You may have heard of the new way of paying for your Workers Compensation Insurance; Pay as you go. Now if you are used to the traditional way of paying your premiums, you pay your premium based on an estimated annual payroll that is given to your agent at the beginning of each renewal.

Don’t you just love technology (when it works). Computers and the internet have really come a long way since the 80’s and 90’s. They have transformed how we do business in almost every aspect. If you don’t have an email address an insured might look at you funny. Somethings have been [...]

Freezing temperatures not only can affect driving conditions, it can cause havoc on your pipes.  One of the most common claims(other than sump-pump failure) at your home is a frozen pipe bursting and leaking water to all parts of your home.  It is common and costly.  Broken pipe claims average $15,000.00 of damages to your [...]

The biggest reason a vacant home can be difficult or expensive to insure is because a very small problem left unattended can become a very large problem. Take for example a leaky sink. I insured an apartment building a few years ago and when the tenant moved out they did not turn off the [...]

Recently, a situation came up with an insured that in the end is not going to be happy.  They have reached their policy limit with their personal property coverage.  Now, in retrospect everybody played a part in the displeasure of the client.  The agent, adjuster and restoration contractor all played a role in the communication [...]