What Business Insurance Coverage Does Your Business Need?

Regardless of the size of your company, you need adequate business insurance to protect you from a potential loss. However, finding the right business insurance can be difficult, especially if your company is new. Many different options exist, and not all coverage is the same.

Business Insurance Basics

The purpose of business insurance is to protect your business from loss in the event of an accident, natural disaster, or another type of covered event. If a covered event occurs and you have the right type of insurance, you can file a claim with your insurer and receive compensation to cover your losses. Without the right insurance, you will have to pay for all of your losses on your own.  (more…)

Filed under: Business Insurance Agent,Commercial Insurance — Dave Leahy @ 9:13 am June 28, 2017


Does Your RV Need Extra Insurance?

Whether you’re thinking about buying an RV or you already have a recreational vehicle that you’re preparing to take out on the open roads, one of the most important factors to consider is one of insurance. While it’s true that you could add an RV onto your existing auto insurance policy, doing so would cause you to miss out on some of the special forms of recreational vehicle insurance coverage explicitly designed for these vehicles – and the benefits that only they can provide.

RV Insurance: What You Need to Know

As with a traditional auto insurance policy, RV insurance is designed to protect the owner and operator in the event of damage or injury caused by an accident. Because recreational vehicles are so much larger (and more expensive), crashes tend to be more costly than those involving traditionally-sized vehicles. This is why RV-specific policies are so essential – they take these factors into consideration, making sure that you don’t have to worry about a gap in coverage. (more…)

Filed under: Auto Insurance — Dave Leahy @ 9:45 am June 13, 2017


Why Your Insurance Agent is Still A Great Deal For You

For some things, buying direct and cutting out the “middleman” just makes sense and saves you money; most of us are bombarded regularly by insurance advertisements offering to lower your costs with a one size fits all policy. The truth is, those direct insurance policies may be exposing you to more risk than you feel comfortable with and often even end up costing you more in the long run.

Benefits of Using an Independent Insurance Agent

Comparison Shop and Save

An independent agent is not tied to one brand or company; they can check with many different insurers to find you the coverage that suits you best. Often an independent agent can find you a better deal than you’ll make calling around on your own; the coverage provided is usually more comprehensive as well, since a professional insurance agent knows what to ask for to reduce your risk. (more…)

Filed under: Independent Insurance Agents — Dave Leahy @ 4:40 pm May 31, 2017


6 Tips to Getting the Right Home Insurance

If you have a mortgage, home insurance is most likely required by your lender. However, even if your home isn’t financed, purchasing an appropriate home insurance policy is still highly recommended. To find the perfect home insurance policy, consult the tips below.

1. Know what you need.

Before you can start shopping for home insurance, you need to know how much coverage you need. To calculate your coverage needs, you must know your home’s current market value, which is the amount of money a buyer would be willing to pay for the home. You must also know the home’s replacement cost, which is the amount of money you would need to replace the home if it was destroyed. (more…)

Filed under: Homeowners Insurance,Independent Insurance Agents — Dave Leahy @ 12:13 pm May 19, 2017


How to Reduce Your Business Insurance Costs

In many ways, business insurance is something of a “give and take” proposition. On the one hand, you absolutely need it to help make sure your organization is protected from all angles. On the other hand, you don’t want to maintain that protection at the expense of your bottom line. If you’re looking for ways to help reduce your insurance costs, there are a few key techniques you should consider.

Increase Your Deductible

Your insurance deductible is a bit of a balancing act, but if you can execute it successfully you’ll save a great deal of money. If you agree to the highest deductible you can comfortably afford, you can enjoy lower premiums as a result.  (more…)

Filed under: Business Insurance Agent,Commercial Insurance — Dave Leahy @ 3:01 pm April 29, 2017


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