Errors and Omissions (E&O) is a type of liability insurance that protects businesses and professionals if a client claims they made a mistake, gave incorrect advice, or failed to perform a service properly. The coverage is also known as Malpractice and Professional liability. Even experienced professionals can make errors, misunderstand a client’s needs, or […]
May 21, 2026
Practical Advice for Safer Rides On and Off the Course As golf carts and personal transport vehicles, become increasingly popular with consumers on and off the course, it’s important to keep safety in mind when driving and riding in them, according to the Outdoor Power Equipment Institute. OPEI is an international trade association representing manufacturers […]
October 23, 2025
September is Life Insurance Awareness Month, and it’s a great reminder that life insurance isn’t just about preparing for the unexpected – it’s a key part of a smart, long-term financial plan. Here’s how life insurance fits into the bigger picture: Wealth protection – Life insurance helps replace income and cover essential expenses. According to […]
September 25, 2025
Medicare (Parts A and B) provides essential health coverage but does not typically include routine dental and vision care unrelated to specific medical conditions or procedures. Without additional coverage, expenses for services like dental cleanings, eye exams, and necessary treatments can quickly add up. That’s why I wanted to share some information on how you […]
August 20, 2025
There is something special about being out in the great outdoors – the smell of campfires soaring through the campground and the sight of the night sky shining bright above you. Camping in a RV feeds the soul. It can provide the most epic views and countless adventures that lead to the most incredible memories […]
July 29, 2025
When you hit the road, you do so in good faith that the drivers around you are protected by insurance, just like you are. Unfortunately, that’s not always the case, as some drivers choose to drive without insurance. This kind of driving not only impacts the uninsured driver, but others on the road as well. […]
June 23, 2025
If you want a safe fleet, start with safe drivers. Studies have shown, again and again, that your drivers are your largest exposure to risk, and your risks are all over the map, literally. Four steps to help identify safer drivers 1. Check the MVR (motor vehicle record) Every driver comes with a history. Obtain […]
May 5, 2025
Fleet vehicle accidents are among the most costly of injury claims for business. The average cost of a loss related to vehicle accidents is approximately $70,000. This is almost twice the cost of the average workplace injury ($36,592). Without a formal fleet safety program, you may be putting the welfare of your employees and company at […]
March 26, 2025
Bodily injury loss costs Since 2020, bodily auto severity has increased 20%, while total loss claims have jumped by 29%.1 Factors contributing to this trend include an increase in uninsured motorists on the road, medical cost inflation and a rise in speeding-related fatalities and injuries. In the latter case, nearly 30% of total traffic fatalities […]
February 19, 2025
Auto Insurance Premiums Over the past two years, auto insurance premiums in the U.S. have risen by more than 20% annually, driven by inflation, increased repair costs, and a higher frequency of claims. But there may be good news on the horizon. In 2025, experts anticipate a moderate increase, with projections of a 3% to […]
January 24, 2025