If you’re planning to rent a home to guests via an online home-sharing website, or if you’re using one to find a summer vacation rental yourself, it’s important to have the right insurance protection. The National Association of Insurance Commissioners (NAIC) has answers to the most frequently asked home-sharing insurance questions.
What ...
[Read more]
Are You Protected Online?
You can't be too careful online these days. Did you know we have options for you to protect yourself in the event of identity theft, a loss of business data, or in the event of a data breach?
Protecting Yourself Online
Your homeowners insurance policy protects you if severe weather damages your electronics or if a visitor falls and is injured ...
[Read more]
Prepare for Summer Heat
Whether you’re supervising employees who work outdoors this summer or spending time outdoors yourself, heat-related illnesses are a serious summertime health concern. To prepare for the summer heat, make sure you and your workers recognize the symptoms of heat exhaustion and heat stroke and how to prevent them.
image lic. Craig ...
[Read more]
Lightning Safety Myths & Facts
MYTH: Lightning never strikes twice in the same place.
FACT: Lightning often strikes the same place repeatedly, especially if it’s a tall, pointy, isolated object. The Empire State Building is hit nearly 100 times a year.
MYTH: If it’s not raining and there are no clouds directly overhead, you’re safe from ...
[Read more]
Agency Notables – Summer 2014
Nicholas Kozlowski is appointed as Commercial Lines Manager
Doug Cook has worked with the agency since January 2012 overseeing commercial lines. As of June 2014 Doug has accepted a position as a territory manager for a national workers compensation carrier. Doug has been a tremendous asset to the agency and we wish him the best in his new ...
[Read more]
That’s What Insurance Is For? (Maybe Not) – Personal Auto Rate Update
Personal auto insurance pricing has changed a lot in the past five years. Credit and claims history now factor into premium rates in a big way. The best rates are reserved for individuals with a very stable credit record, a history of no late payments, and no claims. Quite a few of our carriers now base new-business rates on a five-year claim ...
[Read more]
Is It Time To Increase The Deductible On Your Homeowners Policy?
We have had many years of severe weather with an increased frequency of claims for wind, hail and water damage, including water backup/sump overflow. This claim frequency has resulted in increased rates for homeowners insurance and other property insurance lines. When the industry pays out more than it collects in premiums for a line of coverage ...
[Read more]
Should My Business Have An Umbrella Policy? Is $1M Enough Coverage?
Last month many of us watched the devastation caused by an explosion at a fertilizer plant in West, Texas. The company that owned the plant, West Texas Fertilizer, had a general liability policy with $1,000,000 limit for any one claim and an Umbrella policy that gave them another $1,000,000 in coverage. It will simply not be enough to pay for the ...
[Read more]
We are a Trusted Choice independent insurance agency in Collegeville, PA providing auto, home, business, life, health and group insurance in PA, DE, MD and NJ.