For many years, car insurance rates have been determined by familiar factors such as the driver’s age, sex, driving record, type of vehicle, how the vehicle is used, and credit ratings. Modern technology is making possible the use of other factors which could revolutionize car insurance. This is called Usage Based Insurance (UBI). Some companies are now testing UBI. […] Read More

“Your memories from your early childhood seem to have such purchase on your emotions. They are so concrete.” ~ Dana Spiotta There I was, perched on top of columns of file cabinets.  Effortlessly, I’d crawl up the drawer handles to reach the top.  The next hours were spent drawing on scrap paper with sharpies, highlighters […] Read More

If you’re a business owner, you’ve probably had the thought, “I know I need insurance, but where do I begin?” If so, you’re not alone. Small business insurance can be difficult to understand, and even more difficult to know what coverages you need and which you don’t. Here are my top 5 things you should […] Read More