Entries by Tosten1980

Do I Need a Personal Umbrella Insurance Policy?

While a personal umbrella insurance policy may seem unnecessary, there are good reasons to have one.  A personal umbrella policy pays for losses after you have exhausted your primary insurance coverage.  It can cover your home, auto, motorcycle, boat, RV and more. Your independent insurance agent will be able to advise you on whether you need it […]

Get Commercial Auto Insurance that Does More for Your Money

Whether you’re just getting started with your business and have only one delivery van or you have a fleet of vehicles, you need the right commercial auto insurance that meets your specific needs. There are many things to consider when purchasing business auto insurance, not only the number of vehicles you use for your company, but what […]

Holiday Scenarios That Can Affect Your Insurance

It’s the holiday season, and you have a lot on your mind. Trimming the tree, buying and wrapping the gifts, baking the goodies. Be sure your insurance is up to date so you have one less thing to be concerned about! Stolen holiday packages During the holiday season, package delivery is a common phenomenon. If […]

Why Choose an Independent Insurance Agent?

There’s no way for us to know what challenges may be ahead, which makes being prepared all the more important. Insurance is one of those critical things we all need, but making the decision about which insurance company to do business with can be confusing.  While some people don’t really think too much about who […]


What Insurance Coverage Do I Need for My Brewery?

What Insurance Coverage Do I Need for My Brewery? The brewery business has grown extensively across the U.S. in the last 10 years. If you’re a brewer, you probably know this, but if you’re just getting started or want to find out some details before you move forward, this should help. How you protect your brewery […]


Recent Data Shows Seniors Better Drivers Than Teens

There’s no way around it. Americans love their cars and love to drive. In fact, more than 75 percent of adults have a driver’s license. This includes 40 million who are 65 and older, and senior drivers are reluctant to stop driving. Decades of statistics show crash rates are highest for ages 16 to 19, […]


Why do I need renter’s insurance?

Even if an apartment complex doesn’t require renter’s insurance, it’s a low-cost way of protecting your possessions. Your landlord may have insurance to cover the building – but it won’t cover the cost of damages to your TV, computer, furniture, or other valuable possessions. While possession damage is uncommon, it’s best to protect yourself. What […]