Social Media for Insurance Agencies

Homeowners and renters insurance can offer protection for your personal belongings, but this coverage is often limited when it comes to high-value items. Items like jewelry, artwork, coin collections, and other rare or expensive items might require more coverage than a standard policy allows.

Keep insurance documents in a safe place and make sure others know where to find them so they’re accessible in an emergency.

Large or small, any event you host requires a lot of planning and preparation. Special event insurance is one way to help protect your festivities and secure coverage for the potential risks you may face.

Vroom-Vroom! Each classic car is unique in its own way, so it’s important to get an insurance policy that meets the needs of your particular vehicle and how you plan on using it. It’s your investment—protect it.

Weddings can bring joy AND stress. Damage to materials, illness, unmet vendor obligations, and more can turn your special day into a nightmare. Set your mind at ease about such risks and learn more about wedding insurance today!

If you assume your off-road vehicle is already covered by your existing home or auto insurance policies, you’re in for a big surprise. Contact us today to learn more about off-road vehicle insurance so you can enjoy your toys on the trail knowing you’re covered!

After losing a stay-at-home partner, surviving parents can find themselves stuck covering the expenses of their partner’s day-to-day duties. From transportation to education, child care, housekeeping, and more, the cost of supplementing those services can become a massive, unexpected expense. Every family is different, but an insurance agent can help you decide the best plan for your family’s future.

During the warmer months of the year, it is common for pets to be more vulnerable to heartworms, fleas, and ticks. Unfortunately, most pet insurance policies do not cover the cost of preventative care, but it could be an add-on option. Check with your insurance agent for more details, and don’t forget to schedule a checkup with your vet so your four-legged friends can stay safe this season!

Make your home less vulnerable to an insurance claim this spring. Be on the lookout for cracks in outdoor walkways and seasonal damage to your roofing or siding. It’s also an excellent time to clean out your gutters and replace indoor detector alarm batteries.

When shopping for a travel insurance policy, a common practice is to purchase it about 15 days before your trip. You can also buy travel insurance up to a day before your departure date. However, it’s better to book earlier than later to take advantage of any rewards or benefits that may be available!

Using your high beams in foggy conditions can actually make it harder to see. The light bouncing off the tiny droplets of water reduces visibility.

Did you know most home insurance policies do not cover damage from a flood? Consider obtaining a flood insurance policy, even if you don’t live in a flood-prone area.

Your standard home insurance policy may not cover damage caused by an earthquake. Talk to your insurance agent to find out if a standalone earthquake policy makes sense for you.

If you live in an area susceptible to hurricanes, you may want to consider hurricane insurance, as your home insurance policy may not cover hurricane-related damages.

February 10 is National Umbrella Day. It’s also a terrific time to consider a personal umbrella insurance policy to help cover liabilities that exceed your homeowners or auto policy limits.

It’s a good idea to periodically review your beneficiary designations on your insurance policies, including any contingent beneficiaries you may have named. Missing or out-of-date information can lead to complications during an already difficult time.

Thanksgiving is a peak day for house fires. With all the celebrating and distractions, the kitchen can become a dangerous place. Keep children out, never leave the stove unattended, and be sure sleeves and long hair are secured away from flames.

Candles, holiday lights, and Christmas trees all help create the beauty of the season, but they can also contribute to house fires. Never leave candles unattended, check lights annually for frayed wires, and prevent your tree from drying out.

Tapping into the knowledge of an independent insurance agent can help you find the right coverage for your needs.

It’s fun to post your travel plans and photos on social media, but be careful. Letting people know your home is unattended for an extended period could invite a break in.

Check behind your car before you get in to make sure there are no children, animals, or objects. Backup cameras and mirrors can still leave blindspots, and it’s all too easy to backover someone or something.

Do you know if your vehicle has been recalled and needs repairs? You can find out for yourself at NHTSA.gov/Recalls

Leaves and other debris can accumulate in your gutters, leading to water damage to your roof. Be sure to periodically clean your gutters to keep them flowing smoothly.

If you’re held liable for personal injury or damage you cause, your entire life savings are at risk if you don’t have enough liability insurance. Protect your assets with an umbrella policy.

Like auto insurance, motorcycle insurance standards are set by each state. However, minimum coverage may not be enough. Make sure you’re adequately protected.

