The Importance of Communication with Your Insurance Agent

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The Importance of Communication with Your Insurance Agent: Why It Matters

When you purchase insurance, it’s easy to think that once the paperwork is done, you can forget about it. But regular communication with your insurance agent is crucial for ensuring that your policy continues to serve you well. Here are five key reasons why keeping in touch with your agent is essential.

1. Your Life Changes – So Should Your Policy

Life is always evolving—new car, new home, new family member—and your insurance needs evolve too. By communicating with your agent when these changes happen, you ensure that your policy adapts to your current life. Whether you need additional coverage or a policy adjustment, your agent can help you stay protected.

2. Avoid Gaps in Coverage

Insurance can be complex, and it’s easy to overlook details that might leave gaps in your coverage. Regular check-ins with your agent help you stay on top of things like updating the value of your home, adding new assets, or ensuring you have the proper riders. This way, you won’t risk being underinsured or paying for unnecessary coverage.

3. Policy Optimization

Insurance isn’t a one-size-fits-all product. A policy that worked well for you in the past may not be the best fit as your needs change. Staying in touch with your agent allows them to review your coverage periodically and suggest adjustments, ensuring that you’re not overpaying or lacking protection in key areas. They can also alert you to potential discounts you might qualify for.

4. Navigating Claims Smoothly

If you ever need to file a claim, your agent is your advocate. Communicating with them early in the process helps ensure that you understand what’s needed, what to expect, and how to move forward. The smoother your communication, the quicker and easier the claims process will be when you need it most.

5. Expert Advice and Peace of Mind

Your insurance agent is there to provide you with expert guidance, whether it’s understanding complex terms, exploring additional coverage options, or keeping you informed about changes in the industry. Consistent communication fosters a trusting relationship, giving you peace of mind that you have the right coverage in place and know who to turn to if you ever need help.

Final Thoughts

Maintaining open communication with your insurance agent is essential for ensuring that your policy evolves with your life. By staying proactive and engaged, you ensure that you’re properly covered, potentially save money, and receive expert advice when needed. In the long run, a little effort in communication can go a long way in protecting you and your loved ones.

You can experience the benefits of being a part of a full-service Independent Insurance Agency today! Simply contact Briggs Agency, Inc. if you are interested in an insurance review at 219-769-4840 or visit our website at www.BriggsAgency.com. We look forward to hearing from you!

Blog post written by: Ryland Hochstetler

Unique Insurance Coverage Nonprofits Need

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Nonprofits have unique insurance needs to protect their operations, employees, volunteers, and assets. Here’s a quick overview of key coverage options:

  1. General Liability Insurance: Protects against accidents, injuries, or damage at events or on nonprofit premises.
  2. Professional Liability Insurance: Covers mistakes or negligence in services provided, like advice or counseling.
  3. Directors & Officers (D&O) Insurance: Protects nonprofit leaders from personal liability for decisions made on behalf of the organization.
  4. Workers’ Compensation: Covers employee injuries or illnesses while working.
  5. Volunteer Insurance: Covers injuries to volunteers while they’re working for the nonprofit.
  6. Property Insurance: Protects buildings, equipment, and supplies from damage or theft.
  7. Commercial Auto Insurance: Covers vehicles used for nonprofit work, such as transporting supplies or people.
  8. Event Insurance: Protects against risks associated with events, such as cancellations or accidents.
  9. Cyber Liability Insurance: Covers data breaches or cyberattacks affecting sensitive information.
  10. Crime Insurance: Protects against theft or fraud by employees or volunteers.
  11. Business Interruption Insurance: Helps with lost income if the nonprofit must temporarily shut down due to an emergency.

Nonprofits should work with an insurance agent to ensure they have the right coverage for their specific needs.

Special Considerations for Nonprofits:

  • Grant Requirements: Some grants or funding sources may require nonprofits to have specific types of insurance before funding is approved. It’s essential to check with funders to make sure you’re covered.
  • State Laws: Requirements for insurance can vary significantly by state. Be sure to check local laws to ensure compliance.
  • Mission-Specific Coverage: Depending on the nature of your nonprofit (e.g., a nonprofit offering healthcare services, or a child welfare organization), additional specialized coverage may be necessary to meet specific risks associated with your work.

