As the end of the year approaches, many business owners take the time to reflect on their accomplishments and plan for the future. While preparing for the year ahead, it’s easy to overlook one critical aspect of...

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Car theft is a frustrating and costly experience that affects thousands of vehicle owners each year. While most modern cars come equipped with advanced anti-theft features, thieves are becoming more sophisticated,...

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Operating a seasonal business can be both rewarding and challenging. Whether you run a landscaping service in the summer, a ski rental shop in the winter, or a holiday-themed retail store, your business has unique...

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Life's biggest milestones, like marriage, buying a home, or having children, often bring new financial responsibilities and changes in your insurance needs. To ensure you and your loved ones have the right coverage in...

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As artificial intelligence (AI) continues to revolutionize industries, its integration into business operations has become almost inevitable. AI offers substantial benefits in efficiency, decision-making, and automation,...

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When it comes to personal insurance, most people are familiar with their auto, homeowners, or renters policies. However, fewer may be aware of umbrella insurance-a type of coverage that goes beyond the limits of your...

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In the complex world of business operations, unforeseen events can lead to liabilities that exceed the limits of your existing insurance policies. This is where Commercial Umbrella Insurance comes into play, offering an...

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Riding a motorcycle offers an unparalleled sense of freedom and excitement, but it also comes with its share of risks. To ensure safety on the road, it's crucial for motorcyclists to invest in proper safety gear. From...

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The shift towards remote work has introduced numerous benefits for businesses worldwide, including increased flexibility and reduced overhead costs. However, this shift also presents new challenges in data security and...

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Starting a new journey together as newlyweds is an exciting time filled with hopes, dreams, and plans for the future. Amidst the whirlwind of changes, it’s crucial not to overlook the practical aspects of merging your...

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In the commercial auto industry, safety is paramount. Not only does it concern the well-being of drivers and the public, but it also significantly impacts operational costs and company reputation. With advancements in...

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Renovating your home can be an exciting journey, transforming your living space into the dream dwelling you've always wanted. However, amidst the excitement, it's crucial to undertake precautions to avoid common...

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Workers' compensation insurance is a fundamental aspect of running a business, providing vital protection for both employers and employees. This insurance covers medical costs, rehabilitation, and lost wages for...

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Taking care of fire safety at home is a key part of managing your household. Each year, fires in residential areas cause significant property damage. However, many of these incidents may be prevented with the right...

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The rise of home-based businesses has been one of the most significant shifts in the modern work landscape. While operating a business from home offers convenience and flexibility, it also necessitates careful...

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As parents, the safety of our teenage drivers is paramount. With road accidents constituting a significant risk for young drivers, leveraging technology to enhance their safety isn't just smart; it's essential....

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Business owners have multiple types of insurance to protect them from a variety of financial and legal risks. They should also protect their employees with workers’ comp insurance. Here’s what you need to know about...

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In the aftermath of an unexpected event, such as a fire, theft, or natural disaster, having a comprehensive home inventory can be a lifeline. This detailed list of your possessions not only aids in the homeowner...

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If you own a rental property - whether a long-term one or a short-stay place you rent out to vacationers - you want to treat it like a business, as it provides income for you. Here are six smart devices that can help...

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Owning a boat can make weekends and vacations fun and memorable. Follow these tips to help ensure that when you’re towing your boat you’re being as safe as possible to lower the risk of accidents and unwanted insurance...

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With the increase in online business operations and employees working from home, companies are at greater risk of internet fraud. To help keep your business from what could be a potentially ruinous incident, follow...

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If you’re planning a home improvement project, you probably have many contractors available to choose from. How do you pick the right one that will get the job done safely and without liability issues? Follow these tips....

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Remote work is rapidly becoming a business model for the future. If your company has never hired remote workers before, here are some expert tips to help set you up for success and protect your business too. Determine...

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When you tackle home improvement projects, it’s wise to prioritize those that add the most to your property’s value, especially if you might put your home on the market in the next few years. Here are the renovations...

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Whether you’re a small startup or a large enterprise, you no doubt have business insurance to protect your investment and hard work. It’s easy, however, to operate on autopilot without assessing your insurance coverage...

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If you have a young driver in your home, you may be fearful about them driving on their own, especially in bad weather or road construction. Here are some tips to share with them to improve safety by adapting their...

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Reputation management and its cousin, brand reputation management, are essential these days if your business has an online presence. Here are a few ways you can help protect your company’s reputation both on a regular...

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Your boat is an investment that gives you tons of fun all summer long. But come the cold weather months, you want to make sure it’s properly winterized before you store it, so it’s protected from weather and other...

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If you’re opening a branch of your company in another state, congratulations! That means your business is thriving. Here are four important considerations to mull over as you expand. What Does Commercial Property Cost?...

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Homeowners today have never had more ways to save money through technology. Here are five smart home devices that will help you cut down on your bills and improve your home’s safety. Better safety can mean fewer...