Having a personal watercraft can be quite fun for the whole family. But that all comes to an end in the event of an accident with someone who is uninsured or underinsured. Make sure you have the coverage you need.

Did you know that you may be eligible for discounts if you buy more than one insurance policy from the same company? Talk with your agent to see if you can bundle policies and pay less!

Understanding who is responsible for fallen tree damage can be complicated. If you have trees around your home, even if they’re not on your property, it’s important to understand how your insurance works. Your agent can help you understand!

When using your fireplace, be sure to keep glass doors open to prevent creosote buildup. If you have a mesh curtain, keep that closed to prevent embers from leaving the hearth.

If someone is hurt on your property and you’re held responsible, your assets are at stake. Make sure you have a sufficient limit on your homeowners insurance policy and consider an umbrella policy if you need more protection.

Electrical fires can severely damage your home. Prevent them by checking cords regularly for looseness, fraying or breakage, avoiding extension cords, and never forcing plugs into an outlet.

Renters insurance is significantly less expensive than homeowners insurance, yet less than half of all renters say they have it. If a tenant’s property is damaged in a fire or other disaster, the landlord’s insurance won’t cover replacement costs.

Almost every state has minimum auto insurance requirements. It’s important to purchase at least the amount required by law, but often this isn’t enough. Your insurance agent can help you determine the amount of coverage you need.

Is your child headed off to live at college? Your insurance needs may change so be sure to consult your agent.

Everyone should practice driving safety year round, but as schools reopen, it’s a great time for a reminder to watch out for children!

It’s easy to put off getting the coverage you need, especially when you feel unsure of how life insurance works and what policy is right for you. Call your agent today to discuss your options.

Up to 13% of motorists in the U.S. are uninsured. If an uninsured driver causes property damage or bodily injury to you, you’ll end up paying for it. Uninsured and underinsured motorist coverage can help.

Sometimes bundling your auto and home insurance can save you money. However, that’s not always the case. Be sure to do your homework when it comes to price comparisons.

Insure your home for what it would cost to rebuild or replace, not the market value. Whether the market in your area is high or low, you’ll still have the coverage you need.

Having a BBQ is a favorite summer treat, but each year thousands of Americans get injured while grilling outdoors. Be sure to use caution and never leave a grill unattended!

Could you list every item in your home as well as the value? Making a home inventory before disaster strikes can help you replace damaged belongings.

Opting for the least expensive insurance premium may leave you under-insured. Of course, you don’t want to be over-insured, either. An insurance advisor can help you sort it all out.

The Social Security Administration estimates that 25% of 20 year olds will become disabled before they turn 67. Buying LTD when you’re young and healthy keeps the premium down and ensures you’ll have it when you need it.

What happens if you total your car, but it’s worth less than you owe on it? Gap insurance can cover that difference.

Eating while driving is extremely dangerous and is often to blame for car crashes.

You are three times more likely to be in a car crash if you are fatigued.

Identity theft can be devastating. Consider purchasing identity theft protection services.

It’s important to look over your car periodically. Check your fluids, the treads on your tires, and your wiper blades!

Did you resolve to buy life insurance this year but you’re still putting it off? Understanding more about it can help. Consult an insurance agent to learn what type of policy might be right for you.

Keeping your distance from other drivers on the road is an important safety practice.

Even one inch of water can cause tens of thousands of dollars in damage to your home. Consider flood insurance.

All sorts of risks can crop up on your farm, so it’s essential to consider a policy that reflects your operation’s needs. Whatever you produce, be sure that your insurance policy takes all factors into consideration. We’d be happy to help you sort through it all.

When there’s trouble brewing, you want to make sure you have the right insurance in place to protect your business. Breweries need coverage that’s tailored to their specific operation. We can help you understand your risks and how to protect what you’ve worked so hard to build.

Planning ahead is vital for your business. One type of coverage you don’t want to overlook is key person life insurance. If anything happened to your senior staff, the financial losses for your business could be very real. Help safeguard the longevity of your business by contacting us today to learn more about your options.

As a restaurant owner, you know the amount of work it takes to run your business on a day-to-day basis. But did you know that getting a restaurant insurance policy may help give you a fighting chance if disaster strikes?

Having non-profit insurance for your organization may help protect you from the financial consequences of professional mistakes, lawsuits, bankruptcy, and damage to your reputation.