Conclusion:

Nonprofit organizations need a tailored approach to insurance, addressing the unique risks they face. Having the right coverage not only protects the nonprofit but also ensures it can continue to serve its community and carry out its mission with peace of mind. It’s recommended to work with an insurance broker or agent who understands nonprofit operations to ensure all bases are covered.

 

You can experience the benefits of being a part of a full-service Independent Insurance Agency today! Simply contact Briggs Agency, Inc. if you are interested in an insurance review at 219-769-4840 or visit our website at www.BriggsAgency.com. We look forward to hearing from you!

Blog post written by: Sarah Hlebasko

Mobile Business Insurance

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Insurance for mobile businesses, like food trucks, is essential for protecting both the business and the people involved. Since mobile businesses are always on the move, they face unique risks compared to businesses operating from a fixed location. Here’s a breakdown of the key coverage options you should consider:

1. General Liability Insurance

  • What it covers: This is the basic coverage every business should have. It protects against third-party bodily injury, property damage, and personal injury claims. For food trucks, this might cover accidents that happen on the premises or as a result of your food, like a customer slipping or getting sick from your product.
  • Why it matters: If someone gets injured near your truck or because of your product, this insurance helps cover legal fees, medical costs, and potential settlements.

2. Commercial Auto Insurance

  • What it covers: This covers your food truck while it’s on the road. It includes protection in case of accidents, theft, vandalism, or weather-related damage. This is different from regular personal auto insurance because it’s specifically designed for business vehicles.
  • Why it matters: Your food truck is not just a vehicle; it’s also a vital part of your business. If it gets damaged or is in an accident, you’ll need coverage to repair or replace it and protect your business from income loss due to downtime.

3. Business Property Insurance

  • What it covers: This covers your equipment, tools, and supplies inside the truck, such as stoves, refrigerators, cash registers, or inventory. This is essential if your truck gets damaged or stolen.
  • Why it matters: If a piece of equipment breaks or something is stolen from your truck, business property insurance helps cover the cost of repairs or replacements.

4. Workers’ Compensation Insurance

  • What it covers: This covers medical costs and lost wages for your employees if they get injured while working. It’s often required by law if you have employees.
  • Why it matters: It provides a safety net for both you and your employees if there’s an accident on the job, ensuring that employees aren’t left to pay out-of-pocket for injuries.

5. Product Liability Insurance

  • What it covers: This protects you if a customer claims they got sick or injured after consuming your food or beverage. It covers legal fees, medical bills, and settlements.
  • Why it matters: This is particularly important for food businesses since your products have a direct impact on people’s health and safety. If someone files a claim, you’ll be covered for potential expenses.

6. Business Interruption Insurance

  • What it covers: This covers loss of income if your business is interrupted due to an unexpected event like a fire, a natural disaster, or an accident that takes your truck out of service.
  • Why it matters: As a mobile business, any interruption—whether from an accident, weather, or something else—can affect your ability to operate. This insurance helps replace lost revenue until you can resume normal operations.

7. Food Spoilage Insurance

  • What it covers: This coverage protects against the loss of food inventory due to equipment failure, like a refrigerator breaking down.
  • Why it matters: If your refrigeration fails and you lose a significant amount of food stock, this coverage helps replace the spoiled goods, minimizing financial losses.

8. Umbrella Insurance

  • What it covers: Umbrella insurance offers additional liability protection that goes beyond your standard limits. For example, if you exceed your liability insurance limits in a lawsuit, the umbrella insurance would kick in to help cover the additional costs.
  • Why it matters: It’s an extra layer of protection in case something goes wrong, and costs exceed your primary coverage limits.

9. Cyber Liability Insurance (optional)

  • What it covers: If you process payments online or store customer data, cyber liability insurance protects against breaches, hacking, and theft of sensitive information.
  • Why it matters: While not essential for all mobile businesses, if you accept credit cards or manage any digital payment systems, this can help cover costs related to a cyberattack.