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Owning rental properties is a fantastic investment and a great source of regular income. You can safeguard your profit margins by reducing insurance claims for damages and liabilities. Use this checklist to make sure...

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If you’re on the fence about renting or owning a home, here’s a helpful look at the upsides of each option. Remember to get the right insurance when you make your choice, so your property is fully protected. The...

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Artificial intelligence has been taking the business world by storm lately, especially with the recent releases of new AI software. Would using AI be a good decision for your business? Let’s look at the pros and cons....

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If you want to reduce your risk of traffic accidents and the insurance claims that accompany them - which could cause your premium to go up - you need to drive defensively. Here are some driving tips to help you avoid...

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Smart businesses have a plan in place to get up and running and protect their data if the worst happens. Here’s how to build a business continuity plan in case your company needs to deal with a catastrophe. Assess Your...

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If you’re house hunting, you’re probably looking at many elements like the number of bedrooms or how updated the kitchen is. Don’t forget to check for these things too, which which may help avoid home insurance claims...

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Owning rental properties is a fantastic investment and a great source of regular income. You can safeguard your profit margins by reducing insurance claims for damages and liabilities. Use this checklist to help avoid...

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Many insurance carriers today offer smartphone apps that track telematics to monitor driving. Here’s how they work and how these apps may help you lower your auto insurance premium, along with a few other advantages. ...

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If you’re hiring someone who will be doing a lot of driving for your business, you want to find someone who will maintain a stellar safety record. Avoiding accidents is essential, as it may reduce your risk of liability...

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Water has been in short supply in many areas of the United States lately. And even if it’s bountiful where you live, you may be paying more for water than you’d like. Here are some tips for using less water and saving...

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Small businesses today face many of the same challenges that larger ones do, and they're vulnerable to many of the same risks as well. One increasing danger for small businesses is cyber liability, because they're...

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Your auto insurance is one of the most important elements of your personal insurance portfolio. But some people purchase only the minimum required liability coverage, not realizing they may be leaving themselves open to...

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With increasing energy costs, businesses are always on the lookout for ways to save money. Did you know that you can cut heating and cooling expenses by strategically landscaping your commercial property? Here are four...

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Whether you’re just getting away for a long weekend or spending a few weeks out of the house, it’s important to ensure your home is safe while you’re gone. Follow these tips to help prevent break-ins, fires, and water...

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Commercial auto insurance is a must if you or your employees use vehicles for work. While this costs money upfront, it can save you in the long run. Just one bad accident without sufficient coverage can expose your...

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It’s an unfortunate fact that life expectancy in the US has dropped recently. This has led many people to examine whether or not they should have a life insurance policy and, if so, how much coverage they should have....

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If you’re starting up or buying a new business, it’s vital to have the right insurance coverage to protect your investment and your employees’ livelihoods. But it can be confusing shopping for multiple business...

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It seems like every day on the news that we hear stories about a hurricane, flood, or wildfire creating massive damage in the U.S. and putting people out of their homes. Have you thought about how your family would...

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As the owner or property manager of a commercial building, your fire safety protocols can mean the difference between life and death. Here’s a checklist to help you ensure your commercial property stays safe for...

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With the new car market impacted by shipping delays, many people are choosing to buy used cars lately. And some people only purchase a used vehicle because it saves them money and lets the first owner figure out if it’s...

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If you own or manage a commercial property, you may be able to reduce headaches, expenses, and safety issues by properly maintaining the structure and grounds. Here’s a commercial property maintenance checklist to get...

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Having a new puppy join your household can change your life. The snuggles and kisses make getting up in the middle of the night for potty breaks worth it, but in the whirlwind of change, it’s easy to forget some...

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If your team has been working remotely for the last few years due to the pandemic, you may be returning to the office now that the situation has changed. To help your group adjust, here are five expert tips. Start With...

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A security camera can help protect your property against intruders or provide evidence in the event of a break-in. But with all the technology available today, it can be tough to figure out which smart security camera...

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If you own a business, no matter what size it is, you most likely need business insurance. However, just because you have commercial insurance doesn’t mean you always have the right protection. Here are four of the most...

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If you’re looking around for home or auto insurance, you may find the process confusing, especially if you’re new to buying coverage and aren’t familiar with the terminology. Here are five essential things you should...

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Many startups and small businesses often forgo business insurance to save money. However, this can backfire and actually cost you more in the long run - without the protection business insurance affords. Here’s why...

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Grilling food is a fun pastime, and it’s ideal on those summer days when you don’t want to heat up the kitchen. But every year, there are accidents and home fires because people don’t grill safely. Follow these tips to...

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If you’re confused by all the different types of insurance available today, you're not alone. Learn the difference between landlord insurance and renters insurance so you can get the coverage that’s right for you. What...

