Best Buddies

My 11 year old granddaughter, Sweet Annie, started the first elementary chapter of Best Buddies in the SCS system at Richland Elementary! Their first big event with the Richland Redhawks Best Buddies team is the Friendship Walk. It is April 30, 2017 at 2pm at Shelby Farms in Memphis, TN. Not everyone has to walk, […]

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Commercial Auto Basics

Do I need a commercial auto policy? Is it required? If you use your vehicle for business purposes, whether it’s driving yourself to client’s homes or transporting people or goods in your vehicle, you need commercial auto insurance. The primary difference between personal auto insurance and commercial auto insurance is the increased liability risks that […]

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Commercial Liability Insurance for Businesses

What Does Business Liability Insurance Cover? Business (or commercial) liability insurance can protect a range of exposures depending on the type of coverage you obtain. Business liability covers your business’ assets and pays for expenses that result from your product, property, employees, operation or even advertising. So what does business general liability insurance cover? It […]

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How to do a Home or Apartment Inventory for Your Insurance Policy

Imagining losing your home and your possessions is not a relaxing way to spend an afternoon. Unfortunately, for thousands of families across the United States each year, they don’t have to imagine it because they have lived through it. Ask any one of them and they will tell you that what makes the experience even […]

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New Year – Do you Need a New Homeowners Insurance Policy?

Most people go to the doctor for an annual physical and check the batteries in their smoke detectors at Daylight Saving time, but are you reviewing your existing insurance policies and coverage needs annually before renewing?  If not, you should be. There may be gaps in your coverage and you may not be as well-protected […]

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Finding the Right Insurance for Your Residential Properties

Whether you own an apartment building, a condominium complex or a homeowners association, or a combination of some or all types, property management of all stripes presents its own unique set of considerations. Finding the right insurance for these different forms of residential properties is imperative. The first type of must-have coverage is property insurance. […]

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Does Your Credit Score Affect Your Insurance Rates?

The practice of using your credit score as one of the ways to determine how much you pay for car insurance is controversial, yet it is also nearly unavoidable as you shop for car insurance. In fact, the majority of auto insurance companies—and even some homeowners insurance companies—use credit information as part of the underwriting […]

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Pros and Cons of Personalized Insurance Services

Independent insurance agents, unlike insurance agents employed by a large national insurance provider, have access to many insurance companies. Agents who work for a big insurer can only offer you insurance plans provided by their company. Independent insurance agents, however, work for you, and they have access to many different insurance companies. They can help […]

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Can Your Home Insurance Weather any Storm?

The last thing any homeowner wants to discover the morning after a terrible storm is broken windows, a ruined roof, or a destroyed deck. Dealing with the insurance company in filing a claim and seeking reimbursement is no picnic, either. The process of recovering quickly following a severe weather event can unfold much more smoothly […]

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Flood Insurance May Be More Important than You Think

Did you know that everyone lives in a flood zone? It’s just that every area has a different level of risk, low, moderate, or high. It’s common to think floods only happen on the coasts. However, millions of flood insurance claims have come from states with no coastal land. So, are you at risk? You […]

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