Things to Consider:

  • State and Local Regulations: Different states and local municipalities have varying insurance requirements for mobile businesses. You’ll need to make sure you’re compliant with any specific laws or ordinances in the areas you operate.
  • Seasonality: If your food truck operates seasonally, you may be able to adjust your coverage to reflect the time of year, potentially saving on premiums when you’re not actively operating.
  • Multiple Locations: If you travel between multiple locations, you may want insurance that covers the various risks of different places.

In summary, for mobile businesses like food trucks, having the right insurance package is critical to ensure financial protection and peace of mind. It’s a good idea to speak with an insurance professional who can tailor coverage based on your specific business needs and location.

You can experience the benefits of being a part of a full-service Independent Insurance Agency today! Simply contact Briggs Agency, Inc. if you are interested in an insurance review at 219-769-4840 or visit our website at www.BriggsAgency.com. We look forward to hearing from you!

Blog post written by: Sarah Hlebasko

How to Prepare for an Insurance Agent Meeting

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Meeting with an insurance agent can feel a little overwhelming, especially if you’re unsure about what types of coverage you need or what questions to ask. Whether you’re looking to purchase a new policy, renew an existing one, or simply evaluate your options, being well-prepared can help you make informed decisions and ensure you’re getting the best deal for your needs.

Here’s a comprehensive guide to help you prepare for your upcoming meeting with an insurance agent:

1. Understand Your Needs

Before you even schedule a meeting, take a moment to assess what kind of coverage you’re seeking. Different insurance products serve different purposes, and knowing which one aligns with your life goals and circumstances will set the stage for a more productive conversation. Some common types of insurance include:

  • Auto Insurance: Do you have a car, motorcycle, or RV that requires coverage?
  • Homeowners or Renters Insurance: Are you protecting your home or belongings against damage or theft?
  • Life Insurance: Are you considering a policy to provide financial security for your loved ones?
  • Disability Insurance: Are you interested in a policy that provides income protection if you become disabled?

Tip: Make a list of your most important insurance needs so you can focus on relevant options during the meeting.

2. Gather Personal Information

Insurance agents typically ask for details about your personal and financial situation to recommend appropriate coverage. Having this information on hand will streamline the process. Be prepared to share:

  • Personal Information: Full name, date of birth, address, and Social Security number (if required for certain types of coverage).
  • Asset Information: For auto insurance, the make and model of your car, or for home insurance, details about your property (e.g., square footage, age, and condition).
  • Income and Employment Details: This is especially relevant for life or disability insurance, where income replacement might be a consideration.

3. Do Your Research

While your agent is there to provide expert advice, it’s still important to come with a general understanding of your options. Research different types of policies, coverage limits, and premiums so you can engage in a meaningful conversation.

What is Research? - Purpose of Research

  • Premiums: Understand the cost ranges for different types of coverage. Insurance agents can explain how premiums are calculated, but having a ballpark figure in mind helps you evaluate your budget.
  • Policy Features: Familiarize yourself with common policy features like deductibles, exclusions, and claim processes so you can ask insightful questions.
  • Comparing Providers: Check out reviews of the insurer you’re meeting with or explore competitors to get a sense of the market. Being knowledgeable about the insurer’s reputation can help you assess if it’s the right fit for you.

Tip: Many insurance providers offer online calculators to help you estimate premiums. This is a great tool for comparing costs before your meeting.

4. Prepare a List of Questions

To ensure you’re getting the coverage you need, come with a list of specific questions to ask your insurance agent. Some important ones might include:

  • What types of coverage do I really need?
  • What’s the difference between these two policies?
  • How much coverage do I need for my assets?
  • Are there any discounts available?
  • What are the policy’s exclusions?
  • How does the claims process work?
  • How often can I update my policy?

Don’t be afraid to ask for clarification on any points you don’t understand — insurance jargon can be complicated, and your agent is there to help!