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No one likes the thought of having pests in their home, whether they be rodents, cockroaches, ants, or any other common household pests. If pest activity is common in your area, it is important to take steps to prevent...

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Smart business owners have business insurance, no matter how big or small their company is. But do you have all the coverage you need? Here are five places where business owners often find themselves lacking in...

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You've worked hard to create a beautiful garden for your yard, but there is more to yard maintenance than simply mowing the lawn and watering the plants. There are plenty of other tasks you'll need to complete in order...

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If you own a rental property, it’s no doubt a source of income for you. Therefore, you want to protect your property with the right insurance coverage. Read on to learn why you likely need rental property insurance,...

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Water damage is one of the worst problems that homeowners can run into. Not only can it be incredibly expensive to repair, depending on the extent of the damage, but it can also create the potential for mold and mildew...

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Whether you have one company car or an entire fleet of vans, you want to make sure you’re taking the right safety steps. Follow these tips to reduce accidents, keep employees safe, and protect your business vehicles. ...

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Spring is a common time for people to take on all of the cleaning tasks that they put off during the winter. With the weather getting warmer, it's the perfect time to tackle jobs both inside and outside your home. While...

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No matter what size office your business occupies these days, it seems like energy costs are going up, up, up. Here are some tips on how you can save money and help the environment. Perform Regular Maintenance Checks on...

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You may not give the windows on your home much thought, but they can actually make a big difference not just in your comfort level, but also in the value of your home. You'll have a wide range of options to choose from,...

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If you own a small business, especially if you work alone, you may think you don’t need business insurance. But actually, without this protection, you could be opening yourself up to a world of liabilities. Here’s what...

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If you're like most people, you like to keep your home at a comfortable temperature throughout the year. However, running your heater or air conditioner constantly uses a lot of energy, and your electric and gas bills...

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The remote work model of the last few years is shaping up to be the wave of the future. Follow these tips to support your remote employees, whether it’s for a few months as needed or as a permanent new business model. ...

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Today's modern appliances are much more energy-efficient than their predecessors, and some are even better than the rest. When shopping for appliances, you'll likely be overwhelmed by choice, so it is important to know...

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Work consumes a huge chunk of most people’s lives. As such, a healthy and positive work environment is vital for employee mental health and business success. Luckily, more companies are now bringing mental health to the...

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Smoke and carbon monoxide detectors are essential for any home, so you should ensure that your house is equipped with them. You should have detectors in the main living areas on each floor, including in every bedroom...

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As your business grows, so do its associated risks. Whether you are offering new products, increasing your headcount, expanding your operational structure, or shifting to a new location, all these moves come with...

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No one likes to think about the possibility of a fire in their home, but this is one situation where it definitely pays to be prepared. This is especially true if you have children or pets in your home. Read on to learn...

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As a business owner and employer, it is your moral and legal obligation to keep your employees safe and healthy at all times. Despite your intentional efforts to keep their work environment as safe as possible,...

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Solar panels can provide clean electricity for your home, helping you to save money on energy costs while also doing your part to help the environment. However, not all homes are suited to solar energy. Here's what you...

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Businesses are exposed to many different types of risks. A single, unfortunate incident or lawsuit can cause your business to crash before it can even get off the ground. Luckily, there is a wide range of business...

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When it comes to buying insurance, you have two primary options available to you: independent agents like us, and captive agents. While both can provide insurance services, these two types of insurance agents are not...

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More and more people these days are choosing to add dash cams to their vehicles, and for good reason. These small cameras can be highly useful to you, especially in the event that you get a traffic ticket or are...

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Summer is here and people are flocking to the water — whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger. According to the U.S. Centers for Disease Control and...

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In today’s digital world, slander and libel lawsuits are more common than you may think. Comments made in haste or anger on social media can have lasting and far-reaching effects on a person’s reputation or character,...

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Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can...

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Sometimes a basic homeowners policy just isn’t enough. So as your career advances and your income increases, it’s important to keep your insurance protection up to date. This helps you avoid expensive gaps in coverage...

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Shopping online. Visiting the doctor. Buying gas. In nearly all of the things we do from day to day, there’s the risk of identity theft. You could unknowingly give your information to a fraudster thinking you’re...

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If you have a homeowners policy, you probably expect it to cover all the costs of rebuilding your house in case it’s damaged or destroyed by a covered hazard. But are you certain you have enough coverage? Read about two...

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It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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Unless you’re headed to a warmer climate for the winter - or you live in one already - fall is the time to start preparing your RV for winter (as long as you’re done using it for a while, that is). And just because you...

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Fall is a wonderful time - if your home is ready for it. So enjoy the last few weeks of warmer weather, but do a little preventative maintenance while you’re at it. You’ll fix small problems before they become big, and...

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We’re not quite sure where summer went, but if you haven’t noticed, the new school year is upon us. And as you get your kids organized and ready, consider doing the same thing for something else - your home. It won’t...

