Navigating the New Normal: Insurance Needs for Remote Workers

Navigating the Insurance Claim Process: Tips for Business Owners

The Crucial Puzzle Piece: Insurance in a Comprehensive Financial Plan

Navigating the World of Insurance: A Guide for First-Time Buyers

Insuring Your Future: The Integral Role of Insurance in Comprehensive Financial Planning

In the intricate tapestry of personal finance, one crucial thread often woven into the fabric is insurance. Beyond being a safety net for unforeseen circumstances, insurance plays a pivotal role in constructing a comprehensive financial plan. This blog post delves into the relationship between insurance and various facets of financial planning, including retirement planning, estate […]

Professional Liability vs. General Liability Insurance

While both professional liability insurance and general liability insurance are designed to protect businesses from potential financial damages, they cover different types of risks. Professional Liability Insurance Professional liability insurance, also known as errors and omissions (E&O) insurance, is typically purchased by businesses that provide professional services. This type of insurance provides coverage for claims […]

Types of Liability Insurance Businesses Should Consider

Types of Commercial Insurance Policies There are various types of commercial insurance policies available in the market that businesses should consider. These policies provide coverage for different types of risks and liabilities that a business may face. While commercial insurance policies provide coverage for various types of risks and liabilities, it’s important to be aware […]

Insurance for your Kentucky Winery

Wineries in Kentucky are not immune to risks that can lead to financial losses. These risks include natural disasters, fire outbreaks, vandalism, theft, and lawsuits from disgruntled customers or employees. Without proper insurance coverage, a winery owner may find it difficult to recover from these losses. Investing in the right insurance policy can help protect […]

Church Insurance in 2023

When it comes to church operations, having a comprehensive insurance policy that covers all aspects can provide several benefits. First and foremost, it offers peace of mind to the church leadership, staff, and members knowing that they are protected against unexpected events. Whether it’s damage to the property due to natural disasters or accidents during […]

Boat and Watercraft Insurance

Boat and watercraft insurance is a type of policy that provides coverage for boats, jet skis, yachts, and other types of watercraft. It can protect you financially in case of damage to your vessel or injury to yourself or others while on the water. Boat insurance typically includes liability coverage, which helps pay for damages […]

Insurance During Stormy Weather

As the stormy season approaches, it’s crucial to prepare for any potential damage that could occur to your home or property. One way to protect yourself financially is by having complete insurance coverage on all your assets. Insurance can provide peace of mind and financial security in case of any unforeseen events. What Type of […]

Is the Insurance Industry Becoming Automated?

Recently, wrote an article about the projections for the insurance industry for 2023.  One of those predictions was the possibility of an increase in automation.  Is it good?  Beneficial?  What potential hazards exist?  Is my agent automating my data and policies?  Is underwriting becoming automated? Advantages to automation? As technology continues to advance, the […]

How to Insure a Manufactured Home

Shopping for Manufactured Home Insurance When shopping for manufactured home insurance, there are a few key things to consider. First, it is important to understand the different types of coverage available. Common types of coverage include property damage, liability, and personal property coverage. It is also important to consider the location of the manufactured home, […]

The Benefits of Farm Insurance in Tennessee

Farm Insurance Benefits Farm insurance in Tennessee offers a variety of benefits for farmers (It does in Kentucky too). Some of these include: Coverage for agricultural property, including buildings, machinery, livestock, and crops Protection against financial losses due to natural disasters, such as floods, fires, and storms Coverage for liability claims, including personal injury and […]

What is Covered by Full Coverage Auto Insurance

What is Covered by Full Coverage Auto Insurance? Full coverage auto insurance is an insurance policy that provides the policyholder with more comprehensive coverage than a standard liability policy. This type of policy usually includes liability coverage for bodily injury and property damage, as well as coverage for medical payments, uninsured/underinsured motorist coverage, and collision […]

someone's knee in a brace for physical therapy

The Benefits of Workers’ Compensation Insurance for Kentucky Business Owners

As a business owner in Kentucky, you are required by law to carry workers’ compensation insurance. This may seem like just another pesky expense associated with doing business, but it actually provides some real benefits. But that’s not the only reason you should have it. Peace of mind and employee well-being are some other valuable […]

