Avoiding Claims

Avoiding claims is an effective way to keep your insurance costs low. Hail storms and flash floods are unavoidable. But other claims like auto accidents and house fires are preventable. Learn how to avoid costly claims with these helpful articles.

Top 5 Most Important Liability Coverages for Your Church

Adam Murray – June 8, 2020

Churches in the United States are not exempt from the effects of a litigious society. In fact, churches face a unique exposure to litigation as religious organizations have started to become somewhat of a target for those who may disagree with its message. Add to that the children’s programs, community outreach events, reliance on volunteer […] Read More

Risks With Door to Door Contractors

Adam Murray – May 18, 2020

Have you ever had someone show up at your door offering you the deal of a lifetime? It’s not uncommon for someone to show up at your door, offering their services for home repairs, pest control, paving work, etc. While some door-to-door contractors are just trying to make an honest living, a little healthy discretion […] Read More

Reducing Distractions While Driving

Adam Murray – April 20, 2020

We have all been there. Running 10 minutes late, driving with our knee while simultaneously putting on our seatbelt and fussing with google maps, trying to figure out if we need to merge east or west. Or, maybe you come to a stoplight and think to yourself, “this is a good time to return that […] Read More

What is Hired and Non-Owned Auto Insurance?

Adam Murray – March 30, 2020

One of the most easily overlooked areas of a commercial insurance policy is in regards to auto insurance. “But Adam, my business doesn’t own any vehicles” one might object. Here lies the problem. Most of us assume that because the vehicle is not owned by the business, that it creates no exposure for the business. […] Read More

Understanding Loss Control

Jim Tice – March 2, 2020

Insurance companies that insure businesses and nonprofits spend a good deal of money and time with loss control – the practice of trying to prevent future losses. Loss Control – The practice of trying to prevent future losses. The process usually begins with a representative visiting an insured and inspecting their property and procedures. Often […] Read More

Business Insurance for Startups

Daniel Crichlow – January 21, 2020

So you’ve finally done it! You started your own company. You’ve dissected your markets and know what demographics to target, researched how your product or service should perform, obtained necessary capital, networked with important providers and potential partners and clients, researched your IT needs and purchased the needed equipment. You’re ready, but it seems like […] Read More

Is It Covered?

Daniel Crichlow – December 30, 2019

You just had a claim! That’s never fun, but hopefully, you purchased the right type and amount of insurance to cover the loss. One of the worst feelings, in my opinion, is waiting in the ‘unknown zone.’ You’re not sure of an answer that could help or hurt you and being forced to wait to […] Read More

What Is Directors & Officers Insurance?

Adam Murray – November 11, 2019

Have you ever served on a board before? Perhaps you are on the board of a Fortune 500 company, or volunteering on the board of your church? Regardless of the circumstances, if you are a director or officer of any organization, you need Directors and Officers liability protection. Make sure that the organization carries D&O […] Read More

Comparing Auto Insurance Policies

Jim Tice – October 21, 2019

Periodically, I like to call competing insurance companies and have them quote my personal insurance. This way, I can know if it really is possible to save 15% on my car insurance (I never do) and to see the quality of service and advice I receive. Last week I called into one of these companies […] Read More

Personal Firearms Safety

Tony Grahn – September 11, 2019

According to a survey in 2018, the U.S. is by far the leading gun-owning country in the world, beating out the next country by more than 50%. While sales have declined during Trump’s presidency, industry data has clearly shown that gun sales have doubled over the past decade. Many Americans are exercising their right to […] Read More

Firearms Liability Insurance

Jim Tice – August 27, 2019

In the latest news out of California, Mayor Sam Liccardo of San Jose has proposed legislation that would require gun owners to carry firearms liability insurance. It is based, he says, on state laws that also require motorists to insure their cars. Because responsible gun owners might want to have insurance, it is useful to […] Read More

house-under-stormy-sky

How Can I Protect My Home While on Vacation?

Tony Grahn – August 19, 2019

It is the season for vacations. But it is not a vacation when you come home to find that your home as been burglarized while you were gone. Below are a few things you can do to reduce that risk while you are away. Don’t post pictures While it is tempting, don’t post pictures of […] Read More

Protecting Our Children From Sexual Abuse

Adam Murray – August 16, 2019

This is not a fun topic to address. The statistics surrounding sexual abuse are astounding. It is very possible that you yourself have been a victim of sexual abuse scandals coming out of the SBC, or IFBC, or the Catholic Church and many other denominations. Statistically, our churches are running rampant with people who have […] Read More

How Should I Prepare for a Tornado?

Adam Murray – August 12, 2019

“It’s a twister! It’s a twister!” I think we can all take a powerful lesson from Dorothy in the classic movie, The Wizard of Oz. Poor Dorothy was on her way home, trying to outrun a tornado that was sweeping across the field near her house. While her family wisely made it to the storm […] Read More

Am I Responsible for Injuries to Trespassers?