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What would you do without power tools? Well, you’d probably take on fewer home-improvement projects — and probably have a lot more calluses on your hands. Thankfully, you don’t have to do without. But you do have to use...

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Water damage can be disastrous to your home. Imagine discovering that your entire basement is filled with brown water and sewage from a backed-up water main or other pipe. It’s not only disgusting and potentially...

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It doesn’t take a massive remodel, or a big budget, to make your house feel a little more like home to you. Inside or out, small improvements can make a significant difference - and whether you’re handy or not, you can...

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Congratulations! After weeks of research, comparing makes and models, and taking test drives you finally bought that brand-new car you wanted. But before you take that well-deserved road trip, check one more item off...

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A safe home, a regular routine, a soft bed – the things that bring you comfort bring your pet comfort, too. It’s so important to give some advance thought to how you’d handle your pet responsibilities during and after a...

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Let’s spare a moment for something most of us use every day yet probably take for granted: our service lines. We rely on them for access to water, electricity, gas, Internet connection, and more, but only think about...

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Carrying a minimum amount of auto insurance is required by state laws, so you can’t legally drive without it. Yet while the minimum amount keeps your premiums lower, it can also put you at great risk if you have an...

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Every year, unintentional carbon monoxide (CO) poisoning (not linked to fires) sends 20,000 people to the emergency room and causes more than 4,000 hospitalizations. And, you might consider them the fortunate ones. CO...

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If you’ve ever been stuck on the side of the highway with an RV issue, you know what a life saver roadside assistance can be. Whether you need a battery charged, a tire changed, or a tow you’re often back on the road in...

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The collector car market evolves with each generation. While the Silent Generation started collecting cars, it was Baby Boomers who really got it rolling. They fell in love with the Chevrolet Bel Air, the Ford Mustang,...

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Decluttering is having a moment these days. Organizing guru Marie Kondo has her own show on Netflix, people everywhere are going through their things and asking, “Does this bring me joy?” and many are even exploring the...

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Fall is here, and there are still plenty of motorcycles on the road. And the key word here is “see.” People driving cars and trucks often fail to notice the motorcyclists around them, partly because they’re not...

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Group riding is a favorite activity among many motorcycle riders. Whether you’re part of a riding club, a social event, a charity ride, or out for a leisurely cruise with friends, group riding can be a rewarding way to...

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There’s perhaps no organizing task more daunting than the garage-it’s often the dumping ground for the stuff that has no other place in the house, or the things you don’t use but just can’t bring yourself to toss. How...

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Summer is here, which means it’s time to think about family vacations! (If you haven’t been thinking about them all year, that is.) The family part of family vacations, however, can make things a little complicated. You...

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With spring in full bloom and summer just on the horizon, prime boating season is upon us. And you might notice more people on the water than ever, because sales of recreational boats have been growing at a steady clip...

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April 22 marked the 49th annual Earth Day, when more than 1 billion people in nearly 200 countries were expected to take part in what the Earth Day Network calls “the largest civic-focused day of action in the world.”...

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Spring is a time for new beginnings, and cleaning and organization around the house are very popular this time of year. If you’re ready to tackle the monumental spring cleaning chore, read on for some helpful...

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Back in the early days of home security “systems,” around the end of World War I, it was common for homeowners to hire “door shakers”-night watchmen who would literally walk around and check doors to make sure they were...

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Whether it’s a gift from someone special or a gift to yourself, a new piece of jewelry can bring some sparkle to your life. However, many people who find themselves victimized by burglars—or a fire or some other...

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Drafty windows. Leaky faucets. Dirty air filters. All are common issues in homes across the country, and they’re not just annoying-they also cost you money in decreased energy efficiency and higher bills. The U.S....

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You’re not just imagining it—a lot of people are traveling with their pets these days. According to a TripAdvisor survey of more than 1,000 travelers, 53% of those responding said they take their pets on vacation, and...

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- While it may sound daunting, renters insurance actually provides significant coverage for your personal belongings in your home! - - It protects your personal belongings from, but not limited to: fire, theft, and...

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Owning a home is usually a great experience. But it can also be a hassle, especially when unexpected issues pop up-whether you have a minor breakdown or a major catastrophe, it’s almost certainly going to require time...

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Online data breaches are just an unfortunate fact of life now-as the New York Times put it, you might as well assume that your personal information has been taken, because cyberattacks happen all the time. That’s why we...

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For many of our neighbors, summer means more than sunshine and vacations. It also means working in the yard – often with tools that can be dangerous if not used properly. Each year about 400,000 people are treated for...

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Did you know that hundreds of thousands of people in the United States commute to work by bicycle, according to the U.S. Census Bureau? That’s a lot of cars off the road each day, a lot of gasoline saved and a ton of...

