Halloween is one of the most exciting nights of the year—costumes, candy, decorations, and community fun. But with all the excitement comes increased risks for accidents, property damage, and even insurance claims. Whether you’re handing out candy to trick-or-treaters, decorating your home, or...

Halloween can be a fun and festive time of year, but for business owners, it can also bring unique risks. From vandalism to liability claims, October 31st is one of those nights where a little preparation goes a long way. The combination of increased foot traffic, late-night celebrations, and...

As fall settles in and winter approaches, driving conditions change dramatically. Wet leaves, foggy mornings, deer crossings, and eventually snow and ice create challenges for drivers. For businesses that rely on a fleet of vehicles, these seasonal hazards don’t just affect safety—they can also...

As the leaves start to change, fall is the perfect time to prepare your home for the colder months ahead. Taking care of small maintenance tasks now can help prevent bigger (and more expensive) problems later — and can even reduce the likelihood of filing an insurance claim. ✅ Fall Home...

As temperatures drop, energy bills often rise. But with a few smart strategies, you can keep your home comfortable, cut costs, and even reduce risks that could lead to insurance claims. Tips to Save on Energy Bills This Fall Seal Drafts Around Doors and WindowsPreventing heat loss makes...

September marks the peak of hurricane season and often brings heavy rains and unpredictable weather. Even if you don’t live near a coast, flooding can happen anywhere — and most homeowners’ insurance policies do not cover flood damage. Why Flood Insurance Matters Standard policies exclude...

Fall often brings unpredictable weather — from heavy rains and windstorms to the occasional early snow. Severe weather can disrupt operations, damage property, and create safety hazards for employees and customers. Preparing ahead of time not only protects your business but also helps minimize...

Summer is a busy season for contractors—but it’s also when jobsite risks and equipment theft spike.With longer days, more open sites, and higher demand, contractors face unique challenges during the summer. Many don’t realize that these exposures could lead to costly losses or insurance...

Summer is peak season for travel—and for hackers.From boutique hotels to tour operators and rental platforms, tourism businesses experience a surge in bookings, digital transactions, and customer data during the summer. Unfortunately, that also makes them prime targets for cybercrime. ...

Buying insurance can feel overwhelming. With so many options, providers, and policy details to consider, it’s easy to make mistakes that can cost you money or leave you under-protected when you need coverage the most. To help you avoid common pitfalls, here are the top mistakes people...