Read five basic risk factors involving residential rental investment property. Learn that residential rental investment property is a long-term investment. You gotta live somewhere. For most working people, the choice of where to live is determined by where the job is, followed by a decision to rent or own. While home ownership remains core to…

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Many Churches have already planned their summer mission trips for the year and I see youth groups and adults traveling to varied places from Biloxi Mississippi to the Potawatomi Indian Reservation in Wisconsin, but one thing is for certain if you are traveling in a 15-passenger van extra precautions must be taken. Depending on how…

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Learn what is driving upheaval in the commercial property insurance market. Read about three restrictive changes being made to commercial property policies. Upheaval is the word for 2024. While the precise definition varies among dictionaries, upheaval involves major change or disturbance that causes conflict, difficulty, confusion, anger. We are surrounded by, and in some ways,…

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It takes more than a tractor and a few barns to run a successful farm. It takes solid judgment and a sound business acumen. Financial mismanagement has foreshadowed the demise of many farms and agribusinesses. Don’t let yours become another statistic. Let’s take a look at a few areas to help you manage your farm’s…

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How many times have you driven by a work site and seen a load of lumber left by a carpenter for a new deck, or several bundles of shingles laying there for a new roof, or even a furnace or air conditioning unit waiting to be installed by an HVAC contractor at a later date?…

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Read about a real-life situation involving auto insurance and a young adult driver. Learn why named non-owned auto liability coverage is needed for some young drivers. Every generation is different. One difference I never imagined was that large numbers of kids in any generation would put off obtaining a driver license. For baby boomers, a…

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It has been very busy at the agency over the last 2 months and I did not realize that I was supposed to write a blog for the agency this week. I know this sounds like an excuse but I was still able to find a great info-graphic from our partners at Travelers Indemnity that…

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Discover real risk to church property associated with water damage. Read why a water sensor system is an effective loss control measure for churches. Water is powerful. One of the most famous stories in the Old Testament involves the parting of the waters of the Red Sea. Film and drawings have etched the divine acts…

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There are many reasons commercial auto rates are rising and as a business-owner you can control some of them. Inexperienced Drivers-A shortage of drivers caused by high demand, a retiring workforce and drivers leaving the industry. This turnover has put the industry in flux. As hiring standards are lowered more accidents are going to occur.…

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Over 1.5 billion tons of hazardous materials are transported throughout the United States annually, according to the US Department of Transportation and Commerce. Are you capable of sustaining a loss resulting in environmental damage? While uncommon, accidents happen, and the time to protect yourself from a financial loss is before it occurs. With the right…

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