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If you own a boat (or better yet, as the joke goes, you know someone with a boat), you’ve probably thought about spending some evenings on the water - especially in the summertime. It’s a great thought, of course. But,...

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Summer’s almost here. The sun will come out of hiding, and people will, too. As crowds swell at the beach, in parks, and even on roadways, it all makes for some challenging driving conditions. More people are out and...

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As a homeowner, one of the most important aspects of your home isn’t something you use daily. And it isn’t something flashy you show off to friends. It’s your homeowners insurance policy, and it protects you in more...

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You probably don’t think your dog would ever bite someone, let alone cause a serious injury. But dog bites are more common than you might realize-4.5 million occur every year in the U.S., according to the Centers for...

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Every year, according to the Centers for Disease Control and Prevention, hundreds of people in the U.S. die from carbon-monoxide (CO) poisoning-and the invisible, odorless gas sickens thousands more. The numbers seem...

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A ring from a loved one. A bracelet handed down through generations. A watch or necklace marking a special occasion. Every reason you treasure a piece of fine jewelry is a reason it should be insured. However, calling...

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You’ve heard all the talk about driverless cars - but unfortunately, we’re still years away from living in a world where you just tell your car where to go, kick back and relax with a book (or, more likely, your phone)....

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From building materials to furnishings, many of the things in your home likely aren’t as flame-resistant as those from yesteryear. A fire in a modern home is a “perfect storm,” according to safety consulting and...

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It’s easy to lower your insurance costs - especially if you have a great driving record, or don’t mind having higher deductibles. Who doesn’t want to pay less for car insurance? Billions of dollars are spent on ad...

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One of the most certain things in life is uncertainty. Your dog could bite the neighbor’s kid. Your teen driver could hit a cyclist. A guest could fall down your stairs. A rainy morning commute on worn-out tires could...

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That oh-so-covetable experience of taking a dip in your very own pool? Millions of American households enjoy it, at least when the weather’s nice. With the summer heat ratcheting up, you may be coming down with a...

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As a busy homeowner, it's easy to fall into the trap of pushing off tasks that maintain the long-term value of your home in favor of more pressing problems. That’s OK, to a point, as certain house-cleaning projects...

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Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry. Spring rainstorms are a fact of life in many...

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Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can...

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Apartment living can have many advantages: low maintenance, close to work and entertainment, and ease of changing residence. But, if you’re a dog owner, apartment living can present some difficulties. You probably won’t...

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In today’s economy, everyone is pinching pennies. So why worry about umbrella coverage? Shouldn’t a home and auto policy leave you adequately covered?Unfortunately, we live in a world of lawsuits. Large damages can be...

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For many who use their vehicle for work, it can be difficult to navigate the differences in coverage and exclusions between a personal auto and a commercial auto policy to know how to best protect your individual and...

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When most of us hear the term "data breach", it brings to mind recent headlines about attacks on companies like Target, Anthem & Yahoo and the direct impact those attacks had on their bottom line or stock valuation...

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Talking to Your Teen About Safe Driving When teens begin to drive, according to the National Highway Traffic Safety Administration (NHTSA) and the National Safety Council, the sobering statistics start to pile up:Car...

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You’ve heard all the talk about driverless cars. Yet we’re still years away from living in a world where you can just tell your car where to go and then kick back and relax with a book or your phone. Even still,...

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No matter how safe you are behind the wheel, you’ve probably done things like: Shift into drive while the car is still rolling backward. Ride the brakes on steep hills. Roll into the gas station on empty. Guilty? If so,...

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It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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At one time, protecting a business against outside threats meant safeguarding and insuring the brick and mortar building and tangible assets of the organization. Burglar & fire alarms, and perhaps maybe even...

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Technology has made home alarms of all kinds — from security to smoke, radon to radiation — more accessible than ever. Many of them can be configured to work together, and some even alert you to trouble through your...

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It seems everyone these days has a smartphone. Or a smart TV, a tablet, or an ebook reader. Or all of the above – and more. When you add it all up, you may find you have thousands and thousands of dollars tied up in...

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Have you ever noticed that, with roadway anger, it’s always the other guy’s fault? And, it very well could be. The thing is, you can’t control how other people drive. But, you can control how you respond to situations...

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When the sun is out and the weather’s warm, people flock to the water — whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger. According to the U.S. Centers for...

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The family summer vacation is a time-honored tradition, and it often includes a trip to one of our country’s incredible amusement parks. But, while the rides and other attractions at these parks are typically safe, it...

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Spring has arrived, which means it’s time to clean the cobwebs out of the corners, organize the closets and so forth. While you’re at it, don’t forget to revisit the important documents and other items you have in your...

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A fire is a fire, and a fire extinguisher is a fire extinguisher, right? Well, not quite. There are actually different types of fires and different types of extinguishers that respond best to each one. So, which is...

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What is directors & officers coverage, and why does your business need it? - Directors and officers liability coverage, often called D&O coverage, is an essential coverage for big and small businesses alike.Why...

