Entries by Ricky Docto

Is Ride Sharing covered in Kentucky?

Ride-sharing is becoming more common in the past few years and now available in over 100 cities.  If you drive for a ride-sharing company or are thinking of doing so, it’s important to know the insurance implications if you drive your own personal vehicle.

Halloween Safety Tips

Some Halloween safety tips to remember with the holiday coming soon: When choosing a costume, stay away from billowing or long trailing fabric. If you are making your own costume, choose material that won’t easily ignite if it comes into contact with heat or flame. If your child is wearing a mask, make sure the […]

Protecting Your Home from burglary in Kentucky

Many homes in Kentucky each year are burglarized, and people face home invasions every year.  However, there are steps that Kentucky homeowners can take to help protect their homes.  Many times, as well, these steps can help lower your homeowner premiums and claims.

Rotten Apples

On this rainy November day, I find myself reflecting upon the most common insurance sayings or topics I have heard over the last thirty four years. The one item that quickly pops in my head is people wanting “An Apples to Apples Comparision”. You logically are asking yourself, “what’s the problem, insurance dude?”.

Packing for winter trips in Kentucky

If you’re travel plans include winter driving, there are some things you’ll want to make sure and keep in mind.  It’s always best to be prepared for any winter driving, because roads are always more dangerous in the winter.  Here are a few tips to make your winter travel safe and enjoyable.

Term vs. Whole Life Insurance in Kentucky

When comparing term and whole life insurance many times residents in Kentucky wonder which is better.  Both products serve the same purpose in protecting your but understanding the difference is important when choosing your life insurance policy.

David versus Goliath

Most of us have heard the story of David versus Goliath. It is a classic story of a person, with God’s help, overcoming great odds and almost certain defeat to win a battle. Goliath was a giant. He was about 9 feet and 3/4 inches tall. He was wearing armor from head to toe and the […]

Top Property and Liability Claims for Small Businesses

Kentucky small businesses have claims relating to many different things including injury, liability or other damage.  Some carriers have indicated that some claims are more expensive than others and sometimes no thought of as often. Some of the most expensive claims for a Kentucky business include: Vehicle Acccidents – make sure to vet your new […]

Workers Compensation Insurance in Kentucky

Workers Compensation insurance in Kentucky is mandated by law and as a Kentucky business owner you need to have the right coverage for your employees.  Many factors are involved in obtaining a workers comp policy and here are some of those: Number of employees.  Since coverage is required for each employee, the number of workers […]

Employment Practices Liability Insurance in Kentucky

From the moment that you start the pre-hiring process until the exit interview, you are vulnerable for a lawsuit. As a result, your business should take a hard look at whether it can afford to defend itself against alleged wrongful employment practices accusations. If not, there is an insurance solution called Employment Practices Liability that […]