3 Benefits of Builder’s Risk Insurance

If you are a builder, contractor, or developer, then you know that there are many risks associated with your work. One way to protect yourself and your business from these risks is by purchasing builder’s risk insurance. This type of insurance can provide you with peace of mind knowing that you are covered in the […]

Errors and Omissions – What it Means for Your Small Business in 2022

Does your business provide professional advice and service? If yes, then errors and omissions insurance is still as important as ever.    What is errors and omissions insurance? Simply put, it’s professional liability insurance that aims to protect the business against client claims. Otherwise called E&O insurance, this policy covers the legal and settlement costs […]

Types of Surety Bonds for Your Small Business

The surety bond acts as a safety net for your clients. It means that they’re reimbursed should you fail to deliver. But does it benefit you too?    Oftentimes, clients require surety bonds to reassure them of reimbursement in case something happens later on such as failure to complete the project, failure to follow regulations […]

What Kind of Insurance Does Your Restaurant Need? 

Protect your restaurant with the right insurance coverage. Here are three kinds of insurance coverage to consider for your restaurant business.    Insurance may not be a great happy-hour subject to talk about but it is a necessary topic that you need to put some thought into. Insurance isn’t only to protect yourself, your home, […]

Do you need flood insurance?

You have homeowners’ insurance, which is already a good thing. But how do you know if you also need flood insurance? Nothing good comes from destructive natural disasters, especially if your homeowner’s insurance policy doesn’t cover the damages. Regardless of an impending catastrophe or not, your heart is more at peace knowing that your property […]

What is ATV Insurance and what does it cover?

ATV insurance is important but not many know just how beneficial it is. Let’s talk about ATV insurance, what it is and what it includes.   The Insurance Information Institute (III) says that ATV (all-terrain vehicle) insurance is a legal requirement depending on where you ride. Some states look for proof of ATV insurance when […]

Your Homeowners Insurance vs Natural Disasters

Your home is one of your biggest investments so it should be protected. One way of doing so is by getting homeowners insurance. Over 350,000 Kentuckians recognize how helpful home insurance is. Regardless if your home is located in a natural disaster-prone area or not, homeowners insurance is a good safety net.    The typical […]

Building Maintenance and Property Insurance

How does property maintenance affect insurance claims? Learn more below.    Your property is an investment, and it’s only logical that you protect it at all costs, regardless of the size of your business or the kind of facility you have. Building maintenance is an integral part of the trade – from regular cleaning to […]

Tips for First Time Home Buyers in 2022

Buying a home is a huge decision and responsibility. Check out these tips before buying your first home!    Homes have been selling for above asking price, and buyers have been bidding against each other since early last year. It’s truly become a competitive space that first-time homebuyers may find intimidating. But there are ways […]

Insurance Trends to Watch in 2022

It’s time to get ready for what lies ahead in the insurance industry.    Every industry changes due to economic conditions, customer demands, new market trends, and more. All these things prompt industries to adapt to survive. Here are some trends you need to know to ensure that you’re keeping up with the changes in […]

Things to Consider when Choosing Your Health Coverage

Getting health insurance isn’t only beneficial for individuals but also for families. However, picking the right fit for your needs can be overwhelming. Instead of enjoying its advantages, you may end up putting your family in a financial bind. You must arm yourself with the right knowledge to make the right decision. Below are some […]

Man in front of computer with smartphone on desk

Plan Your Year: 3 Financial Planning Trends 2022

Have you set up a financial plan for the coming year? If not, then take note of these financial trends in 2022 as your guide.    The pandemic has caused much distress and distractions to peoples’ lives in the past two years. Aside from the health threats, many families have faced an unprecedented financial crisis […]

What is Universal Life Insurance?

Are you looking for life insurance to protect your family and ensure their financial security even in the most difficult circumstances? There are several life insurance options available for you, one of which is universal life insurance.  What is universal life insurance? Simply put, universal life insurance is permanent life insurance. This means that the […]

Your Basic Checklist When Renewing your Home Insurance Policy

What do you do when your renewal notice comes through the mail? Do you make sure to file it right then and there or do you just use the same coverage every year? There’s nothing wrong with not changing your policy; however, you should consider whether your existing coverage is enough for your needs. Your […]

6 Frequently Misunderstood Insurance Terms

The insurance world is broad and vast. It’s not surprising that many are misinterpreting terms and concepts in this field. While you can always call your insurer or agent to explain the concepts for you, it’s good to familiarize yourself with the terms, what they mean, and how these concepts can help you. Here are […]

The Pros and Cons of Leasing a Car

You need to consider your priorities when deciding whether you want to lease a car or to buy a new one. Some make decisions based on their financial capabilities, while some make their purchasing decisions based on their emotions and how much they like a car. It’s best to identify your needs before finalizing your […]

What is a Beneficiary?

