​Welcome to our new insurance agency blog!
 
This is our very first post. We're not quite sure what we're going to write about here, but the plan is to create helpful content for customers and prospective clients about information that is relevant to you.
 
We hope you'll come to view this as a top resource for keeping your family and your finances safe.
 
Here are a few of the topics we may be writing about:

• Answers to clients' frequently asked questions.
• Helpful information about insurance shopping.
• Safety and Health Tips and Ideas.
• Local Community Information.

 
Stay Tuned!

​Life insurance – everyone needs it, but how much coverage do you need? Every individual has a unique situation and choosing the amount of coverage requires calculating specific factors. These include the financial obligations that would be left should you suddenly pass away, including:

​Your business insurance should cover every possible risk for your operation. It may surprise you that as a basic calculation, the entire range of business insurances, including commercial liability, commercial property insurance, health insurance for employees, workers’ compensation, and other insurances should be budgeted at about 20 to 30 percent of expected gross sales. Smaller businesses can expect to budget far less.

​Latino History Month, or officially, “National Hispanic Heritage Month,” runs from September 15 to October 15 each year. During the month, we celebrate the history and many contributions to the American life experience, and the beauty these cultures. Among our population, millions of people have a family background from Spain, Mexico, the Caribbean, or South America. Each of these cultures is unique, and each deserves to be honored and celebrated.

No one is perfect, and most people get a traffic ticket at least one in their lifetimes. But the truth is, your driving record can significantly affect your life insurance. If you have a current life insurance policy and you get a speeding ticket, it will not affect your rates. On the other hand, if you are applying for a new policy or additional coverage, you can be sure that your driving record is one of the factors the insurance company will consider.

It takes hard work, dedication, creativity, and tenacity to get a small business up and running successfully, so it makes sense to have the right insurance coverage in place to protect it. In fact, purchasing business insurance may be one of the most important decisions you make. The right coverage can help prevent unforeseen events from ruining all you have worked so hard to build.

Driving a car with no A/C can be miserable during the hot summer months, particularly during a heatwave. As important as it is to your comfort and that of your passengers, automotive air conditioning can be expensive to repair or replace when it breaks down or malfunctions.

A life insurance policy can give you peace of mind knowing that your family will be provided for if anything should happen to you. Unfortunately, many people put off this critical task, in many cases due to concerns about cost. A major factor affecting your premiums is the rating the insurance company assigns you based on an assessment of your health and lifestyle. There are steps you can take to lower your premiums.

Workers’ compensation has become a major contributing factor to the cost of business insurance. Premiums are high for many types of businesses, and the additional costs associated with employee injuries can be staggering.

We all want to save money on home expenses and have more to spend on the finer things in life. When the seasons change, so do the money-saving strategies. The following are some tips on how to save money during the hot summer months.