Compared with ordinary commercial auto insurance, commercial trucking insurance needs to cover bigger risks as well as a wider range of risks. The potential costs of damage to property and medical bills are higher simply because a truck can have a bigger impact in a collision. Contact us to go over the needs of your trucking business and the coverage options available to you.

Do your employees use owned, rented, or leased vehicles for work? An accident can occur at any time. If an accident occurs while operating a vehicle on behalf of your business, a non-owned auto policy can cover your liability. Speak with an agent today for more details.

Looking for the best rates for your fleet? Your insurance company needs to see that you take safety seriously. How can you prove it? Encourage driver safety courses, invest in vehicle maintenance, and use data in your favor to target team members with poor driving records.

Professional liability insurance is not always a one-size-fits-all solution for consultants, but it’s a start. Risks and coverage needs can vary based on the industry or niche of the consultant. The best way to safeguard your business is to discuss additional coverage options with your insurance agent.

We love serving and supporting small businesses in our communities. Do you know of any small businesses that deserve a shout-out? We want to hear what they do best and why you love working with them!

March 29 is National Mom and Pop Business Owners Day. No matter how small your business is, you could be facing risks. Insurance can offer protection.

If your business is located in an area prone to earthquakes, you may have unprotected risks. Talk to your insurance agent about whether a standalone earthquake insurance policy could be beneficial.

The second week of January is Home Office Safety and Security Week. With more people working from home, it’s important for businesses to consider the different risks they could be facing, including cyber security threats, employee safety, and risks of theft.

Your business is at risk for theft and fraud by both third parties and employees. Crime insurance can help protect you from loss.

You may think your business is too small to need insurance, but losses can happen at any size. Business insurance offers valuable protection.

If your business is sued for discrimination, Employment Practices Liability Insurance (EPLI) can help cover the cost of legal defense or awarded damages.

Do your clients rely on your advice and expertise? If so, consider professional liability insurance. This coverage can offer protection if a client accuses you of negligence or mistakes.

A cyber breach will likely cost you more than double the expenses associated with a physical burglary. Are you protected? Cyber insurance can help.

How well do you understand the insurance needs of your business? If it’s been a while since you’ve reviewed your business insurance, we can help make sure you’re right on track!

Is your business prepared for supply chain disruptions? Various events, including severe weather, could lead to interruptions.

Manage commercial auto costs by keeping accidents down. Have clear guidelines around situations like speeding and distracted driving, and be sure to enforce them consistently, no matter who violates them.

If your business faces a data breach or cyber attack, a cyber incident response plan could help mitigate the damage. Knowing the steps to take in a crisis is vital.

What happens if an item you sell causes harm to someone? Product liability insurance can help you pay for defense against accusations as well as damages awarded.

Your standard property insurance likely does not provide coverage in the event of an earthquake. If you’re in an area at risk for earthquakes, consider getting a commercial earthquake insurance policy to protect your business.

Many standard business policies do not provide coverage for damages caused by hurricanes. If you’re in a hurricane-prone area, you may want to consider getting separate commercial hurricane insurance to protect your business.

If your employees use their own cars for work purposes, their personal auto insurance may not offer the protection they need. Consider hired and non-owned auto insurance to protect your employees and your business.

Reduce the number and severity of workplace injuries and, in turn, potentially reduce your workers’ compensation premiums by creating a culture of safety in your organization.

Insurance is helpful when unfortunate circumstances arise, but implementing a comprehensive risk management strategy can help reduce the likelihood of losses.

As much as you try to avoid them, mistakes can still happen. Protect your business with errors and omissions (E&O) insurance which can cover legal defense and judgements against you.

If your commercial building is vacant, even partially, you may be exposed to risks your property insurance won’t cover. Vacant property insurance may help.

Getting business insurance can seem overwhelming. We’ll review your business and make sure you have the right coverage at the right price!

A business owners policy (BOP) combines business property and business liability insurance into one policy.

Even if your business is small or just starting out, neglecting to buy insurance for it puts everything you’ve built at risk.

If an owner, executive, or other essential employee dies, a key person life insurance policy can protect against financial losses.

If your business sells a product, you could be held liable for injuries caused by a malfunction or defective design. Proper insurance coverage can help protect you from losses.

