It’s that time of year…… yep you guessed it, it’s deer season. Peak deer activity season occurs during the Fall and early Winter months. This makes Fall the time of year that you need to be most vigilant and alert while driving. There are two main reasons why drivers may see more deer along the…
Almost everyone has heard of the fatal implications of distracted driving, most notably by using handheld electronic devices. The accident statistics emanating from distracted driving are so concerning and compelling that most states have enacted prohibitions on the use of handheld electronic devices while actively driving a motorized vehicle. Unfortunately, the focus on distracted driving…
When searching to purchase insurance, most people ask a friend “Where did you buy your insurance?”. Unfortunately, most people do not dive any deeper than this when selecting an insurance professional to represent their business to the marketplace. However, this can be a crucial mistake, especially when navigating a highly competitive insurance marketplace where insurers…
In business school I was introduced to the concept of KISS, no not the rock band but a management perspective designed to help processes remain on track: KEEP IT SIMPLE STUPID. The author’s view was that while all businesses are complex organisms, if management could literally keep things as SIMPLE as possible the greater the…
Planning, being alert and choosing defensive driving actions, will keep you and your passengers safe! Know the speed limit – Not all school zones have the same speed limit. Look for the posted signs and respect them. If children run out into the road, the slower speed will give you more time to react to…
The Art of War is an ancient Chinese military instruction book that has been followed by the most successful militaries ever since its publication. The principal concepts of the book are that the battle is won or lost before the first shot is taken due to thorough and detailed planning, or lack thereof. Managing your…
Winter weather is unpredictable. When else can you experience all four seasons in 24 hours? Rapidly changing weather is challenging to predict and can leave you stranded if you are not prepared. In the last ten years, we have experienced several significant snow and ice events that moved in rapidly and caught weather forecasters and…
Vehicle maintenance is often overlooked as a preventive measure to help avoid accidents. Most people are really only concerned whether their vehicle will start when they put the key in the ignition and try to go. However, vehicle maintenance can be a critical factor in avoiding an accident. Vehicles don’t last forever but we can…
Insurance policies are legal contracts which create obligations for both the Named Insured and the Insurer. One of the Named Insured’s most vital responsibilities is to promptly report to the Insurer any incidents that may lead to a claim or lawsuit. The timely reporting of incidents is important because the core function of a Claims…
Many providers believe that their insurance needs can be met by securing just Commercial Automobile & possibly Workers Compensation coverages. The reality is that General Liability coverage is required by your broker and is certainly needed to protect your assets. Typically, General Liability coverage is needed to protect your business from losses that may occur…