5. Review Your Current Policies (If Applicable)

Understanding Your Home Insurance Coverage - Haughn & Associates

If you’re renewing a policy or making changes to an existing one, it’s crucial to review your current coverage beforehand. Take a look at your current premiums, deductibles, coverage limits, and any endorsements or riders you’ve added. This will help you identify areas where your policy may need to be adjusted to better suit your current needs.

If you’re looking to switch insurers, it’s helpful to bring in your current policy documents to discuss what’s working for you and what isn’t.

6. Set a Budget

Insurance is an investment, and it’s essential to determine what you can afford. Set a budget for the coverage you’re seeking and be upfront with the agent about your financial constraints. There are usually a variety of policy options available, ranging from basic to comprehensive coverage, so understanding your budget can help guide the conversation.

7. Be Ready to Discuss Your Risk Tolerance

Insurance is all about balancing risk and coverage. Your agent may ask you about your comfort level with taking on risk, such as choosing a higher deductible to lower your premium. Think about how much risk you’re willing to accept and where you’d like to play it safe.

Tip: It’s helpful to remember that lower premiums often come with higher deductibles or less coverage, so finding the right balance for your needs is key.

Conclusion

Preparing for an insurance agent meeting may seem like a daunting task, but with a little planning, you can ensure that the meeting goes smoothly, and you get the best possible coverage for your needs. By understanding your needs, gathering the right information, doing your research, and asking the right questions, you can confidently navigate the process and walk away with a policy that protects you and your assets.

Remember, your agent is there to help you, and it’s their job to explain the ins and outs of the insurance world in a way that makes sense to you. So don’t hesitate to take notes, ask for clarification, and take your time making important decisions!

 

You can experience the benefits of being a part of a full-service Independent Insurance Agency today! Simply contact Briggs Agency, Inc. if you are interested in an insurance review at 219-769-4840 or visit our website at www.BriggsAgency.com. We look forward to hearing from you!

Insurance for Rare or Collectible Items: Protecting Your Valuables

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Owning rare or valuable items like fine art, antiques, luxury watches, or vintage cars is exciting, but protecting these treasures is essential. Standard homeowners or renters’ insurance often doesn’t provide enough coverage for high-value items. Specialized insurance for collectibles ensures your prized possessions are properly protected.

Why Standard Homeowners Insurance Isn’t Enough

Homeowners policies may offer personal property coverage, but they often come with limits that fall far short of your items’ true value. For example, these policies might only cover $1,000–$2,000 for things like jewelry, artwork, or antiques—which can leave you vulnerable if they’re lost, damaged, or stolen.

What Is Specialized Insurance for Collectibles?

Specialized insurance, or valuable articles insurance, is tailored for high-value items. It covers loss, theft, and damage, and often extends to items stored outside your home, like in storage units or museums.

Types of Collectibles and Their Insurance Needs

Different items need different coverage:

  • Fine Art: Protects against theft, damage, or breakage, often with appraisals to match market value.
  • Antiques: Covers the unique value of antique furniture, jewelry, and artifacts.
  • Luxury Watches: Protects against theft or damage to high-value timepieces.
  • Vintage Cars: Classic cars require specialized insurance that accounts for their rarity and condition.
  • Sports Memorabilia: Covers valuable signed items or limited editions against damage or theft.
  • Musical Instruments: Protects rare or vintage instruments from loss or damage.

Benefits of Specialized Insurance

  • Full Replacement Value: Ensures you receive the full market value, not just a depreciated amount.
  • Worldwide Coverage: Covers items no matter where they are—whether you’re traveling or storing them elsewhere.
  • Appraisal Services: Appraisers help ensure the correct value for your items is reflected in the policy.
  • Tailored Policies: Customize your coverage to suit the needs of your collection.
  • Peace of Mind: Knowing that your items are protected offers reassurance.

How to Insure Your Collectibles

  1. Get an Appraisal: Have a certified appraiser assess your items’ value to ensure accurate coverage.
  2. Choose a Specialized Provider: Look for insurers who specialize in valuable items.
  3. Understand Your Policy: Ensure you know what’s covered and what’s not.
  4. Update Regularly: Review your policy and appraisals regularly to keep your coverage up to date.

