Do I Need Flood Insurance?

Do you need flood insurance? If you own property that could be damaged or destroyed by water, then you should seriously consider buying flood insurance. Is A Flood Loss, Likely?The chances of your business, home, or personal property being damaged by a flood depend...

Coverage for Utility Services

A commercial property insurance policy covers most direct losses to a business’s structures, equipment, and related property. However, what happens when weather conditions turn mean and cause indirect damage by knocking out utility services? The property could be...

Commercial Lines

The insurance industry is constantly undergoing changes that are likely to impact business owners.  At Brown and Associates Insurance, we monitor these changes so we can help our clients navigate them with confidence.  The most significant changes we see today revolve...

Disaster Recovery

No business wants to face an event that could seriously curtail or even shut down operations. Unfortunately, few businesses have plans to deal with such a disaster. It is not unusual for a business to overlook creating disaster plans. Further, companies that do have...

Understanding Joint Ventures

A joint venture is an entity formed by two or more businesses in order to pursue a specific purpose for a specified period of time. While some states require joint ventures to be legally filed, other states recognize any entity that meets the definition. A partnership...

Independent Insurance Agency

The Benefits of an Independent Insurance Agency: Independent vs. Captive Agents Our roots as an independent insurance agency go back almost 75 years.  We’re proud to carry the independent insurance agency label because of what it means to our clients.  As an...