Umbrella Insurance is a secondary insurance policy that provides liability coverage over primary insurance policies, like Auto or Homeowners policies. Personal Umbrella Policies (PUPs) add million(s) of dollars of coverage to your insurance portfolio, sheltering your current assets and future wages from catastrophic claims. While Homeowners and Auto Insurance protects thousands of dollars of your assets, Umbrella Insurance protects millions. In this blog, we'll address the fo

Your insurance premiums are calculated based on how much of a risk the insurance company thinks you are. But how do they come up with that number? The short answer is that there are hundreds of variables. On top of that, each insurance carrier uses a different algorithm. This can make it pretty tricky to predict what a client will pay before plugging in the information. However, we can ball park it based on some of the major rating factors listed below. Insurance Score: The i

For a teenager, getting your driver's license is a step towards being independent. As a parent, it is stressful and worrisome time. Especially, when they find out how much their insurance premiums are going to increase! It is no secret that teenage drivers are higher risks behind the wheel. In 2010, a third of teen deaths were motor vehicle related(1). The insurance companies recognize this and price the policies accordingly. Below are a few tips to help cushion that premium

It's easy for Owner Operators (O/Os) & Small Trucking/Passenger Transportation Companies to get lost in the nuisances of insurance requirements. That's where we come in! Abiding by government regulations is important for your business and everyday patrons of our Highway System. The following information is a general guideline as to the type of commercial auto insurance required with vehicle usage; speak with a trusted insurance adviser in order to confirm that you are protect

The 2016 United States Small Business Profile Report indicated that 99.7% of businesses in America are Small Businesses. However, many business owners do not classify their vehicles correctly as for Business Use or do not purchase Commercial Auto insurance. This can lead to non-claims, i.e. claims that are not paid out. Are you protected? The following information is a general guideline as to the type of auto insurance associated with vehicle usage; speak with a trusted insur

Car Insurance got you scratching your head? We're here to help! In this blog, we recommend limits of car insurance for each of the core coverages. Note: Everybody is different - do not take the following blog as the cut-and-dried approach to Auto Insurance. Speak to your trusted insurance adviser before choosing coverage. Core Auto Insurance Coverages include: Liability Comprehensive Collision Uninsured Motorist Rental Reimbursement Roadside Assistance Liability Coverage, oft