Pig Iron, Underwater, For Fire
May 11, 2016Someone once said to me a certain insurance company would only insure “pig iron, underwater, for fire”. It might seem like an odd saying, but the gist is that the…
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Read moreUnderstanding Your Insurance as an Uber/Lyft Driver
January 8, 2016Ridesharing services are offering the general public a new convenient and economic method of transportation. Companies such as Uber and Lyft are also offering jobs for any individual who is…
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Read moreAvian Flu: Has the Risk Passed?
October 29, 2015A wide range of opinion exists among poultry producers as to the severity and/or continued presence of risk that Avian Influenza poses for their operations. Risk for Avian Flu Still…
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Read moreFacing Avian Flu: Cost Effective Option to Avoid Financial Hardship
September 24, 2015Avian Influenza (Flu) is that ominous threat that rears its ugly head in the production poultry industry, and it is never at a convenient time nor is it an occurrence…
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Read moreWhy is My Insurance Agent Trying to Sell Me a Blanket?
September 3, 2015I get it. You called your agent because you needed to buy a piece of paper and a promise (an insurance policy) and you probably weren’t too happy about that…
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Read moreInland Marine Insurance: A Valuable Coverage with a Weird Name
July 22, 2015How Businesses Today are Unknowingly Creating Coverage Gaps Recently, a new client expressed a misunderstanding about their prior insurance policies and the coverage they had been providing. The nature of…
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Read moreMy Wife Lost Her Diamond … What Do You Mean We Don’t Have Coverage?
July 2, 2015As an insurance agent for over 20 years, I have received the call from husbands and wives many times. Diamonds in jewelry, especially rings, can occasionally be lost. The gold…
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Read moreBought on the Cheap – Price Paid vs Insurable Value in Equine Mortality Insurance
April 22, 2015Justifying the insurable value of your new (perhaps underpriced) horse for Equine Mortality Insurance. “I paid $10,000, but she’s worth $15,000”, said nearly every horse owner ever, or at least…
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Read moreExpecting Too Much From Your Homeowner Insurance
December 31, 2014When your homeowner insurance policy doesn’t cut it for your home-farm Homeowner’s Insurance Policy The Homeowner’s Insurance Policy (HO) is considered as one of the most successful innovations in the…
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Read moreAgricultural Act of 2014 (2014 Farm Bill)
October 15, 2014Videos from the presentation about the farm bill are below! The new Farm Bill was signed into law earlier this year and now the individual farmer/producer/landowner sign up deadlines are…
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Read moreTaking Rate in Horse and Carriage Operations
October 2, 2014Coverage and Pricing in the Ever-Changing World of Carriage Operators Liability Insurance If you are a carriage operator that is taking rate, chances are you have multiple liability exposures that…
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Read moreBuilding a Better Homeowners Insurance Policy
June 6, 2014Your basic homeowners insurance policy, while the best dwelling coverage available, can be improved upon by adding some very valuable and affordable endorsements. Here are a few endorsements to consider…