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Car Insurance Rates Explained

When it comes to car insurance, there’s no one price-fits-all scenario. In fact, car insurance costs can vary greatly from driver to driver, carrier to carrier and even state to state. It’s not only about which coverage you select. Many other factors can also impact your car insurance premium – here are seven of them.(continue reading)

Why Life Insurance?

In the event of a tragedy, life insurance proceeds can help cover everyday expenses, like the mortgage and household bills. The cash received from a policy (a death benefit) can help protect your family from being burdened with debt. In addition to helping meet your family’s immediate financial needs, life insurance can also be used(continue reading)

Distracted Driving

Keeping your hands on the wheel and off your phone can keep you safe. When you text, reach for your phone or dial a phone number while driving, you’re three times as likely to get into a crash, according to the Virginia Tech Transportation Institute. Each year, hundreds of thousands of car wrecks stem from(continue reading)

Extensions Cords Could Spell Disaster if Not Used Properly

Over 3,300 residential fires originate from extension cords each year, killing or injuring over 300 people.* Extension cords are flexible, insulated electrical wires with plug(s) at either end. They are designed for TEMPORARY use. For example, using an extension cord to power an electrical drill while installing an electrical outlet is a temporary use. Running(continue reading)

April is Stress Awareness Month

What is stress? Stress is the body’s reaction to any change that requires an adjustment or response. The body reacts to these changes with physical, mental, and emotional responses. Stress is a normal part of life. You can experience stress from your environment, your body, and your thoughts. How does stress affect health? The human(continue reading)

Employee or Independent Contractor?

Classifying an individual as either an employee or independent contractor isn’t a simple task. Unfortunately, no standard test has emerged to determine the true character of an independent contractor relationship under the Fair Labor Standards Act. Employers have various considerations to determine how issues of employment benefits, workers’ compensation, unemployment compensation, wage and hour laws,(continue reading)

Buckle Up: Car Insurance Rates are Rising

According to the Insurance Services Office, loss costs throughout the auto industry have increased at a cumulative pace of 20% from 2012 to 2015. There are several reasons for the increase and ways you can reduce your auto risks. Economic Improvement As the economy improves and businesses expand, it means there are more vehicles on(continue reading)

National Ladder Safety Month

March 2017 is National Ladder Safety Month Every step matters: from step stools to extension ladders, make sure you’re putting the right foot forward Every year over 300 people die in ladder-related accidents, and thousands suffer disabling injuries. Mark your calendar to join the American Ladder Institute (ALI) in celebrating the first-ever National Ladder Safety(continue reading)

Love Your Valentine’s Day Gift? Insure it!

Those who don’t buy shiny things or flowers for Valentine’s Day may prefer other types of valuables, such as electronics, artwork, antiques or wine. All totaled the U.S. spent $18.2 billion this year on Valentine’s Day, which is down 7.6% from 2016. Whatever the purchase, you should take steps to safeguard and insure your valuables. Homeowners(continue reading)