Whether you plan to travel the world, run marathons, serve your community or spend more time with family, retirement will bring radical changes in the ways you spend your time. And whenever life changes, so do the risks you face — which means retirement is a good time to look closely at your insurance coverage.…Read more
5 Crucial Insurance Changes After Divorce
Any major life change sends a ripple effect through your finances — especially a divorce. Insurance matters may seem trivial next to the emotional upheaval of ending a marriage. But minding the details now can prevent financial pain later. Here’s a look at five insurance changes to address after a divorce. 1. Life insurance Buying…Read more
What is Subrogation?
You’re stopped in traffic when another driver plows into you from behind. Your company is a contractor working on a renovation project. An employee of one of the other contractors bumps a ladder, sending one of your employees to the floor with broken bones. Workers are welding on the property next to yours on a…Read more
Dog’s Affect on Homeowners Insurance
Like most Americans, I am a dog lover! My last dog, Miles, was a 135 pound Bloodhound and he was a great dog. He had big floppy ears and no matter what type of mood you were in he was right there with you. Unfortunately, there are some dogs that are not so nice and…Read more
How Do Insurance Agents Get Paid?
We are often asked “how do insurance agents get paid”? Insurance agents generally work on commission but before we get to the pay structure lets review the different options you have to purchase insurance. Direct You can purchase insurance directly from the insurance company. Examples of direct companies are Geico, Elephant, The General and Esurance.…Read more
Motorcycle Insurance
Many insurance companies provide money-saving discounts to help make the cost of motorcycle and moped insurance a little cheaper. Dairyland Cycle® offers the following motorcycle insurance discounts: Multiple motorcycles Home ownership Motorcycle safety course completion Rider groups Buyer beware: while it can be tempting to shop for cheap motorcycle insurance, you’ll more often than not…Read more
Cargo Insurance
Cargo insurance provides insurance on the freight or commodity hauled by a For-hire trucker. It covers your liability for cargo that is lost or damaged due to causes such as fire, collision, or striking of a load. If your load is accidentally dumped on a roadway or waterway (Removal Expenses coverage), cargo insurance pays for…Read more
Jewelry Insurance
What’s the point of having nice things if you have to worry about losing them? Protect the worth of your jewelry and other cherished items by adding an Inland Marine policy also known as scheduled personal property. Protect the things that matter to you Look around your house. What are the items that are most…Read more
Professional Liability Insurance
Professional liability insurance, or errors and omissions (E&O) insurance, is a type of coverage that protects certain individuals and corporations that provide professional services to their clients. For insurance purposes, “professionals” are defined as those who have special knowledge or skills in a certain area and who use those skills or knowledge to provide advice…Read more
Insurance Fraud Impacts Everyone
This year, Governor Terry McAuliff declared May 11-17th as Insurance Fraud Awareness Week in Virginia. You may be thinking, “Does insurance fraud really need an awareness week?” or “Is insurance fraud really that big of a deal?” After learning the facts about insurance fraud, your answer to both of these questions will likely be, “yes.”…Read more