The term beneficiary is a common English word and it’s often associated with insurance. However, not many understand the entire concept of a beneficiary and its purpose. In simplest words, a beneficiary is a person(s) or element that you assign to get the assets after you die. For your beneficiary, you have the choice of […]

Police Car Parked on the side of the road

Is Driving Without Insurance Okay?

There are only two states in the United States that allow drivers to drive without insurance – New Hampshire and Virginia.    That said, all motorists in the state of Kentucky are required to have insurance. If you do hit the road without it, you will be notified that the registration of your vehicle is […]

How to Choose a Good Insurance Company

Choosing an insurance company in Kentucky is not an easy task. It means looking for the right insurer where you can invest your hard-earned money for a secured future. This amount of trust you put in a company calls for informed and prudent decision-making. Here are several things you should look for in an insurance […]

Understanding Insurance Policies

Insurance policies are used to hedge against the risk of financial losses, both big and small, resulting from damage to the insured or their property or liability for damage or injury caused to a third party. Unfortunately, many purchase a policy without understanding what is covered, the exclusions that take away coverage, and the conditions […]

Why You Should Get Life Insurance Today

No one saw the pandemic coming. Indeed, no one can predict the future. You’ll never know when you’ll find yourself in a situation where you will need an insurance plan — be it illness, hospitalization, retirement, death, or even an auto accident, a property incident, or an economic crisis affecting your business. And because you […]

Insurance Options for the Church

Most churches operate on a very tight budget. A single incident without insurance can wipe out many churches financially. That is why church insurance is one of the best decisions you can make to protect your church and other religious organizations. Insurance companies offer many types of policies to protect your church’s most valuable assets […]

The Basics of Insurance

Understanding insurance can be complicated. Allow this article to explain the basics of insurance to help you understand how your choice of insurance will protect your lifestyle, assets, and personal property. What is Insurance? Insurance is a contract, represented by a policy, in which an individual or entity receives financial protection or reimbursement against losses […]

The Importance of Life Insurance

Kentucky ranks highly in national surveys of affordability. It boasts a wealth of educational and workforce opportunities as well as some of the best livability factors in the country. However, such factors don’t ensure life will be great at all times – COVID-19 proves this.  The impact of the pandemic The pandemic doesn’t discriminate based […]

Choosing the Right Insurance

Thinking of getting an insurance service that fits your needs at the moment? Contemplating what insurance to buy based on the situation you are in? Fret no more because we at London Insurance Agency and Insurance Service Center will help with all your insurance concerns. We are a dedicated team of experts that work together […]

Why is Insurance Important for nonprofits?

There are multiple different types of insurance that nonprofit organizations may need. In this article, we’ll dive into these types and why insurance is so important for nonprofit organizations.   Nonprofit organizations do not make it their aim to create profit. However, these organizations are still businesses in one way or another. They still need […]

Kentucky Eases Up Restrictions on Some Businesses

 Kentucky restrictions on businesses On Monday, December 14, Gov. Andy Beshear announced that the state is now easing businesses’ restrictions, including bars, gyms, and restaurants. Beshear compared COVID-19 to a fast-moving train. There is no way to turn it around immediately. The process has to be slow. Kentucky’s Restrictions in fighting against the pandemic’s spread […]

Extended Unemployment Insurance Ends this Weekend

Over 4,700 Kentuckians will lose their unemployment insurance benefits by the end of November.    After November 28, no new applications will be accepted and claimants who failed to claim their benefits will no longer be entertained. The Kentucky Labor Cabinet said that about 4, 723 employees in Kentucky are to lose their unemployment insurance […]

What does Kentucky Farm Insurance entail?