Conclusion

If you own rare or valuable collectibles, specialized insurance is a must. Standard homeowners’ policies often don’t provide enough protection. By investing in tailored insurance, you can rest easy knowing your treasures are covered against theft, damage, or loss.

You can experience the benefits of being a part of a full-service Independent Insurance Agency today! Simply contact Briggs Agency, Inc. if you are interested in an insurance review at 219-769-4840 or visit our website at www.BriggsAgency.com. We look forward to hearing from you!

Blog post written by: Ryland Hochstetler

How to Spot and Avoid Insurance Fraud When Filing Claims

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Insurance fraud is a serious issue that leads to higher premiums and financial losses for both individuals and insurers. It occurs when false information is provided to gain an unfair payout. Knowing how to spot and avoid fraud can protect you from being involved in fraudulent activities—either intentionally or unintentionally.

What Is Insurance Fraud?

Insurance fraud can involve exaggerating damages, staging accidents, or providing false information about the cause of a loss. There are two types of fraud:

  • Hard Fraud: Deliberately staging an incident to file a false claim (e.g., causing an accident).
  • Soft Fraud: Lying or exaggerating details in a claim (e.g., inflating the value of stolen items).

Both types can be tricky to detect, but knowing the warning signs can help.

Red Flags to Watch For

When filing a claim, keep an eye out for these signs of potential fraud:

  1. Inconsistent or Unclear Details
    If the details of the incident change or seem inconsistent, it may indicate fraud.
  2. Pressure to Settle Quickly
    Fraudulent claimants may try to rush the settlement process or pressure you to accept a low payout.
  3. Suspiciously High or Unverifiable Claims
    Over-inflating damages or claiming items that can’t be verified with receipts or proof of ownership should raise a red flag.
  4. Unusual Behavior
    Fraudsters may refuse to cooperate with investigations or act suspiciously when asked for clarification.
  5. Frequent Claims
    Multiple claims in a short period, especially for similar types of damage, could indicate fraud.
  6. Unusual Medical Claims
    In health insurance, look for claims involving unnecessary procedures, medications, or discrepancies in medical records.

How to Avoid Insurance Fraud

To avoid being involved in fraud, follow these tips:

  1. Be Honest
    Always provide accurate information when filing a claim. Exaggeration or lying can have serious legal consequences.
  2. Document Everything
    Take photos of damage, keep receipts, and maintain detailed records of the incident. Good documentation protects you and helps prevent fraud.
  3. Report Suspicious Activity
    If you suspect fraud, report it to your insurance company. Many insurers have fraud hotlines for anonymous tips.
  4. Work with Professionals
    Insurance adjusters and legal professionals can help you navigate the claims process and ensure everything is legitimate.
  5. Stay Informed
    Be aware of common scams in your area or industry and be cautious when someone offers a deal that seems too good to be true.

What Happens If You’re Caught in Insurance Fraud?

The consequences of insurance fraud can include:

  • Fines and legal fees.
  • Jail time for more severe fraud.
  • Policy cancellation and difficulty obtaining future coverage.

Even if you’re unknowingly involved in fraud, failing to report it can have serious consequences.

Conclusion

Insurance fraud hurts everyone, raising premiums and complicating claims. By recognizing the warning signs and following best practices, you can ensure your claims are legitimate and avoid becoming involved in fraudulent activity. Stay honest, stay vigilant, and always document everything to protect yourself and the integrity of the insurance system.

You can experience the benefits of being a part of a full-service Independent Insurance Agency today! Simply contact Briggs Agency, Inc. if you are interested in an insurance review at 219-769-4840 or visit our website at www.BriggsAgency.com. We look forward to hearing from you!

Blog post written by: Ryland Hochstetler

Does Homeowners Insurance Cover Snow and Ice Damage?

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Winter weather can bring a range of challenges, from snowstorms to freezing temperatures, and with it comes the risk of property damage. If your home is affected by snow or ice, you may wonder if your homeowners insurance will cover the costs of repairs. In this post, we’ll discuss the types of damage caused by snow and ice, how insurance coverage works, and steps you can take to protect your home.