Jim Tice – August 6, 2019

It stands to reason that if you invite someone on your property, you would be responsible for their injuries if there is a condition that caused it. For instance, let’s say you didn’t clear the ice on the sidewalk. It also makes sense that you need to keep your property safe for someone that has […] Read More

Summer Toy Safety

Tony Grahn – July 15, 2019

Summer days bring all of us out of our houses and out into the sun to have some fun. Whether you are a landlubber or a boater, you have your summer toys that help you have some summer fun. But, those toys bring risk to you, your family and your financial security. Here are some […] Read More

Do You Need Employment Practices Liability Insurance?

Jim Tice – July 8, 2019

In 2016 there were 20,857 complaints about age discrimination in the workplace filed with the EEOC (Equal Employment Opportunity Commission). This number is expected to increase with the aging workforce in the United States. The #Metoo movement has resulted in a dramatic increase in the number of sexual harassment claims in the workplace. Transgender discriminations […] Read More

How Prepared Is Your Church Against an Act of Violence?

Adam Murray – May 14, 2019

It’s 10 am and you’re getting ready for bed. You brush your teeth, wash your face and put on your PJ’s. Finally, you walk through the house to make sure the doors are locked, the alarm is set, and you leave the front porch light on to make sure that any unsavory fellows out there […] Read More

April Showers Bring May Hail Claims

Tony Grahn – April 8, 2019

There is nothing you can do to prevent a hail storm from hitting your house, but if one does, here are some things you need to know as it relates to insurance protection: • Not all hail storms jeopardize the integrity of your roof. During most hail storms, roofs aren’t damaged because of the size […] Read More

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How to Avoid a Cyber Attack

Tony Grahn – November 27, 2018

Joanna Belbey, Contributor for Advisor Network, provides an excellent, potent “Best Practices” on avoiding cyber-attacks. If businesses and individuals would focus on these practices, they’d be much more safe and secure! Here are some brief observations on her 5 main “Best Practices:” Governance Boards, business owners, and other key employees must “buy in” to the […] Read More

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Renting Your Home on Vrbo, Airbnb or HomeAway

Jim Tice – November 5, 2018

Renting their house for a short period of time is becoming more and more common for homeowners. Websites such as Airbnb.com have facilitated these rentals and more and more people are looking to them for additional income. If you have thought of using your home this way, you should know most homeowners insurance policies do […] Read More

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Hayride Safety Procedures

Jacquelyn Bennett – October 29, 2018

Fall brings a whole new season of fun activities—apple picking, pumpkin carving, bonfires, and hayrides. However, as with every activity, safety procedures must be in place. Below, I will explain the best steps to take when planning a hayride. A hayride, when not planned for, can be a dangerous thing. For example, instances, where children have […] Read More

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Water Damage While Away

Jim Tice – October 1, 2018

Would you ever leave on vacation without locking your house? According to a study done by one major insurance company, most people wouldn’t. 85% lock their windows and 77% make sure their doors are deadbolted before heading out. However, an even greater risk to the safety of your home is typically ignored, water damage. Only 22% […] Read More

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How to Prepare Your House and Car for Cold Weather

Daniel Crichlow – September 17, 2018

We’ve all been in a situation where the elements are ripping into us, and making life miserable. All we can do is think about getting into our nice warm car to find a small haven from terrible mother nature, only to hear the most nightmarish sound imaginable… silence. Your car won’t start. Now you’re faced with […] Read More

When Should I Drop Full Coverage on My Car?

Jim Tice – August 8, 2018

When is a car old enough to drop full coverage on it? There are two major divisions of coverage on the auto policy.       1. Liability. This coverage is intended to cover the other person if you cause an accident or cause damage or injury. Liability is always necessary. It is, of course, […] Read More

How Much Do I Insure My House For?

How Much Should I Insure My House For?

Daniel Crichlow – July 16, 2018

Over 60% of houses in the United States are under-insured by about 20%*! That is a startling statistic when you think about it. This means that people in this category would have to pay $60,000 out of pocket to replace their $300,000 home in the event of a total loss. Now, if that uninsured statistic is true, […] Read More

New Federal Requirements for Youth Sports Related to Sexual Abuse

New Federal Requirements for Youth Sports Related to Sexual Abuse

Tony Grahn – July 10, 2018

The USA Gymnastics sexual abuse scandal brought a lot of attention to growing concerns for children while participating in sports.  This might have been the final catalyst motivating Congress to pass a new law, in late 2017, aimed at preventing child sexual abuse. The Protecting Young Victims from Sexual Abuse and Safe Sport Authorization Act […] Read More

Staying Safe with Fireworks

Staying Safe with Fireworks

Adam Murray – July 2, 2018

A couple of years ago on the 4th, I was sitting on the beach of Lake Michigan. My family and I were waiting for fireworks to begin. 5 minutes prior to start time, I heard fireworks going off, and turned around just in time to see a man, on fire, running into the lake. Thankfully, there […] Read More

Does My Insurance Cover Me If I Drive for Uber or Lyft?