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It’s just rain — how much impact can it really have on your driving? The answer: a lot. You’re likely to experience lower visibility, reduced traction and increased difficulty in handling your car both during and after...

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Do you have the right car seat for your child? With so many options out there, it's important to make sure you protect your most precious cargo."Infant-only", "convertible", "all-in-one"... many soon-to-be parents don’t...

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Flood zones rate whether you live in a low, moderate, or high risk area. Flooding is on everyone's mind. El Nino is predicted to bring a lot of rain to California, and with rain comes flooding. We have talked about...

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El Nino will bring more than just rain to California, it could bring mud. Are you covered?At this point El Nino is fact not fiction. We all know that El Nino will be bringing higher than average rainfall to California,...

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Sandbags can be used to create a barrier between your property and flood waters.El Nino is predicted to bring flooding this year. Flooding is unpredictable by nature, but you can take steps to protect yourself and your...

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El Nino brings rain, and rain brings flood. Are you ready? Flooding is the USA's number 1 national disaster; in the past 5 years all 50 states have experienced floods and/or flash floods. You don't need to be in a flood...

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El Nino Brings Rain, and FloodIf you are in California, you know what is coming this year. El Nino is on everyone's mind, no longer a possibility, it is a fact. In a drought, rain is both a savior and a terror. And...

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You may or may not have noticed an increase of pink in your daily life; October is Breast Cancer Awareness month and we are proud to show off our pink ribbons at Partner Agency. Chances are you, or someone you know,...

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You can hardly go a single day without being reminded that California is in the middle of a serious drought. Many cities have signs notifying you that they are no longer watering public areas, museums have disconnected...

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Today's Wellness Wednesday is a little different from the norm. Today we want to share a story from one of our insureds. The Bobier family has been long time clients of Partner Agency. We knew a little about their story,...

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Summer time is the best time to get your family, or a group of friends, together and finally go on that road trip you've been talking about. You might be visiting someone or you might just want to explore this beautiful...

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Imagine how devastating it would be to lose your home in a fire. Now imagine not being able to rebuild it completely because you didn’t have the correct amount of insurance.Selecting the proper amount of coverage is the...

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In honor of motorcycle safety awareness month we wanted to discuss motorcycles and give you some tips on determining if a motorcycle is right for you.Is a motorcycle right for you? - As springtime sets in and summer...

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Here are 5 tips to help reduce your carbon footprint this Earth Day! Take showers instead of baths. Most showers use less water than a bath does. If you really want to reduce water, turn off the water during the time...

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Don’t leave the future of you and your loved ones to chance. Partner Agency can help you find the right life insurance coverage for you, and help ensure that your policy continually meets your needs.What are the...

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This week we have a great treat for you! Our very own Mommy Extraordinaire Monica has come up with some wonderful tips for kids and cars. Monica knows firsthand how having 2 small children and a dog can make any car...

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It takes more than age to make it a classic. A collector car isn't just a way to get around. It’s an investment that will continue to appreciate in coming years. What you need to know about Classic Car Insurance...

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Now that you have secured coverage for 2015 through the Affordable Care Act (ACA), what do you do now? Step 1: Find a doctor in your plan You will likely wish to begin by finding out if your prior doctors and other...

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The Affordable Care Act went into effect 2014, and with it came the federal law that requires all US citizens have health insurance or suffer a penalty. If you did not have health insurance for 2014, and you did...

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Most people have an idea of what’s covered and not covered under their various insurance policies. But at Partner Agency we get a lot of questions about borrowing or loaning a car. There are a lot of reasons you may...

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Some big changes happened in California January 1, 2015. One of the biggest was the implementation of legislation allowing for undocumented citizens to receive a driver’s license known as Assembly Bill 60, or AB 60 for...

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In 2015, employers of with a certain amount of full-time employees will be subject to the Employer Shared Responsibility, which means that the employer must offer affordable health benefits. This is due to the...

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The Affordable Care Act (ACA) has had many people scratching their head and wondering what will be included on their new ACA-Compliant policy. What are the Mandatory Benefits and Excepted Benefits? What are Mandatory...

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Covered California is sending notices to health plan enrollees asking permission to automatically verify their income for the coverage year 2015.Why does Covered California need to know my household income?Having...

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The Affordable Care Act has led to many changes with small business owners and the employee benefits they need to provide. Many of the mandates were postponed last year, so there is a lot of confusion. We are here to...

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What are the benefits of an EPO plan? Is this plan a good choice for me? What is an EPO plan or an EPO Network? Many people are aware of HMO or PPO plans, but many carriers, such as Anthem Blue Cross, are now offering...

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Smoke alarm safety is very important. Having enough smoke alarms and keeping them in working condition are important fire safety steps you can take to save lives in your home. Alarms can alert you and your...