Types of Snow and Ice Damage

  1. Ice Dams
    Ice dams occur when melting snow refreezes at the roof’s edge, trapping water underneath. This can cause leaks and water damage inside your home.
  2. Frozen Pipes
    When temperatures drop, pipes that aren’t properly insulated can freeze and burst, leading to water damage throughout your home.
  3. Roof Collapse
    Heavy snow accumulation, especially when wet and heavy, can cause roofs to collapse, damaging the structure and anything underneath.
  4. Fallen Trees and Branches
    Snow and ice can weigh down tree branches, causing them to break and fall on your home or car, potentially causing significant damage.

Will Homeowners Insurance Cover Snow and Ice Damage?

Generally, most standard homeowner’s insurance policies cover damage caused by snow and ice under the following conditions:

  • Ice Dams: If water from an ice dam leaks into your home, this is typically covered, unless the damage results from neglect or a lack of maintenance.
  • Frozen Pipes: Water damage caused by burst pipes is usually covered, provided you’ve taken reasonable precautions to prevent freezing, like keeping your home heated.
  • Roof Collapse: Roof damage due to heavy snow is typically covered, as long as the collapse wasn’t caused by neglect (like failing to remove snow or maintain the roof).
  • Fallen Trees: If a tree falls on your house due to snow or ice, the resulting damage is generally covered. Similarly, damage to vehicles might be covered by your auto insurance, depending on your coverage.

What’s Not Covered?

  • Neglect: Insurance may not cover damage caused by lack of maintenance. For instance, failing to insulate pipes or clean gutters might lead to denied claims.
  • Flooding: While your homeowner’s insurance might cover water damage from burst pipes, it doesn’t typically cover flooding caused by snowmelt. You’ll need separate flood insurance for that.

Steps to Take

Before Winter:

  • Inspect and maintain your roof to prevent heavy snow accumulation. Add insulation to your attic to help prevent ice dams.
  • Wrap exposed pipes with insulation or heat tape, particularly in unheated areas like basements, attics, and garages.
  • Trim trees that could be weighed down by snow and ice, reducing the risk of falling branches.

During Winter:

  • Keep your home heated to avoid frozen pipes, even when you’re away.
  • Remove snow from your roof, when possible, to prevent dangerous buildup. If it’s unsafe to do so, hire a professional.

After Winter:

  • Inspect your home for any signs of damage from snow, ice, or fallen trees. Document the damage with photos or videos.
  • Contact your insurance company immediately if you notice significant damage that may require a claim.

Conclusion

Homeowners insurance typically covers snow and ice damage, including issues like roof collapse, frozen pipes, and fallen trees. However, coverage may depend on the specifics of your policy and whether the damage was preventable. By taking preventive steps to winterize your home and staying informed about your coverage, you can help protect your property during the colder months. If you have questions or concerns about your policy, contact your insurance provider to ensure you’re properly covered for winter risks.

You can experience the benefits of being a part of a full-service Independent Insurance Agency today! Simply contact Briggs Agency, Inc. if you are interested in an insurance review at 219-769-4840 or visit our website at www.BriggsAgency.com. We look forward to hearing from you!

Blog post written by: Ryland Hochstetler

How To Protect Your Home From Freezing

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Protecting your home from freezing during cold weather is crucial to prevent damage to plumbing, appliances, and structural elements. Here are some effective ways to safeguard your home:

1. Insulate Pipes 

  • Pipe Insulation: Use foam or fiberglass insulation to wrap exposed pipes, especially those in unheated areas like basements, attics, garages, and crawl spaces.
  • Heat Tape: For particularly vulnerable pipes, consider using electric heat tape that can be wrapped around them to keep them warm.

2. Seal Drafts and Gaps

  • Windows & Doors: Check for gaps around windows and doors, and use weatherstripping or caulk to seal them. If drafts persist, consider using plastic film or thermal curtains.
  • Attic and Basement: Seal any gaps in the attic, basement, or crawl spaces where cold air could enter and cause freezing.

