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...

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...

For many of us, our home is the most significant asset we’ll acquire in our lifetime, and we rely on our homeowners insurance to protect its value.  A homeowners policy also provides coverage for your personal property including jewelry, silverware, firearms, and...

Why Do All Types of Contractors Need Contractor Pollution Liability? Environmental claims can happen to any contractor. Contractors often assume that claims arising from operations are covered by their general liability policy. Most commercial general liability...

Business transactions frequently require the valuable protection provided by insurance. A Certificate of Insurance is a document that is often requested as proof that adequate insurance exists. A certificate is not the same as a policy and certificates do not affect...

A major activity of commercial trucking is transporting cargo. There are two parties with a huge interest in the cargo: the property’s owner and the trucking company or independent trucker transporting that property. Usually, it is the trucker’s responsibility to...

A business that deals with over-the-road transportation is highly concerned with substantially minimizing accidents and avoiding cellular distractions. Vehicle accidents, besides interrupting work and creating a loss of business property, have much wider consequences....

Hello! We hope that you will find this blog helpful when navigating the complicated world of insurance. Even though we work in the industry, we understand how overwhelming the never-ending coverage options can be. This blog is our opportunity to connect with you, our...