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Summertime heat can be deadly- do not take risks! In 2013 alone, a total of 44 children who were 14 years and younger died in the United States from heat stroke by being left in cars during the summer time. These...

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Summer is the perfect time to take a mini vacation away from the city. For those living in the city, the night sky may look like a black canvas with a couple of stars shinning through the atmosphere. Stargazing is a...

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California is experiencing a serious drought for its fourth consecutive year. Governor Jerry Brown has declared a statewide drought emergency. We all need to do our part and conserve water, now more than ever!...

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June is here and school is out, what better time to take a road trip? Before you do, Partner Agency wants to make sure your car is in good condition for an enjoyable and safe trip. Here are our summer road trip tips!...

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Pet Prescription Team wins $10,000 donation in Safeco Insurance® Make More Happen Contest Thanks to all of your votes Partner Agency and the Pet Prescription Team won SafeCo's Make More Happen Award! We couldn’t have...

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Have questions about what happens after March 31? We have answers! What you should know about the end of Open Enrollment and Special Enrollment periods. March 31 is the last day anyone can sign up for an individual or...

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“What’s a Premium again?” A new survey of 1,008 U.S. adults conducted for the American Institute of CPAs by Harris Interactive, found that more than half (51 percent) could not accurately identify at least one of three...

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ACA Quick Facts:  What is the Small Business Health Options Program (SHOP)? Several provisions of the Affordable Care Act (ACA) affect small businesses, their employees, and families. Currently, smaller businesses...

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Have questions about what procedures and services are and are not covered by the Affordable Care Act? We have answers! What is included in my coverage? Many people remain uncertain about the Affordable Care Act and...

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Still have questions about the Affordable Care Act? We have answers! We know that there are still many questions regarding the Affordable Care Act. Today we answer some of those questions concerning the...

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2014 has arrived, and with it come several new auto laws for Californians. The new year is upon us! If you live in California that means that we have several new auto laws on the books. 1. Mobile Devices are Completely...

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The Holidays are upon us! Toby lists his top holiday gifts for animal-lovers and their dogs This is the time of the year to give gifts to those you love, and we at Partner Agency know that sometimes the ones you...

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Many small businesses do not offer health care, and if they do, many part time employees are not eligible for group coverage. There is now a place that provides the coverage you need! Where do I get my health coverage...

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What are the latest changes to the Affordable Care Act and how will they affect me and my premiums? Revisions to the Affordable Care Act and the Effect of Extending Coverage to Non-Grandfathered Policies There has been...

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Holiday shopping does not come without risks - learn how to protect yourself and your gifts from theft this Black Friday! Black Friday has become a national holiday of it's own, people camp out for days, forgo sleep,...

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[caption id="attachment_474" align="aligncenter" width="819"] What are the newest proposed reforms to the Affordable Care Act and how will they affect you?[/caption] Due To Public Appeal, President Obama Addresses the...

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Are you still unsure of how the Affordable Care Act will affect your small business? Many employers are wondering how the Affordable Care Act will affect the coverage they provide to their employees. Below is a recap of...

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The application process can be confusing. Let us help you with listing what sort of information you will need to provide in order to sign up for the Affordable Care Act. What sort of information do I need to apply for...

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Are there exemptions from the penalties provided by the Affordable Care Act for those who have difficulties paying for health insurance? Aligning Individual Medical Mandate Penalties With the Open Enrollment Period...

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President Obama spoke of website issues; does this affect Californians applying online for Covered California? President Obama referred to website issues Monday in his address to the nation. Do you know which site he is...

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Does your business face hazards and risks during certain tasks or projects? Don’t make accidents or injuries an option for your employees on the job. Instead, you should look into having a reliable workers compensation...

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Covered California is a hit with 94,500 applications started since October 1  Consumer Interest Remains Strong for Health Insurance Offered Through Covered California Marketplace. Covered California had 600,000...

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Thousands of consumers investigate health insurance through the new Covered California Marketplace in first week of opening. Covered California's Grand Opening Success! Partner agency has been informing you of the...

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If you venture into the city often, then you know that city buses seem to take over the road. It is important to be careful as you drive near or pass by such a large vehicle. Failure to be cautious could present real...

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Workplace Wellness Programs are on the increase! Learn about how the federal government is proposing to reward your business for participation. Wellness Program Rewards in the Workplace The U.S. Departments of Health...

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The time to enroll in Covered California is near! As an Individual or Family, may I enroll in Affordable Health Care Medical Coverage at any time of the year?  Who can help me? Enrolling for medical coverage will...

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As a business owner, do you understand the importance of setting goals for your company? The desire you have to reach an accomplishment cannot be rushed. Altering your methods to become more realistic when tackling a...

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There are companies and individuals that might take advantage of consumer confusion and some of the misinformation out there about new coverage options under the Affordable Care Act. Opportunities for potential fraud...