3. Keep the Heat On

  • Even if you’re away, set your thermostat to a minimum of 55°F (13°C). If you plan to be gone for an extended period, ask a neighbor or friend to check on your home periodically.
  • If you use a space heater, make sure it’s safely positioned, and be cautious of flammable materials.

4. Drain Outdoor Faucets and Hoses

  • Disconnect hoses from outdoor faucets and drain them to prevent water from freezing inside the hose or faucet.
  • Use insulated covers for outdoor faucets to protect them from freezing temperatures.

5. Add Extra Insulation to Your Home

  • Attic Insulation: Ensure your attic is properly insulated to prevent heat from escaping and causing condensation or freezing in the roof space.
  • Basement Insulation: If you have an uninsulated basement, adding insulation can help regulate temperatures and prevent freezing.

6. Install a Freeze Alarm

  • Consider installing a freeze alarm that will notify you when the temperature inside your home drops too low, giving you a chance to take action before pipes freeze.

7. Drip Faucets

  • During particularly cold spells, leave a faucet running slightly to prevent water from freezing inside pipes. A slow trickle of water can help keep the pressure from building up in the system, which can cause pipes to burst.

8. Maintain a Steady Temperature

  • Keep your home at a consistent, safe temperature, especially at night when it’s typically colder.

9. Check Your Roof

  • Ensure there are no blockages in gutters and downspouts to allow proper drainage. If snow accumulates, it could lead to ice dams that may cause damage to the roof and interior.

10. Prepare for Power Outages

  • Stock up on essentials like bottled water, flashlights, batteries, and blankets in case a winter storm causes a power outage.

By following these steps, you can significantly reduce the risk of freezing and damage to your home during cold weather.

In conclusion

Protecting your home from freezing is essential to prevent costly damage to your plumbing, appliances, and structure. By taking proactive measures such as insulating pipes, sealing drafts, maintaining a consistent temperature, and ensuring proper drainage, you can safeguard your home against the harsh effects of winter weather. Preparing in advance and staying vigilant during cold spells will help you avoid the inconvenience and expense of frozen or burst pipes, as well as other potential winter hazards.

You can experience the benefits of being a part of a full-service Independent Insurance Agency today! Simply contact Briggs Agency, Inc. if you are interested in an insurance review at 219-769-4840 or visit our website at www.BriggsAgency.com. We look forward to hearing from you!

Blog post written by: Sarah Hlebasko

The Importance of Boating Insurance: Protection and Benefits for Every Boater

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Why Should You Get Boating Insurance?

Even in this blistering cool weather many should think about boating insurance for the upcoming season. Boating insurance is essential for anyone who owns or operates a boat, whether for recreational or commercial purposes. Here are the key reasons to get boating insurance:

  1. Protection Against Liability:
    • If you’re involved in an accident that causes damage to another person or their property, you could be held liable for the costs. Boating insurance typically includes liability coverage, which protects you from having to pay out-of-pocket for legal fees or damages caused by accidents.
  2. Protection for Your Boat:
    • Just like car insurance, boating insurance protects your boat against damages. If your boat is damaged in a storm, accident, or by fire, insurance can help cover the repair or replacement costs.
  3. Legal Requirements:
    • In some places, having boating insurance is mandatory, particularly if you’re operating the boat in certain waters or if you have a loan on the boat. Check local regulations to see if you need insurance to comply with the law.
  4. Protection for Passengers:
    • If you’re involved in an accident and someone gets injured on your boat, liability coverage can help pay for their medical expenses. This is especially important if you’re hosting guests or family on your boat.
  5. Peace of Mind:
    • Having boating insurance ensures that you’re covered financially in case of an emergency. Whether you’re facing a legal claim, a lost or damaged boat, or an injury to yourself or passengers, insurance gives you peace of mind to enjoy your boating experience without worrying about the financial risks.