If your business owns vehicles or your employees drive their own cars for company business, you need the right protection! Talk to your agent about commercial auto insurance.

Did you know that commercial property insurance not only protects the property your business owns or leases, but also what’s inside including inventory, equipment, fixtures, and furniture?

In an emergency, do you know how to reach all of your vendors, suppliers, insurance carriers, and employees? Periodically check your contact lists to be sure you can reach everyone you may need during a time of crisis.

If your computer system is hacked and there’s a data breach, costs add up quickly! Cyber liability coverage can help pay for expenses related to restoring damaged equipment, legal fees, and notification requirements.

What would you do if you couldn’t access your building due to a fire or natural disaster? Business interruption insurance can help cover operating expenses, temporary relocation, and even income you would have received if the business were open.

If your restaurant, brewery, or winery serves alcohol, liquor liability is a must. It covers defense costs and damages to person and property caused by intoxicated patrons.

Directors and officers of an organization are responsible for many big decisions. If they make the wrong ones and get sued as a result, the damages can be costly. Directors and officers liability coverage (D&O) can help.

Every 39 seconds. That’s how often hackers attack. October is Cyber Security month, so now is a great time to make sure your business is protected.

A commercial umbrella policy provides higher limits – typically between $2M and $10M – and provides coverage above the limits of your standard policies.

Thefts and burglaries can cause great harm to small businesses. How secure is your location?

Do your employees work remotely? They may get more done if they do.

Workers’ compensation insurance is mandatory in every state, but the laws in each state can vary. Have you protected your staff properly?

A business owner’s policy (BOP) combines general liability insurance with business property insurance into one policy. For many small businesses, this is an important policy to have.

One of the biggest trends in employee benefits is to provide offerings that increase an employee’s work-life balance. A great way to know what that means for your team is to ask them what they need and want. Employers that show they care about their staff often have a more productive and loyal workforce.

Many employers contribute to their employees’ healthcare premiums, with the national average at 83%. However, employers are increasingly paying as much as 100% of their employees’ premiums in an effort to attract and retain talent.

Accidental death and dismemberment insurance is a variation on life insurance, but it only pays out if the death is from an accident. There are cases where having this coverage may be beneficial even for jobs not considered to be high risk. Interested in learning more? Contact us to go over your options and to help you determine if it is a fit for your business.

People don’t often expect to suffer from a critical illness. There may or may not be warning signs, and even when there are, they might not know a serious medical event is imminent. By offering this coverage to your employees, you can help them prepare for the unexpected.

Helping your employees save for retirement not only makes it easier to recruit new staff members but also boosts the financial security of your existing staff. This may help make employees feel more motivated and settled at work. Consider it today!

One significant difference between a health savings account and a flexible spending account is that a person can maintain control over their own HSA, which gives them more flexibility. An HSA can also roll over. An FSA does not allow contributions to roll over and is employer-owned. Contact your agent for more details.

October is Breast Cancer Awareness Month. Increase awareness and promote regular screening for early detection of breast cancer!

FMLA may be accessible to qualified employees seeking care for severe medical conditions resulting from domestic violence. It may also be available to qualifying employees who care for family members suffering from a serious medical condition as the result of domestic violence.

Sure, mindfulness and other stress-reduction techniques in the workplace can cut down on business costs and boost employee productivity. But corporate gain shouldn’t be the only incentive for prioritizing mental health. Outstanding leadership requires empathy, compassion, and a genuine desire for the well-being of all employees, which should always come before profit.

The cost of the same prescription drug can vary by $100 or more, depending on the pharmacy. Even with insurance, the cost of medications can vary. Look for cost comparison tools online or with your health insurer, and check these sources or your pharmacist for discounts and coupons.

Many employees are looking for pet insurance to be offered by their employer. Adding pet insurance to your suite of employee benefits can add value to your package.

Routine dental exams can uncover a host of illnesses, and proper dental care can offer protection from them. Offer dental insurance to your employees and encourage them to use it.

Voluntary group disability insurance can offer supplemental disability benefits to employees at a lower price point, often with no cost to the employer. Many employees appreciate this valuable coverage.

Employee wellness programs offer employers many benefits including increased morale and productivity, reduced health risks and absenteeism, and improved recruitment and retention.