Farm Insurance is created to help protect farmers and their families. Regardless of the farm’s size, insurance agencies aim to help farm owners choose the insurance coverage that’s right for their needs and budget.    Agricultural production is dependent on many factors including weather conditions. With climate change, the weather conditions have been changing such […]

The Value of Life Insurance

The pandemic has shocked the world and all its industries. Many people and businesses were unprepared for the financial challenge that came with it. Even today, many are still trying to figure out a way around it and thrive to survive. Businesses have closed down, people have lost their jobs, and many lost their sense […]

Funds Raised for Small Businesses in Louisville, KY

Small businesses in Kentucky will be received a boost from grant money.  Small businesses are considered the core of the economy. In fact, Kentucky has 339,747 small businesses that employ 69, 175 employees. That accounts for over 49% of all the state’s private-sector jobs. There are also 270,572 small businesses with one-person operations. This shows […]

1-2-3 No Cost to Me and MedicAid Works Campaigns Launched in Kentucky

The 1-2-3 No Cost to Me campaign aims to enroll more Black and Hispanic residents in Medicaid.  The state launches the 1-2-3 No cost to Me campaign aimed to help Black and Hispanic residents and other low-income or disabled individuals. Jackie Richardson, chief of staff at the State Cabinet for Health and Family Services expressed […]

Medicaid Helps Kentuckians in Time of Crisis

Kentucky is one of the leading states in Medicaid enrollment as it aims to sign up for all those who are eligible for the service.  The health coverage is just what people need in this time of crisis, especially when many have lost their jobs in the midst of the pandemic. The state adopted the […]

Is COVID-19 Covered by Your Health Insurance?

The pandemic has brought some health care insurance issues to light.  The US government has put forth some ways to strengthen health insurance for its citizens. In fact, the health of its people is one of the country’s top priorities. This is especially important in the face pandemic. Many agencies have activated emergency plans to […]

Protect Yourself from Insurance Scams!

Don’t become prey to insurance fraud. Read more and learn how to protect yourself.  Insurance fraud is not a new issue, it’s always been here and many have fallen victim to this deliberate deception perpetrated by insurance companies or agents for their financial gain. Insurance fraud may be committed in any stage of the transaction […]

Kentucky Aims to Revive the State Insurance Exchange

Kentucky has pointed out that COVID-19 is a deadly lesson and the state is learning it the hard way.  Governor Andy Beshear is seeking to bring back Kentucky’s health insurance exchange, Kynect, a program taken down by the previous Republican governor, Matt Bevin. Beshear said that he’s been sending out letters to federal officials to […]

Kentucky Employee’s Health Plan has Additional Coverage

The Kentucky Employees’ Health Plan (KEHP) is giving additional coverage for its members and will be effective from January to December 2020.  The Kentucky Personnel Cabinet announced on Tuesday that state workers who are also members of the Kentucky Employee’s Health Plan will be getting no-cost health care coverage for any COVID-19 diagnosis. Kentucky Employee’s […]

Saving for Your Emergency Fund

Regardless of the situation, an emergency fund will help you keep your family afloat! Times have been tough for most of us, especially in the face of the COVID-19 pandemic. In Kentucky, at the time of writing, the state now has a total of 7, 935 cases with a death toll of 346. The upside […]

Insurance Companies Offering Rebates to Customers

Did you get any insurance rebates yet? If you haven’t, stick around to learn how to get yours.    The coronavirus pandemic has forced many people to stay in their homes thus causing fewer car accidents in the streets of America. The lack of vehicular accidents, in turn, resulted in fewer claims and an increase […]

Unemployment Insurance Crash Course

With the influx of people filing for unemployment insurance, there’s a line of people waiting on hold. But what is unemployment insurance?   Kentucky Governor Andy Beshear and Education and Workforce Development cabinet Josh Benton both passed new guidelines on how to file unemployment insurance for people who have lost their jobs due to the […]

Kentucky Insurance News regarding COVID-19

Almost 20% of Kentucky’s workforce is affected due to the coronavirus pandemic.    Nearly 10 million people in Kentucky have filed for unemployment benefits since the announcement for filing in March. However, losing a job carries a string of worries for families not only in terms of how the family heads can provide and put […]

