Ransomware is any type of malicious software that infects a computer and either prevents it from working as it should or prevents access to certain files until the user pays a ransom. Typically, the hackers behind the ransomware demand bitcoin—a type of digital currency that is difficult for police to trace. Businesses of all sizes Read More…
3 Things You Should Look For in an Insurance Agent
Many people are unsure of why they should purchase their insurance through an insurance agent versus going directly to the insurance carrier. Your insurance agent is like your “in” with the insurance companies that can identify opportunities for discounts, and act as your personal advocate in dealing with them. And it costs you nothing! The Read More…
Your Business – Property Can Be Replaced. Income? It’s Complicated.
A fire rips through your warehouse. Your inventory, tools, furniture, computers – it’s all gone or damaged. You’re devastated, but you discover your business insurance will help replace it all. Thank goodness. But wait…a property restoration company estimates your space will be repaired…in eight months. …Now what? One might argue an income loss could be more Read More…
Protect Your Business for Hurricane Season, from Maxons Restorations
Maxons Restorations shares “5 Ways to Protect Your Business for Hurricane Season”: June is the joyous start to summer but it is also the start of Hurricane Season. While it is expected to be relatively calm this year, we urge you to take the time to prepare your business and property before the storm even Read More…
What you need to know about Underage Drinking laws
Did you know that a teenager without a driver’s license can lose the privilege of getting a learner’s permit or driver’s license if they are convicted of underage drinking? It’s true. Did you know that the Blood Alcohol Concentration limit is significantly LOWER for youth under the age of 21? The BAC for youth under Read More…
Does your college student need Renter’s Insurance?
4 things to consider regarding Renter’s Insurance for college students: Does your college student need renter’s insurance? The short answer is “probably”. If you have a Homeowner’s Insurance policy, it’s possible that it may extend to coverage to a student. But there are situations where coverage does NOT extend. It’s very important to understand Read More…
12 Words You Should Never Say When Reporting a Claim
Reporting a claim You’ve had a car accident. Your home has been vandalized. A tree fell on your garage. You’re stressed out. You may not even be sure if you’re hurt or not. You’re panicked and unsure of what to do. We’ve been conditioned to call our insurance agent or our insurance company immediately from Read More…
Why you need comprehensive coverage on your car
What is comprehensive coverage? Most of us understand the collision coverage portion of car insurance. It’s rather self-explanatory. It covers the damage to your car caused by a collision, an impact, and accident. Pretty straightforward stuff. Comprehensive coverage is the counterpart to collision. It covers damage to your vehicle caused by things OTHER THAN an Read More…
Home Insurance 101
Know your Home Insurance policy Every homeowner who has a mortgage (and there’s precious few of us who don’t!) is required to carry homeowners insurance. Most of us know that this policy will pay us back if the house burns down. We know that it covers the contents inside. Most of us even know that Read More…
Hurricane Preparedness Week 2014, Day 2
Hurricane Preparedness week is May 25-31. We are taking this opportunity to learn more about disaster forecasting and disaster preparation. What is Storm Surge? It’s a term that we hear forecasters and meteorologists use frequently when discussing hurricanes and tropical storms. But what does it mean and knowing what it means, how do we prepare Read More…
