How Does Cyber Insurance Protect You From Ransomware?

How Does West Virginia Cyber Insurance Protect You From Ransomware? As many amazing things technology offers—more connection, convenience, and access to information—inherent risks are present for any company or individual who makes technology an everyday part of their lives. There has been a shocking increase in cyber attacks across the United States—including smaller states like West Virginia.  According to recent…

Continue ReadingHow Does Cyber Insurance Protect You From Ransomware?

Group Health Insurance for Small Businesses in West Virginia: Why It’s a Good Business Strategy

Group Health Insurance for Small Businesses in West Virginia: Why It’s a Good Business Strategy Benefits packages can be a headache for small business owners in West Virginia. The general rule of thumb is that the more employees you have, the cheaper coverage becomes. But you don’t have 500 employees. You have five. So is there any hope of finding…

Continue ReadingGroup Health Insurance for Small Businesses in West Virginia: Why It’s a Good Business Strategy

Personal Health Insurance in Bridgeport

Personal Health Insurance in Bridgeport Over the years, the gig economy has risen in popularity. Many Americans enjoy the freedom of being in charge of their own schedules while still being able to pay the bills. Unfortunately, the gig economy fails to provide benefits; namely health insurance.  Without personal health insurance, Bridgeport workers are vulnerable to possible accidents or unexpected…

Continue ReadingPersonal Health Insurance in Bridgeport

Restaurant Insurance in West Virginia: All You Need to Know to Get Started

Restaurant Insurance in West Virginia: All You Need to Know to Get Started Whether you are baking one of the state’s most famous pepperonis rolls, getting creative with toppings on your hot dogs in Lesage, or perfecting the biscuit of your breakfast dreams, your restaurant is probably your pride and joy. Shouldn’t you protect your business the same way you…

Continue ReadingRestaurant Insurance in West Virginia: All You Need to Know to Get Started

Why is general liability insurance important to your business?

Why is general liability insurance important to your business? For many business owners, general liability insurance is the first insurance policy they secure. General liability insurance provides coverage against claims in which someone is injured or their property is damaged as a result of the work or product your business performs.  Construction, retail, and wholesale-type businesses in West Virginia are…

Continue ReadingWhy is general liability insurance important to your business?

Motorcycle Insurance in Bridgeport, West Virginia

Bridgeport, West Virginia is a popular destination for motorcycle rides. The Appalachian Mountains and thriving forests make for stunning views, and bikers enjoy the area’s long, winding roads. If you live in Bridgeport or plan to visit on a motorcycle trip, be prepared for steep grades. Tune up your brakes and transmission before starting your journey. Motorcycle owners in Bridgeport…

Continue ReadingMotorcycle Insurance in Bridgeport, West Virginia

Basics of Extended Homeowners Replacement Coverage

When purchasing coverage for their home, too many policyholders often make the mistake of simply insuring it for the resale value. However, should a flood, storm or other event occur, they may find that the cost to rebuild far exceeds the original purchase price. This discrepancy can occur for a variety of reasons, including inflated construction costs following catastrophic events…

Continue ReadingBasics of Extended Homeowners Replacement Coverage

Uninsured and Underinsured Motorists

Unfortunately, many people wrongly assume that auto and umbrella insurance policies will provide reimbursement for all aspects of an accident on the road. Instead, both of these policies cover your own liability and provide compensation to others in the event that you are responsible for an accident. However, if another driver causes an accident and doesn't have enough insurance coverage…

Continue ReadingUninsured and Underinsured Motorists

The Independent Agent Advantage

What do I give up by not using a licensed independent agent to purchase insurance? The disadvantage of not using a licensed agent to purchase insurance is that the policyholder does not receive as much, or often any, personal service. A licensed agent with whom there is direct contact can be vital when purchasing a product and absolutely necessary when…

Continue ReadingThe Independent Agent Advantage

Lightning and Summer Storms

Lightning storms are incredibly dangerous and more deadly than tornadoes, floods and hurricanes. When a storm is on the verge of striking your area, you need to know the steps to take in order to protect your family and home. Use these tips to stay safe during a lightning storm: Seek shelter in an enclosed building, if possible. If you…

Continue ReadingLightning and Summer Storms

Quick Tips for Safe RV Usage

Recreational vehicles (RVs) can be a fun way to see the country and spend time with your family. However, because they’re bigger and heavier than an average car, there are additional hazards that come with owning and operating an RV. Many RV accidents can be avoided by following these helpful tips: Know the weight capacity of your RV. Perform a…

Continue ReadingQuick Tips for Safe RV Usage

Remember Risk! Planning for Financial Stability

Obtaining the peace of mind financial stability brings starts with reviewing your current financial resources. This is important because your financial resources affect not only your ability to reach your goals, but your ability to protect those goals from potential financial crises. These are the resources you will draw on to meet various life events. Start by calculating your net…

Continue ReadingRemember Risk! Planning for Financial Stability

Insuring Your College Student

When your child leaves for college, it is a big event. One thing that you should think about is your insurance coverage and how it could change with your son or daughter away at school. Protecting Your Student's Belongings Many homeowners policies consider a dorm room as an extension of your home, so items your child keeps there may be…

Continue ReadingInsuring Your College Student

Summer Water Safety Refresher

Summer Water Safety Refresher Teach children water safety and swimming skills as early as possible. Always brief babysitters on water safety, emphasizing the need for constant supervision. Appoint a “designated watcher” to monitor children during social gatherings at or near pools. Equip doors and windows that exit to a pool area with alarms. Install a poolside phone, preferably a cordless…

Continue ReadingSummer Water Safety Refresher

Facts About Flash Floods

Flash floods occur as a result of heavy rainfall, rapid snow thaw, city drains overflowing or dam/levee failures. They occur quickly and unexpectedly, within 6 hours of the events that caused them. Here are more facts to give you an idea of how dangerous flash floods can be: Every region in the United States can be affected by flash floods,…

Continue ReadingFacts About Flash Floods

Don’t Be Fooled: Auto Insurance State Minimums Probably Aren’t Enough

There are a wide variety of silly and somewhat funny things we can do from time to time, like telling people that dihydrogen monoxide is coming out of the sink (dihydrogen monoxide is the chemical name for water), but one thing you should avoid falling for as a consumer is being told that carrying only the state mandated minimum coverage…

Continue ReadingDon’t Be Fooled: Auto Insurance State Minimums Probably Aren’t Enough