Kentucky Unemployment

Kentucky’s New Unemployment Insurance Guidelines

A new guideline has been implemented due to the surge of layoffs in several industries caused by COVID-19.    Many businesses in Kentucky have closed down after Gov. Andy Beshear released an order to put a pause in in-service dining at restaurants. Other non-essential businesses such as salons and barbershops have closed down. This occurrence […]

New Kentucky Bill Would Require Insurers to Help with EpiPens

Kentucky followed suit with Illinois’ bill that requires health insurance providers to include the Epinephrine injectors in their coverage for children and teenagers.    Illinois was the first state to propose the bill that aimed to help parents save up some money from purchasing a life-saving epinephrine shot for their children. Instead of burdening the […]

Kentucky’s Young Children without Health Insurance Increased to 50.7%

We all need regular check-ups but children often need more attention. There are baby appointments, routine immunizations, screenings, vaccinations, and more.    The number of children without insurance in Kentucky has increased to over 1 million for the first time since the Affordable Care Act was implemented in 2014, according to the research data from […]

Auto Insurance Rates Could Increase this Year

Lending Tree reports that Auto insurance may see a rate increase this year. But why? Read more.    There are several reasons why auto insurance prices will likely rise this year. The increasing record of natural disasters as well as the increasing repair rate of tech-loaded vehicles are just some of the assumed reasons for […]

Lower Your Home Insurance Cost in 2020

Are you looking for ways to lower your homeowner’s insurance and decrease your insurance spending this year?    Owning a house in America means having to shoulder the cost of homeowners’ insurance. It is an expense that you can’t escape from. The cost of your home insurance differs based on the location and age of […]

Reevaluate Your Insurance Policy in 2020

The new year has just begun, it’s the perfect time to reevaluate your options and see if you still have the best coverage.    The start of a new decade is a great time to take a hard look at your personal finances. For people who are working on a tight budget, it’s practical to […]

What is Commercial Trucking Insurance?

Do you have commercial trucking insurance needs? If so, you’ve come to the right place!   There are a lot of options when it comes to commercial trucking insurance. Several agents claim to be experts in the field because they’ve insured a few trucks in town. That’s not the case in London Insurance Agency. Our […]

Do I Need a Surety Bond for My Business?

London Insurance Agency provides small and large businesses with surety bonds to help your company grow.    Surety bonds are important facets of any business. These are legally binding contracts to ensure that all the obligations are met in the event of failures. The contracts serve as an assurance that government contracts are completed and […]

Non-Profit Insurance—Know Your Policy

Non-profit organizations and businesses are different in many ways even when they belong in the same industry. Like any other businesses and organizations, non-profit organizations still need the assistance of an insurance agency that will help them with the needs of their charitable entities.    Nonprofit organizations need protection like everybody else. The board of […]

What You Need to Know About Individual Life Insurance

We always want to be informed about the things we invest in before jumping in. Learn about personal insurance today.    Individual Life Insurance | London Insurance Agency  Death is not a good subject for breakfast, lunch, or any other time but it is an important matter that should be thought about. This is most […]

How Does Farm Insurance Work?

Your house needs protection, your car needs protection, and you need protection. Your farm and ranch are no different!   Farmers and ranchers know that their production depends not only on their skills but also on their environment and the season. For better or worse, there are many factors that may affect their production. In […]

What is Personal Insurance?

Personal Insurance is a general term used to define various types of insurances. While some of these insurances are optional, many are required by law.    Explaining personal insurance Personal insurance is your safety net when things go wrong, including the death of the insured individual, serious accident, or injuries that may leave the person […]

Why You Need RV Insurance

RVs are one of the best ways to relax and travel to places, but make sure you have RV insurance so you’re always on the safe side of things. Here in London Insurance, we don’t only offer insurance for wheeled RV, we also look for the best agents from top insurance companies for your motorcycle, […]

Is Church Insurance Necessary?

There are multiple policies in play when getting church insurance. What are they? Keep reading to find out. The church is not exempt from unforeseen occurrences. Like any other establishment, churches have to be protected from situations that may risk the integrity of the building and the things in it. Who needs it? There are […]

What is Motorcycle Insurance and What Does it Cover?

Ride your bike and feel the wind on your face, but not without motorcycle insurance. Riding your motorcycle is liberating with the thrill of the ride. It’s a great escape and an expression of freedom. But you want to be protected while riding your bike so that if something happens, you and your bike are […]

Could Mobile Home Insurance be Right for You?

