The world has been shocked by the COVID-19 (novel Coronavirus) outbreak and pandemic. To stop the spread of the outbreak, social distancing has been the key. Many states have declared Shelter-In-Place orders. In Indiana, Governor Eric Holcomb issued a Shelter-in-Place order on March 23rd, 2020. As part of this order, he required that all bars and restaurants be closed to dine-in customers, all non-essential businesses to close, and non-essential employees to work from home if at all possible. This order was then extended effective April 6 at 11:59 p.m. ET. until April 20. You can read the entire executive order here.
Owning a small business in America is one of the greatest accomplishments for any person. It takes an enormous amount of courage, effort, discipline, time, and money to start and maintain a successful business. Your Indiana business insurance is just one aspect of the business and it should not be overlooked. If your business is not properly insured then you are running the risk of each day being the last your doors are open to the public.
The number of options you have when buying insurance may seem overwhelming. You can go online and purchase coverage yourself, contact a captive agent (State Farm, Allstate, Farmers, Farm Bureau, etc), or you can use an independent insurance agent/broker. There are advantages to each channel depending on what you are trying to accomplish with your insurance program.
As a restaurant owner, looking over your insurance coverage may seem dull in comparison to the fast paced environment you are accustomed to. You walk into your restaurant each morning and are faced with countless tasks that seem to grow as the day goes on. Is your prep cook going to show today? Did your assistant manager mess up the produce order again? Have you purchased the best restaurant insurance coverage? Continue reading →
One of the most valuable assets a person owns is their home. It’s where you raise your family and build lifelong memories. It makes sense to protect your home and family with a comprehensive home insurance policy, but there are plenty of times a home insurance claim is not paid. Continue reading →
Car ownership for insurance purposes is pretty simple for the average person. Obviously, if you own a car then you need to insure it. However, there are a few common scenarios that we see on a regular basis where the owner is not the same person as the one who has the policy. This could be a recipe for disaster with your insurance!
One of the most difficult concepts to grasp when it comes to homeowners insurance is the value to insure your home. How do the insurance companies come up with this value? For example, you may wonder why your home’s market value is $200,000 but your policy insures the home for $300,000. This is because home insurance replacement cost is completely different than market value.
As we approach the holidays many people look to pick up part time jobs in order to earn a little extra cash. Driving for a ride sharing company like Uber or Lyft is becoming increasingly popular here in Fishers, Indiana. Uber car insurance in Indiana is only offered by a few companies and many people don’t realize they need the coverage.
The question I’m afraid my clients are not asking is, “Will my car insurance company pay if I’m in an accident?” If you don’t know the answer to this question then the answer is NO, your car insurance will not cover you.
I have been an insurance agent for 34 years and I have never seen the marketplace more competitive than it is today. There are more outlets to purchase and more coverage options than ever. Of course, this can be both good and bad for the consumer. Good because you have more options than ever.
Bad because serious mistakes can be made if you do not purchase the coverage you need. It can be a daunting task to wade through all the options and make the right decisions. That is why using an Independent Insurance Agent is more important than ever.
I see consumers making the same 5 mistakes daily. Don’t be one of them. Continue reading →
Unlike motor vehicle insurance, homeowner’s insurance is not required by law. However, if you purchased your home with a mortgage, your lender likely required you to buy a homeowner’s insurance policy to protect their investment in case of a fire or natural disaster. It’s important coverage to have—even if you own your home free and clear—and you may even be able to reduce your annual premium once you understand the factors that generally affect homeowner’s insurance rates.