What You Need to Know Before You Purchase Your First Apartment Building
Insurance is more than a box to check for owners of apartments, condos, and rental properties, it’s a critical safeguard against real financial and legal risks. Property damage, tenant safety, and rising legal liability make commercial habitational properties some of the most complex to insure. To get it right, owners need coverage that reflects their unique…
Read MoreCalled to Gather and Serve
Discover parallel themes applicable to church life/works and to insurance. Read an out-of-the-box presentation of themes relating to both church life and insurance. Worship gathers church members and friends. It is a coming together for praise, prayer, and communion. From that solemn ceremony, we are each called to go forth and serve, as our Creator…
Read MoreThe Insurance Side of a Healthy Farm
If you’ve been paying attention to what’s happening in agriculture lately, you’ve probably heard the term regenerative farming. It’s more than just a buzzword—it’s a movement that’s all about giving back to the soil, not just extracting from it. I’ve had more and more conversations, recently, with farmers who are experimenting with cover crops, reducing…
Read MoreWelcome to National Cybersecurity Month
For the past month the agency has been dealing with a cyber attack to our partner’s at SonicWall. This forced us to pivot and find another provider to protect our network! While we did not sustain a direct loss, the lost productivity and the time to migrate to the new system were very disruptive. I…
Read MoreChampion Building Codes
Learn why it is essential for contractors to comply with building codes. Read about the connection between insurability and enhanced building codes. Competition drives progress and innovation, and quality separates the wheat from the chaff. The contracting world is highly competitive, so much so that cutting corners and low-balling expenses to get jobs is a…
Read MoreBefore and After: The Cost of Underinsuring Your Home
I’m often asked how home insurance values are determined and why there is a disconnect between market value and it’s insured value. Everyone loves the lowest price on home and auto insurance. Myself included. The ultimate goal though is to ensure that if something happens, you will be made whole again. To do this, it’s…
Read MoreAge Is More Than a Number
Learn why the age of investment properties is a significant underwriting factor. Discover risk factors often tied to older investment properties that affect insurability. Cracking? Peeling? Overhanging? Energy glitches? If you’re over age 60, you may be familiar with one or more of these conditions. A thorough check-up by a healthcare provider may be in…
Read MoreThe Personal Side of Farm Insurance: More Than Just a Policy
When most people think of farm insurance, they imagine numbers on a spreadsheet, legal jargon, and the agreement to protect property and equipment for set prices. But for farmers and their families, it’s much more than that. It’s personal. Farms aren’t just businesses—they’re homes, legacies, and lifestyles. They’re where families gather for Sunday dinners, where…
Read MoreChurch Fire
On average 1,300 church fires are reported each year, don’t become a statistic. With more than $40,000,000.00 in fire damage occurring in Churches each year, this is a great time to review some basic loss control items around your Church. Arson comprises 25% of church fires, 30% of church fires result from mechanical failures related…
Read MoreTake It Up a Notch
Discover a sightseeing adventure with a general interest insurance hook. Learn about the critical role common sense safety plays in risk management. It’s summertime. A time to “get away”, recharge, do something new. On that cue, I’ll start with a few warm-up questions and answers. Next, I’ll transition to a liability insurance and risk…
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