Insurance Insights
Knowledge and Tools to learn about Coverage
We don’t just want to help you find a policy and then leave you to figure the rest out on your own. We want you to have all of the knowledge and tools we can give you, so you can feel confident in knowing your plan is working for you.
Oh, the Weather Outside is Frightful — But These Winter Car Care Tips are so Delightful!
Wintry weather can keep you in your house and your car off the road for days at a time. Most of the time, not driving your car for a week won’t cause damage, and it will usually start right back up whenever you need to be on the road again. But keep the following in mind when you’re stuck inside by the fire: Keep your battery charged Unplug charging devices (car chargers, USB cords, etc.) when not in use; they still pull a charge when the car isn’t running, and the last thing you want to do is change your car battery in the snow. Keep your gas tank prepared Especially in the colder temperatures, if a car’s gas tank is too low while it’s sitting, condensation can collect (and freeze) inside the tank and cause damage to your engine. To prevent this buildup of moisture, make sure the gas tank is at least half full before leaving it parked for too long. Another issue with leaving your car unused for long periods of time comes when the ethanol in gasoline separates from the gas itself. If it separates, cycling it through the fuel and emissions systems can cause […]
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I’m Only 30 — Why Should I Get Life Insurance?
When you turn 30, buying life insurance doesn’t always seem like the most pressing investment. But the truth is, your 30s is the best time to do it! If you’re in good health, you’re likely to get a low rate on a term life insurance policy, and you’re probably at a point in your life where those who depend on you financially would need a way to replace your income if you were gone. Here are a few reasons to invest in life insurance in your 30s—something you’ll thank yourself for in ten years: #1. Family In your 30s, life moves pretty quickly, and you’re making a lot of big steps. From starting a family (or growing your family), to buying a house, to getting married, there’s a lot to protect and care for financially. If you were to pass away, your loved ones, without your income, may not be able to pay the bills. But you can financially protect your family in the event of your death if you’ve been paying into a life insurance policy. These policies can help cover various expenses, including mortgage/rent, child care, groceries, utilities, transportation, medical bills, and more. You can think of the […]
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What Does My Plan Cover?
Insurance companies offer plans and policies to protect you and your business. But do you know what those policies cover? Business policies can cover a range of individuals, including employees and contractors, plus a range of incidents that could cause damage to your property. These policies help protect you and anyone else who holds an ownership stake in your company. General liability insurance covers incidents in which someone holds your business liable for damages, injuries, or loss. This policy can protect you from high lawsuit costs if a customer is injured in your workplace, or if one of your own employees damages customer property. Commercial property insurance covers the cost of repairs or replacement of damaged or stolen business property, plus the building if you own it. This policy can be used in case of a fire, burglary, or other accidents such as a burst pipe. For protection of company vehicles, a commercial auto insurance plan is the way to go. This policy can also cover employees when driving on business in a company car and provides the option to cover when they drive their own vehicle as well. Most states, including Missouri, require workers’ compensation insurance to cover costs […]
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Preventing Stress in the Workplace
Work can be stressful. And we can all agree that stress relief and management are important components of mental health care. So how can you get ahead of the stress? How do you make it an easier problem to tackle? For many people, a pay raise doesn’t cut it when it comes to relieving workplace stress. Time. Employees want time. Paid time off, paid sick leave, and a flexible schedule are the top three most preferred benefits for employees over a pay raise. Having the flexibility to work when and where they prefer (within the parameters of the needs of the workplace) increases employee productivity and morale. Businesses that have implemented a seasonal four-day work week have said it is a much-appreciated low-cost benefit for their employees. Culture. It’s no secret that a good work environment is crucial in keeping employees around—even good pay and benefits aren’t enough to keep employees somewhere with bad workplace culture. Developing a healthy and positive work environment keeps the early-morning work dread at bay and aids in employee retention. For the most part, planning activities that include free food and teamwork is good for team-building, but it’s important to consider the diversity of the […]
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Insurance Coverage Checklist
To keep your family and belongings safe and secure, it is important to evaluate your insurance coverage each year to assess the level of protection needed as life changes. We are ebb and flow people and our environment is fast-paced, ever-changing and full of surprises.
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