Our Insurance Blog

Welcome to our Insurance Blog! As your insurance and risk management advisers, we want to share important information with you on industry trends, changes, or even customer stories. We hope this is an informative source for you. If you have any questions about any of the content, please let us know!

Homeowners Insurance: When Do You File a Claim?

Homeowners insurance is designed to cover damage to your property caused by certain covered events. It stands to reason, as you are paying your premiums, you should take advantage of available coverage. The reality is, it is not always advisable to file a homeowners insurance claim as it can lead to higher premiums or even cancellation in some cases. Underwriters tend to frown on policyholders... Read Article

Be prepared with a home inventory list

Preparation can be key to dealing with the potential clean up after a natural disaster. Something easy you can do is to create a list of everything in your house so that it can be used during the claims process if a loss occurs. Here are six tips on how to create a home inventory.                    ... Read Article

Finding Success with Succession Planning

If you are a business owner, does succession planning keep you up at night? Whether you’re in a partnership or a family business, succession planning can seem daunting. However, effectively transitioning your business from one owner to the next—whether that transition occurs due to a planned exit or an unexpected or tragic event—is critical. Without a plan in place, your years of hard work could... Read Article

Understanding Your BOP

A business owners policy (BOP) combines protection from all major business property and liability risks in one convenient package. Package policies are created for small and mid-sized businesses that face the same type and degree of risk. A policy that combines property and business liability insurance can cover your business for claims resulting from fire, theft, and other covered disasters, and for claims that could... Read Article

Take Care with Long-Term Care

A version of this article was published in the Morristown Citizen Tribune on August 15, 2018. By: Andy Smith, Financial Services Trusted Advisor Chances are, most of us will need help taking care of ourselves later in life. According to the U.S. Department of Health and Human Services, among 65-year-olds, 70 percent will use some form of long-term care in the years ahead. The cost... Read Article