May is Mental Health Awareness Month. Make mental health a priority in your organization by giving employees access to resources that can offer assistance when needed.

Employers are increasingly offering financial wellness programs to their employees. Consider programs that include digital tools, coaching, financial planning, and educational resources that can help employees at various stages of life.

Create a diverse portfolio of employee benefits to represent a diverse workforce. Needs will vary based on an individual’s employment status, generation, gender, ethnicity, race, parental status, or community, just to name a few.

Working parents are a very important part of the workforce. Now more than ever, employees want and seek out companies that offer benefits that can help them balance the changing needs of their family while maintaining their role in the company.

Employee burnout can hurt your employees and your business. Explore programs to help employees manage stress, learn the signs of burnout, and implement programs to address situations before the problem grows.

Do you offer perks to employees to boost morale and inspire camaraderie? If part of your workforce is remote, be sure to include them or offer similar perks so they don’t feel left out.

Flexibility and mental health will become the focus for many businesses in a post-pandemic world. Let us help you explore employee benefits that will support the needs of your workforce.

When was the last time you reviewed your employee handbook? Evaluating the handbook annually can spot changes, inconsistencies, and discrepancies between what’s written and what’s practiced before it becomes a problem.

Flexible spending accounts (FSAs) can offer savings to both you and your employees. Consider adding one to your suite of employee benefits.

May is Melanoma and Skin Cancer Awareness Month. Encourage employees to get routine screenings for early detection.

May is Global Employee Health and Fitness Month. Consider sharing desk exercises, encouraging walks at lunch, and offering other health and fitness related activities throughout the month.

June 1-7 is National CPR and AED Awareness Week. When every second counts, having staff who are CPR and AED trained can make all the difference. Consider offering training to your employees.

April is Stress Awareness Month. Stress can reduce productivity dramatically. Offer an Employee Assistance Program (EAP) to help employees weather life’s storms.

February is National Children’s Dental Health Month. Help employees take care of their children’s dental needs by offering dental insurance.

Telemedicine services allow individuals to seek medical treatment from home or anywhere else that works for them. This can help stop the further spread of illness and reduce time away from work for routine health checks.

Voluntary accident insurance is a cost-effective way to supplement your major medical plan while offering peace of mind to your employees.

Stress can leave your employees unfocused, unproductive, or even ill. An Employee Assistance Program (EAP) can help employees and their families deal with some of life’s challenges.

If your business isn’t subject to COBRA, you may still have continuation requirements under the law. Visit your state’s insurance department to learn about your obligations.

Offering group voluntary benefits is a great way to offer more insurance options to your staff at no cost to you!

Help employees save for retirement by offering them a 401(k) plan.

According to MetLife, 50% of employees say health and wellness benefits are an important factor in loyalty to their employer.

Overwhelmed by benefits? We can review your current offerings or help you get started.

Employees expect a 401(k) plan. Show them you care about their ability to save for retirement by offering one.

Some employers are offering benefits to assist employees with student loans. Are you considering this?

Eye exams can help detect glaucoma, diabetes, high blood pressure, and arthritis. And because many eye diseases are asymptomatic in the early stages, an exam can help detect a problem before it’s too late.

Employees and employers agree that workplace culture is vitally important. It’s not just about snacks and team outings—it’s about showing employees you care.

February is National Heart Month. Encourage employees to take care of themselves by eating a healthy diet, exercising, and visiting the doctor regularly for exams.

Dental health can be a strong indicator of overall health. Offer your employees dental insurance and encourage them to get regular exams.

Love what we do? Refer us to someone you know! A referral is the highest compliment you can give us.

Your feedback is always appreciated. Head over to our website and let us know how we’re doing!

It’s time for No-Shave November! This month-long journey is a great way to evoke conversation and raise cancer awareness.

Summer is coming to an end and schools are reopening. Are your kids ready to go back for the year?

Got any general burning questions about insurance? We know it can be a boring topic, so we won’t take it personally if you don’t. But if you do, now’s your chance to drop it below! If it’s personal, send us a private message, and we’ll be in touch.

May the year ahead be the best year yet. Happy New Year!

“I have a dream that one day this nation will rise up and live out the true meaning of its creed: ‘We hold these truths to be self-evident: that all men are created equal.”

Wishing you great happiness and prosperity!