Does My Insurance Cover Me If I Drive for Uber or Lyft?

Jim Tice – May 21, 2018

Transportation Network Companies (TNCs) allow drivers to use their personal cars to transport passengers who contact them through an app. (like Lyft and Uber) These apps are gaining in popularity, both for drivers and passengers. We know of no reason someone should hesitate in booking a ride with one. However, if you are a driver, […] Read More

What Liability Coverage's Should a Church Have?

What Liability Coverages Should a Church Have?

Adam Murray – May 15, 2018

In some ways, insurance hasn’t changed much over the years. If your building burns down, insurance has always been there to replace it. If you crash your car, your friendly neighborhood insurance agent was there with a settlement check. For churches, however, there has been growing exposures that from time to time are often overlooked. […] Read More

April Showers Bring Ma..ssive Floods

Tony Grahn – April 9, 2018

If your home or business suffers water damage, would it be covered under your insurance policy?  A homeowner’s insurance policy, and commercial (business) property policy are very similar in what they do and don’t cover relating to floods and other water damage losses. There are 4 common types of water damage claims that can occur, […] Read More

Don’t Be Fooled by the Phrases

Adam Murray – April 2, 2018

The most important part of your insurance policy is the agent who puts it together. I say this because insurance can be very technical, and often confusing. Having a knowledgeable professional walk you through your policy can make all the difference at claim time. There is a minefield of insurance lingo and phrases that can […] Read More

How to Plan a Successful Spring Break Trip

Daniel Crichlow – March 12, 2018

Are you planning a Spring Break trip? Before you make all of your final plans, think about these five things: 1.  What is the culture like where I am going? If you’re traveling outside of the U.S., or to a different state, make sure you research cultural norms. In some countries, pointing with your index […] Read More

What Does Wedding Insurance Cover and Why Do I Need It?

Adam Murray – February 19, 2018

As a newly engaged man, the last thing I want is for disaster to strike our special day. Unfortunately, there are many dangers that our wedding is exposed to. Thankfully, wedding insurance can be a great way to protect the investments you have made in your wedding day. Not all wedding protection policies are the […] Read More

What is Underground Utility Coverage?

Jim Tice – January 22, 2018

Many of the conveniences of a modern home depend upon something underground, like a water or sewer pipe, or telephone and power lines.  When an underground utility is damaged or wears out, repairs can be very expensive.  What’s more, you couldn’t buy insurance to cover the cost of repair. That is, until now. The Good […] Read More

What I Didn’t Know About Auto Insurance

Adam Murray – January 15, 2018

You’ve heard the saying, “Ignorance is bliss.” In the insurance world, nothing could be farther from the truth. I will forever remember the first time I dealt with insurance. I had just got my license and was ready to be out on the road. The thrill of independence and responsibility was pulsing through the steering […] Read More

What Do I Do with My Motorcycle During Winter?

Jim Tice – December 13, 2017

With good motorcycling days gone, it’s helpful to review the steps for storing your motorcycle during winter. This will allow it to start and run well when spring rolls around.  Attention needs to be paid to both the fuel and ignition systems. Clean Your Fuel Tank. Fuel left in a tank over the winter can gum […] Read More

What Do You Mean It’s Not Covered?

Adam Murray – October 23, 2017

Insurance can be very technical and confusing. Try to understand what is an is not covered on your policy and you’ll end up with a headache. What most people don’t know, is that an independent agent can walk you through the details of your policy. Too many people assume that their policy covers certain things, only […] Read More

An icy road is many driver's worst nightmare.

Icy Road Survival Tips

Jacquelyn Bennett – January 29, 2016

If you live in the Midwest, you know what it is like to wake up one morning to snow falling. You also know what it is like when salt melts the snow, and how in the morning all of the melted snow has frozen into a thin sheet of ice covering the road. While you […] Read More

Christmas trees are beautiful, but can be dangerous.

Christmas Tree Fire Safety Tips

Jacquelyn Bennett – November 9, 2015

December. Snow falling, cookies in the oven, wrapping gifts, time with loved ones, the smell of pine, and the warm glow of a Christmas tree. The Christmas tree is one of the most common things you will find in a house during the Christmas season. Every year people all over the world decorate it with […] Read More

Ice dams building up on a roof.

Eliminate Your Ice Dams

Tony Grahn – January 17, 2012

Here in the midwest, we get crazy weather. Sometimes we get rain and snow in the same afternoon! When there are heavy snow falls or buildup, it’s possible for ice dams to form. The dams are ice or snow on the roof or gutters which stop the roof from draining. Why do ice dams form? In most cases, […] Read More

blow out candles to reduce the risk of house fire

Candle Fire and How to Prevent It

Jim Tice – March 14, 2011

Nothing is more warm and cozy than snuggling up in a candle lit room. But that same light which radiates warmth into our hearts can have devastating effects if it spreads. Over the years, I have had the privilege to walk alongside people as they deal with the aftermath of a house fire. Many of these were […] Read More