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Typically, people live in homes made on the ground. Can you imagine living in a home high up in the trees? This may sound extreme and like something out of a fantasy book, but one local man followed his passion for the...

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Do You Qualify for Affordable Health Care Financial Assistance? If you need help paying for health care, you may qualify for federal assistance. Under the Affordable Care Act (ACA), also known as health care reform, the...

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How will member level rating affect the health care invoices I will get as a small business owner? As an Employer, will my January 2014 group health billing statements continue to look the same as today? The Affordable...

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Are you concerned about the hot summer? If your employees are working outside most hours of the day, it is important for you to make sure they don’t become dehydrated on the job. Some people are more sensitive to the...

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Are you wondering how to sign up for the Affordable Care Act? Will it be through your employer, or independent of your employer? Must my Small Group Employer offer me Medical Insurance? With all these changes and...

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With the upcoming health reform changes through the Affordable Care Act (ACA) many people have questions about what kind of additional coverages will be available, and to whom? Will the new Health Care Marketplace have...

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Have you been in a rush to find a parking space in the city? If so, you may have made the choice to park your vehicle illegally in the hopes that no one will notice. However, the officials in a city are very diligent...

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What is your role as a small business owner in informing your employees about the health care reform options? As an Employer, do I need to inform my employees about the Health Benefits Marketplace…even if our company...

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Are you having trouble improving your client services? Running an organization is filled with ups and downs, but pleasing your customers shouldn’t be a struggle. If it is, then you most likely are losing business...

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Stopping mail delivery, putting a few lights on a timer, and leaving a key with a good neighbor are still wise home protection ideas before leaving on vacation. And while it's important to protect yourself with these...

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Affordable Health Coverage - If I still cannot afford it, are there financial assistance programs available to me? Many people know they need health insurance but are concerned about the price. Luckily, there are&...

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Explaining the Essential Health Benefits provided by the Affordable Care Act Essential Health Benefits The Affordable Care Act (ACA) mandates that Individual/Family Health Plans and Small Employer Group Health Plans...

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The nightmare of putting out a fire on your own home can be a scary experience. No homeowner should have to experience such tragedy due to an unpredictable wildfire. In order to protect your property and family this...

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What is the SHOP Marketplace and What Will It Mean for Small Business Owners? The SHOP (Small Business Health Options Program) Marketplace will open in October of this year for coverage that is proposed to take effect...

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Planning a summer road trip with your best four-legged friend? Here are some safe traveling tips for you and Fido! Whether you're headed out on the road for a weekend drive or a longer vacation, there are some car trips...

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How will Covered California allow you to shop for health insurance? Will there be penalties for the uninsured? California's Marketplace The Affordable Care Act establishes state marketplaces where individuals and small...

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How to Choose Your Health Plan? With all the impending changes from the Affordable Care Act, you may be wondering "How will I choose my health care plan?" To help make shopping for health insurance easier, health plans&...

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As a business owner, it is crucial that you train your employees in workplace health and safety. If you do not do this, you could be breaking laws. In addition, you increase your business’ risk for accidents. Don’t put...

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Are you wondering how the Affordable Care Act will change the way you get your health insurance? Big changes are coming in October 2013. Big changes for a lot of people. The Affordable Care Act is expected to help...

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What does health care reform mean to me and my employees as a Small Business Owner ? If you have anywhere between one to fifty full-time employees, then you may be wondering how the Affordable Care Act (ACA) will affect...

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Are you wondering how the Affordable Care Act will be implemented, when you enroll, and how it will affect you and your family? We have answers! How is the Affordable Care Act going to be implemented in California?...

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How much do you love cars? Whether you are an avid collector of automobiles, have attended many car shows, have put your vehicle on public display, or own the most expensive car around, you should also consider...

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Questions about health care? We want to become your partner in unraveling the mystery of health care reform! Here at Partner Insurance Agency, it is our goal to redefine the relationship between you and your...

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Do you believe your company is attracting the right kind of customers? Focusing on customer care should be a top priority, especially since excellent customer service can be hard to find now a days. Learning and...

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With a rise in strong winds in the state, it is important for you to protect your household. Any precautionary measure is better than none at all. Most people underestimate the power of wind, especially if they are...

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Daylight Saving Time begins Sunday, March 10, 2013, for most places in the United States, so don't forget to set your clock forward one hour. We here at Partner Agency want to remind you it's also a great time to...

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If you're a snowbird and you're headed away from the cold this winter to a sunnier and warmer spot, you can move on to the next article. Just know that we here at Partner Agency wish you a safe journey - and that we're...

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Millions of Americans will do some traveling this holiday season - the majority of it by car. Of course, winter weather creates a unique set of challenges on the roadways, whether you're simply driving around in...

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Why should I have a home inventory? - Your furniture and appliances, clothing, sports or hobby equipment, and electronic goods are all regarded as personal property. Like many people in California, you may own much more...

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