Insurance Blog

Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.

Is A Work-Sponsored Health Insurance Plan My Best Option?

If your employer offers health insurance, that doesn’t necessarily mean you have to buy it. Employees can choose to leave an employer-sponsored group plan in favor of Obamacare – the health insurance market. Do you know your best option? Each one has its pros and cons. What Are the Advantages of Employer-Sponsored Health Insurance? In most cases, workplace health insurance is less costly than an... Read Article

Do I Need Liquor Liability Insurance If I Only Sell Beer Or Wine?

Despite the name, you will need to make sure you add liquor liability insurance to your business policy if you serve beer or wine at your business. Although most business liability insurance automatically includes host liquor coverage, this only applies to small functions hosted by an enterprise that is not in the business of selling alcohol. Our experienced agency can help ensure you have the... Read Article

The Right Insurance for Apartment Building Owners

As anyone can probably guess, owning a residential rental property can be both personally and financially rewarding. But it can also be just as risky as Rock Climbing, especially if you’re new to the game. And without the right apartment building owner’s insurance, landlords can face serious financial harm if something goes wrong. Some perils are more obvious like slip and falls and water pipe... Read Article

Why Restaurateurs Need Business Insurance

Hot surfaces. Sharp knives. Foodborne illnesses. Patrons coming and going on a daily basis. Restaurant owners face a multitude of risks that are specific to your industry. And that’s in addition to the typical concerns most small businesses must prepare for like property damage to your premises or loss of important customer, vendor, or employee files and records. Learn about the small business insurance coverages... Read Article

Standard Auto Insurance Vs. RV/Camper Insurance: Understanding The Difference

Although a recreational vehicle, or RV, is similar to a car in many ways, the insurance needs for the two types of vehicles differ. Limiting your RV insurance to a typical auto insurance policy would leave you with dangerous gaps in coverage. Basic Differences between RVs and Cars RVs are towable trailers or large motor vehicles that typically include a kitchen space, bathroom, and living... Read Article