Benefits of Boating Insurance

  1. Coverage for Damage to Your Boat:
    • Physical Damage: If your boat is damaged in an accident, storm, or from other risks, boating insurance can cover the cost of repairs or replacement. This helps you avoid significant out-of-pocket expenses.
    • Theft: If your boat or equipment is stolen, insurance can help you recover the loss.
  2. Liability Coverage:
    • Bodily Injury Liability: If you’re found at fault for an accident that injures someone else, this type of coverage will pay for their medical expenses, rehabilitation costs, and even legal fees if they decide to sue you.
    • Property Damage Liability: If you damage another boat or property (like a dock, pier, or other vessels), this coverage helps cover the costs of repair or replacement.
  3. Medical Payments Coverage:
    • If you or your passengers are injured in a boating accident, medical payments coverage helps pay for the medical treatment, hospital bills, and ambulance services.
  4. Protection Against Uninsured/Underinsured Boaters:
    • If you’re involved in an accident with a boater who doesn’t have insurance or doesn’t have enough insurance to cover the damages, your boating insurance can cover the cost of repairs or medical expenses.
  5. Environmental and Pollution Coverage:
    • If your boat causes environmental damage (e.g., fuel spills, oil leaks), insurance may cover the costs of cleanup, which can be very expensive. This is especially important for larger boats or vessels in environmentally sensitive areas.
  6. Trailer Coverage:
    • If you need to transport your boat on a trailer, insurance can cover damage to the trailer itself or any damage caused by the trailer in transit.
  7. Emergency Assistance:
    • Many boating insurance policies include additional services like towing assistance or emergency response coverage. If your boat breaks down or you need to be rescued while on the water, your insurance might cover the cost of towing or assistance.
  8. Customization Options:
    • Many policies allow you to add optional coverage to meet your specific needs, such as coverage for fishing equipment, water sports gear, or even rental boats if you’re traveling and need a temporary boat.

Additional Considerations:

  • Comprehensive vs. Liability-Only Coverage: A comprehensive policy covers a wider range of damages, while liability-only coverage is more affordable but only protects you in cases where you cause damage or injury to others. Assess your needs and budget to decide what kind of coverage you need.
  • Geographical Coverage: Make sure your insurance covers the areas where you plan to boat. Some policies may only cover specific locations, so check if it applies to international waters or remote regions if you plan to travel.
  • Boat Size and Type: The size, type, and value of your boat can affect the cost of insurance. Larger or more expensive boats may require more coverage.

In Summary:

Boating insurance is essential for protecting yourself, your passengers, and your vessel while you’re out on the water. It helps cover potential financial losses from accidents, damages, theft, and liability claims. Whether you’re a frequent boater or just enjoy the occasional trip, the benefits of having comprehensive boating insurance far outweigh the risks of not being covered. It provides peace of mind, legal protection, and financial security, allowing you to focus on enjoying your time on the water.

You can experience the benefits of being a part of a full-service Independent Insurance Agency today! Simply contact Briggs Agency, Inc. if you are interested in an insurance review at 219-769-4840 or visit our website at www.BriggsAgency.com. We look forward to hearing from you!

Blog post written by: Sarah Hlebasko

Ways to Reduce Premiums for Contractors Insurance

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Briggs Insurance Agency works with construction companies all over Indiana and Illinois. Our goal is to help you find the best deal and obtain adequate insurance coverage for your business. Contractors are exposed to a variety of risks throughout the course of work. A quality insurance program is one of the best ways for your to manage risk in your business and ensure your continued success.

As your independent agency we will help you reduce your premium to keep more money in your pocket.

Here is a handful of tips to keep your premiums low:

  • Have multiple options
    • As an independent agency with 80 years in business we have multiple options that we can provide for you. You can leverage our relationships and deep knowledge of the construction insurance industry.
  • Safety Program
    • Insurance companies offer better pricing for safety conscious contractors. A good safety program will result in fewer claims,
  • Payroll classification and estimates
    • Most contractors’ premiums is determined by payroll amount. Often times a misclassification of payroll or over/under estimation of payroll can result in unexpected premium increases.
  • Discounts
    • Are you getting all of the discounts that your business qualifies for?

We would be happy to have the opportunity to work with your business in 2025. Contact us for an opportunity to see a competitive proposal.