Life Insurance: Are You In A Someday Circle?

I spent this past week on a Dude Ranch high in the mountains of Colorado with my family. There was no WiFi and very limited cell service. So I was forced to unplug from electronics and trust my staff to run the office while I was gone. This is the first full week of vacation … Read more

Flood Insurance if I don’t live near water.

In the past 5 years, all the states have experienced flooding. Generally, the people who ask about flood insurance are in specific areas that flood often and know how important flood insurance can be. However, what people may not realize is even if you are not in a flood zone, flood insurance may be needed … Read more

Happy Take Your Dog to Work Day!

Took was featured! Check out his photoshoot! Thanks to BG Productions Photography & Video. Click here to access the full feature and photoshoot.

You Had a House Fire, Now What?

According to Ready.gov there are more $7.3 billion in home losses due to fire each year and more than 12,600 people are injured in those fires. “Fire isn’t bright, it’s pitch black. Fire starts bright, but quickly produces black smoke and complete darkness. If you wake up to a fire you may be blinded, disoriented … Read more

To Self Insure: It is an Option

Let me address the elephant in the room before I continue any further, NO ONE, including myself enjoys paying for insurance. It’s a check to a big company for a product we hope we never need. I personally carry a lot of insurance because I would rather pass that risk onto another party than pay … Read more

DBA, What Does That Really Mean?

Working in a business can be very complicated especially for new business owners without unlimited legal assistance to navigate the muddy waters. If you are contemplating expanding an area of your business, maybe consider forming a DBA instead of re-incorporating.  With that said, speak with your attorney about the best way to protect your company. … Read more

Incorporating: One Company Many Jobs

business insurance umbrella

In this day and age to survive a company, you generally need to be diversified. Diversification is important to stability and growth, but one area that is overlooked is often the placement of the insurance. It’s important to discuss the structure of the companies with an attorney when you are incorporating, and that attorney should … Read more

General Liability Insurance: How to Insure a Home Based Business

The advancement of technology has made the ability to start a business easier and less expensive than ever. That means more people are working from home. Just because your business is a home based business does not mean that you don’t need a business insurance policy. If your business involves working with other people or … Read more

Admitted Insurance Company vs Non-Admitted Insurance Carriers

I insure some unusual businesses in my agency. For those businesses, I use companies that are often Non-Admitted. My insured recently noticed this and asked about the differences between an Admitted Company and a Non-Admitted carrier and if that poses any risk for her company. Here is a brief explanation of the difference: An admitted … Read more

Quick Tips for the First Time Home Buyer

As a First Time Home Buyer, here are s few things to be aware of when shopping for a home insurance policy: The spring housing market is heating up again, even though you might not be able to tell with the frigid temperatures and the excessive snow this month. I thought I would put together … Read more