Blogs

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 […]

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 […]

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 […]

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, […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 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 […]

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 […]

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 […]

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 […]

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 […]

 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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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:  […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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.

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.

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.

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 […]

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 […]