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.