home with energy-efficient appliances or solar panels can lead to additional savings on your homeowner’s policy.

The Bonus: Bundle Policies

While not directly a loss-prevention tip, bundling your home and auto insurance with the same provider often results in significant discounts. Talk to your agent about other cost-saving options tailored to your specific needs.

By taking these five steps, homeowners can create a safer environment, reduce the likelihood of losses, and potentially lower their insurance costs. Prevention not only saves money but also gives you peace of mind, knowing your home is well-protected. Connect with your insurance provider to learn more about discounts and incentives for implementing these changes!

We Offer A Better Way To Buy Insurance

Posted under Auto Insurance, Commercial Insurance, Homeowner’s Insurance, Life Insurance, Personal Insurance.

Some people buy insurance online without really knowing or understanding what they are buying. Some people use an agent but really don’t fully understand the process of securing insurance. Most people buy homeowners’ insurance, auto insurance, or business insurance to protect their interests. Insurance can be a very important part of your long-term financial plan. A good insurance agent can be an incredible asset to you and your family. Let’s face it when your home is burning, you want someone who is there to come alongside you and help you through a tough time.

We are here to offer a different way of discovering insurance.  

  • We are experienced and professional. We take your insurance seriously.
  • Our goal is to be your trusted advisor. We know and understand your risks.
  • Customized options are the best way to buy insurance. You are unique and deserve unique insurance options.
  • We live and work in your community.

The goal of the independent agent is to provide the best possible combination of coverage, price, and service. For example, independent agents have experience in understanding what services insurance companies provide and can match unique services with client needs. Not all insurance agencies are alike.