Home is indeed where the heart is, but not all homes are insured the same. A home may be a townhouse, a condo unit, a bungalow, or a detached single-family home. In other cases, home means a manufactured/mobile home. These are more affordable and many people can call one their own.  Kentucky Mobile/Manufactured Home Statistics:  […]

Do You Have Individual Life Insurance Ready?

Make important decisions, not complicated ones. Buying life insurance is one of the important ones. Not getting a medical procedure because you don’t have insurance is one of the complicated ones. Individual Life Insurance is important as it affects not only your present but your future goals as well. If you still don’t have one, […]

Do You Need General Liability Insurance?

Is general liability insurance right for your business? Protect your business at all costs with general liability insurance. General liability insurance is also known as business liability insurance. This is a general policy that protects your business from general claims including damage to property and injuries. It’s a coverage that protects your business from unexpected […]

Homeowner’s Insurance and Firework Damage

There’s no better way to celebrate the 4th of July than with some fireworks, but how do they fit into your home insurance policy?  Just a few days from now, Independence Day will be upon us. This means you’ll start seeing fireworks lighting the night sky soon enough. It’s common sense to use extra caution […]

Workers’ Compensation Insurance – Know your rights

Protect yourself, your business, and your employees by getting workers’ compensation insurance. Starting a business is a difficult ordeal. It’s not just the investment, it’s more than that. One has to have courage, ample calculation, and the right insurance coverage. The first thing that an entrepreneur must do upon opening the business is to protect […]

Business Insurance – Is my business protected?

Business is a broad word in itself, Insurance is too. When paired together side by side, Business Insurance, everything becomes complex and thus, confusing. There are several internal variables that must be examined before plunging into business insurance. In this post, we will be giving you some of the variables in business insurance you can […]

Benefits of Getting yourself a Life Insurance

Should I get life insurance? Let’s consider the why. It’s almost taboo to talk about getting life insurance while you’re still living. It defeats the purpose of really living life to the fullest when you’re already putting half your money into your grave. But why is there such a wrong connotation about life insurance? What […]

Frequently Asked Questions Answered – Business Insurance

You got questions on business insurance, you’ve come to the right place. We all have questions in our mind needing answers. The state of not knowing things hinder us in making the decisions that could benefit us. We tend to just sit back, afraid to ask, especially if it involves cost and if it involves […]

Commercial Car Insurance

Let’s talk about commercial auto insurance in two areas. First, who is not insured and second, insurable interest. From the policy form itself, who isn’t insured, by definition, is you for any auto that you’ re driving or anyone else while using your vehicle with permission except there are five exceptions to number 2 of […]

Worker’s Compensation

Both the employers and employees have responsibilities in knowing more about their compensation and the coverage policies along with it. It is important for the employers to know the coverages to gauge how much money they are going to put in it for the benefit of their workers. Similarly, the employees must be familiar with […]

Drones and your Insurance Policy

Stephen Vaughn is up with another video on how you can make wise decisions with your insurance policies. This time, he went to a very specific item that almost all techie people love, the drones. It seems like a small and trivial object to talk about but there’s more to drone than just the fact […]

Is your Policy Rotten?

Knowing what policy you want and the things you need is important before talking to any agent. This move saves you from pitfalls and possible misconceptions in asking suggestions for you policy. Rotten Apples, what does that have to do with your Insurance policies? The government has State Laws that we just adhere, so does […]

Examining Worker’s Compensation

Both the employers and employees have responsibilities in knowing more about their compensation and the coverage policies along with it. It is important for the employers to know the coverages to gauge how much money they are going to put in it for the benefit of their workers. Similarly, the employees must be familiar with […]

Why You Need A Personal Umbrella Policy in Kentucky

A personal umbrella policy in Kentucky is designed to protect you in the event your personal liability insurance limits are exhausted.  In today’s society, it’s becoming more common that you may be sued and the amounts, many times, can be very large.

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 […]

Personal Auto vs. Commercial Auto in Kentucky

Understanding your auto insurance needs and requirements is vital if you are a handyman or caterer, or someone that drives their personal car for work.  You should be aware that accidents occurring during your work-related activities likely will not be covered under your personal auto insurance plan.