Business Insurance Renewals Often Mean Changes to Terms

Commercial insurance rates are increasing on nearly every line of coverage, thanks to a rise in the frequency and severity of claims. And business owners are noticing significant premium hikes at policy renewal time. What might not be as apparent are: To protect your business interests, you need to know what questions to ask and […]

Motorcycles and Insurance

Driving a motorcycle can be liberating, but it can also be dangerous. There are unique risks involving motorcycles, and accidents can be severe. The right insurance coverage is essential to protect yourself, your passengers, other drivers and your bike. Standard motorcycle insurance policies cover bodily injuries, property damage and liability to others. They can help […]

May Is Motorcycle Safety Awareness Month

The National Highway Traffic Safety Administration (NHTSA) reminds drivers that safe motorcycle riding and driving habits can help save lives. The main contributing factors to motorcyclist fatalities in a crash are speeding and alcohol use. There are several ways motorcyclists can help ensure a safe ride: Look Twice Save a Life Motorists must remember that […]

Work Zone Safety for CMV Drivers

Commercial motor vehicle (CMV) drivers have a lot to consider when it comes to operating their vehicles safely. This is especially true during various seasons throughout the year—such as road construction season, which generally takes place from June through November. After all, road construction can create numerous hazards for CMV drivers, seeing as they must […]

Frequency, Severity and Your Commercial Auto Insurance Premiums

Auto insurance rates are based on several factors, frequency and severity of crashes, auto repair costs, medical and hospital costs, lawsuits and court judgments, insurance fraud, vehicle type, and deductibles. This means that while your company’s inherent level of risk is a factor that affects the premium you will pay for auto insurance, that amount […]

6 Tips for Adding a Teen to Your Auto Policy

If your teen is approaching driving age, it may be time to start thinking about adding them to your auto insurance policy. Although this will likely increase your insurance premiums, it is typically cheaper than having your teen purchase an auto policy in their own name. Here are six tips to consider when adding a […]

How to Prevent Catalytic Converter Theft

A catalytic converter is a device found in vehicles’ exhaust systems that converts environmentally hazardous exhaust into less harmful gasses. Though catalytic converters have been installed in every new vehicle since 1975, theft of these devices has skyrocketed in recent years due to the highly valuable precious metals they contain. This article discusses why catalytic […]

Benefits of Commercial Auto Insurance

When it comes to running a business, vehicles-whether they’re leased, rented or owned—are crucial for a variety of tasks. Whether transporting materials and tools to worksites, hauling goods for deliveries or driving to meet clients—companies of all kinds rely on safe and functioning vehicles to serve customers and generate profit. It is important to protect […]

8 Ways to Save On Auto Insurance

Rising premiums may leave you wondering what you can do to save money on auto insurance. While you can’t control all of the factors influencing your premiums, there are a number of cost-saving strategies you can use: Tips to Save You Money For More Information To talk more about ways to save on your auto […]

Common Exposures for Retail Operations

Owning and operating a retail store can be a fulfilling experience. Years of hard work, risk-taking and financial investments have allowed you to turn your dreams of opening a store of your own into a reality. However, many business owners don’t realize how many exposures they must address to keep their business operating smoothly. Depending […]

Emergency Roadside Kits

The Importance of Being Prepared Close your eyes and picture this scenario: You are driving late at night on a country road and your vehicle becomes hard to control. If your vehicle is equipped with a roadside emergency supply kit, you will have all that you need at your fingertips to get back on your […]

Common Exposures for Plumbing Contractors

Plumbing contractors provide much-needed services for both residential and commercial customers alike. However, plumbers have a number of unique risks to consider. In fact, any incident involving installing and repairing pipes or fixtures can lead to major property damage, as well as potential legal action. These challenges are magnified when you consider that risks related […]

Common Exposures for Hotels

Owning and operating a hotel can be a rewarding endeavor. However, hotel operators have to manage numerous exposures related to lodging, and many offer amenities—including pools, exercise facilities, bars and restaurants—that can dramatically increase the number of insurable risks. The list below provides an overview of these hotel risks and more, helping you identify potential […]

Fall Driving Tips

Each season presents unique driving circumstances, and autumn is no different. Consider these driving tips to stay safe on the road this season: No matter the season, it’s important to use caution, drive slowly and maintain a safe following distance from the car in front of you. By Zywave, Inc.

Defensive Driving Tips

Although getting behind the wheel may seem like a simple, everyday task, it could be one of the most dangerous things you do all day long. As a defensive driver, you can help avoid motorized crashes and lower your risk of costly insurance claims. By utilizing defensive driving measures, you can help keep yourself and […]

Common Auto Insurance Policy Questions

If a friend drives my car, is he or she covered by my policy? Since most insurance coverage is connected directly to the car, if someone else borrows your car occasionally, he or she should be covered under your policy. Yet, your premium is based on both your vehicle and the “primary” driver of that car—you. […]

Motorcycle Safety Tips

Riding a motorcycle can be an exhilarating way to travel on the road. But doing so also comes with significant safety risks. Before you hit on the road on your motorcycle, review the following top causes of motorcycle accidents and safe driving tips. Top Causes of Motorcycle Accidents Safety Tips for Riders Make Yourself Visible […]

Save Money on Gas

Regardless of the vehicle you drive, there are many ways to save money on gas. Try these tips to cut costs: By Zywave, Inc.

Preventing Distracted Driving

Distracted driving occurs whenever you engage in an activity behind the wheel that takes your attention away from the road. Such activities can include using your cellphone, eating, drinking, plugging information into your GPS or adjusting the radio. Think distracted driving isn’t a serious concern? Think again. According to the National Safety Council, more than […]

Winter Driving Emergency Kit

Winter driving can be dangerous—even more so if you’re on the road unprepared for a possible accident. While winter weather has the potential to leave you and your car stranded, a winter driving emergency kit could help you get back on the road or at least help keep you safe while waiting for help to […]

Preventing Distracted Driving

It’s easy to become distracted while driving on the road. Winter weather can make roads slippery and hazardous, so it’s even more crucial you stay present while driving during the colder months. Follow these tips to prevent distractions while you’re on the road: For additional information or questions about preventing distracted driving, contact us today. […]

Tips for Saving on Gas

Spending money on gas is inevitable when you drive a vehicle. Although it’s hard to avoid spending money on gas, there are ways you can save the amount you’re spending. To start saving, practice the following gas-saving driving tips: By taking the time to practice gas-saving tips, you can help save yourself money bit by […]

Motorcycle Safety Awareness Month

May is Motorcyclist Awareness Month. With warmer weather, more motorcyclists will be on the road. This means surrounding drivers should increase awareness of their surroundings to help prevent accidents. To help keep motorcyclists safe on the road while you’re driving your vehicle, follow these safety tips: For additional information or questions about Motorcyclist Awareness Month, […]