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3 Simple Ways To Lower Your Auto Insurance Premium

3 Simple Ways To Lower Your Auto Insurance Premium

Even in the best of times, needless spending on insurance premiums just doesn’t make sense. If you need to save money or simply want to trim the budget, here are three simple things you can do to lower your auto insurance premium.

Drop Coverages

If you have an older vehicle, you may consider dropping collision or physical damage coverage entirely. According to the agents at Glendale Insurance Agency, many polices pay out actual cash value which factors in depreciation, meaning you may get very little back in the event of a total loss.

Raise Deductibles

In the event of a covered loss, the deductible is the amount you would pay out of pocket before the insurance company contributes its share. Some customers prefer to raise the deductible and take the risk of paying a little more for a loss that may never happen in exchange for significant premium savings now.

Report Usage

Vehicles are rated by the amount of miles driven on a weekly or yearly basis. If you’ve recently retired or have begun working from home, you may be eligible for a lower rate. The saving are especially significant if the change comes from a youthful driver who no longer commutes to work or school or now has his own insurance.

Auto insurance is vital to being responsible on the road, both for yourself and other drivers. However, it’s always a good idea to examine ways to lower your premium.


Labor Force Protection Through Workers’ Comp

Labor Force Protection Through Workers’ Comp

Both federal and state-level governments have taken steps to ensure that the United States’ labor force is protected from exploitation and hazardous working conditions. While there are rules governing working conditions, there have also been regulations to address workers’ benefits and wages.

The Importance of Workers’ Compensation

Under workers’ compensation legislature, eligible injured workers receive both medical care and partial repayment of lost income for injuries sustain on the job. This coverage is offered through a benefits plan, with the limitations of an application being influenced by the size and scope of the business. This coverage also protects employers from being sued by employees who were injured while working.

The Eligibility of Workers’ Compensation

There are many variables in determining eligibility for workers’ comp, though the primary factor for companies required to carry it is how many employees are on payroll. There are some smaller businesses and services that elect to carry and offer this coverage to their employees, and an FLDFS proof of coverage search would reveal which employers offer a policy.

State governments determine what coverage is required, and some states dictate where the plan must be purchased. Employers that don’t comply are exposed to heavy penalties from state authorities, as well as the financial burden of settling an accident or injury claim out of pocket. Either of these situations could be devastating for a company.


The Basic of Motorcycle Coverage

The Basic of Motorcycle Coverage

Spending money on insurance is one of the least pleasant experiences of vehicle ownership, but it is something you can’t afford to go without. For those who like to cruise around town or on long country drives on a Harley or Indian, motorcycle insurance is a must-have. Here are some basics concerning this coverage.

It’s a Preventative

For any insurance coverage, it is better to have it and not need it, than to need it and not have it. Beyond the wisdom of protecting your financial interest, most states require a minimum amount of liability coverage for any motorcycle being registered. You avoid paying a fine, having your motorcycle impounded, and paying thousands to resolve an accident when you carry insurance.

It’s a Support

For those who carry minimum liability, it is only enough insurance to handle the aftermath of what happens to the other driver when you cause an accident. Though creates a cheaper premium, it doesn’t mean your own injuries or bike damage will be covered. With the right plan, you have the financial support needed to address bodily injury and property damage. When you compare paying for these costs against your premium, the insurance plan is the better deal.

It’s a Comfort

As you take your motorcycle to work and navigate crowded streets, it is comforting to know that you have the protection you need in the event of an accident. Though it would be a devastating situation, financial peace of mind means a lot.


What Is Rental Captive Insurance

What Is Rental Captive Insurance

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Sometimes companies create what are called captive agencies to cover themselves. They do this to get comprehensive insurance for uncommon risks that may be expensive to insure or for which coverage may not even exist. However, if you are interested in customized coverage but cannot afford to start your own captive agency, industry experts suggest exploring the advantages that rent-a-captive offers.

Basics of Renting Insurance

Starting a captive agency is time-consuming and requires careful logistical and financial planning. Hiring knowledgeable staff to manage it is also expensive. If you do not have the resources to undertake to start your own captive agency, you can benefit from services provided by one that is already operating smoothly.

With rent-a-captive arrangements, a captive offers its services to outside organizations and businesses for a fee. Captives can provide underwriting, financial consulting, reinsurance, and accounting expertise.

Rent-a-Captive Operations

This type of insurer checks the financial security of potential new clients and performs risk assessment before providing coverage. In addition to avoiding potential loss from high risks and earning a minimal annual fee, rent-a-captives also hope to get profits from underwriting work. This specialized type of insurance provider is one of the most popular areas within the captive niche.

A good first step to forming a captive agency is renting services from an established captive. With this arrangement, you benefit from professional expertise while organizing your resources to eventually set up your own.


Can Subcontractors Drive Company Vehicles?

Can Subcontractors Drive Company Vehicles?

Can subcontractors drive company vehicles? The short answer is yes. As with all questions related to business relationships, however, the complete answer is that it depends on the circumstances and risks involved.


Subcontractors usually supply their own tools, rather than relying on a client to provide them. Allowing a subcontractor to drive a company vehicle blurs the line between employee and contractor, and can lead to the breakdown of a good working relationship. Situations do sometimes arise in which it is simply more convenient or cost-effective for both parties if the contractor uses a company vehicle. In these cases, the decision whether to allow it is up to you


Unless specifically named on your policy, a subcontractor is not covered by your auto insurance. Therefore, it is a good idea to ask for proof of insurance before allowing one to drive. You also should consider purchasing professional indemnity insurance, sometimes called comprehensive independent contractor liability insurance. This type of policy will protect you in case a contractor is involved in an accident that results in a lawsuit.

It is perfectly legal for a subcontractor to drive a company vehicle, and sometimes it just makes sense to do so. If you decide to allow this practice, always ask for proof of insurance, and be sure your own policies are up to date.


Risks of Expanding Business into Propane Delivery

Risks of Expanding Business into Propane Delivery

If you’ve been considering diversifying your heat and oil business to include propane delivery services, this can be a profitable move. However, there are also many things to keep in mind before jumping into this new endeavor.

Financial Considerations

Going into the propane industry will require a large financial investment. It could put a significant financial strain on the rest of your business. Many of the upfront costs that you will need to consider include bobtails, storage families and tanks for your consumers.

If your business is in a strong position financially, then this move can make a lot of sense. For businesses that are already struggling, it can make their situation worse.

Safety Considerations

Because propane is a hazardous chemical, your employees will have to go through additional training in safe housing and delivering propane. Some of the hazards include:

  • Propane inhalation
  • Direct skin contact
  • Correct use of protective equipment
  • Environmental disasters

These risks will necessitate the addition of propane dealers insurance to your commercial policy. If there is a mishap, you want to ensure your business is protected.

Propane can appear to be a lucrative business, and it can be if you have the resources to get a new business off the ground. Understand the risks and be cautious as you enter into the industry.


What You Need To Know About USLH Insurance

What You Need To Know About USLH Insurance

Taking out the right insurance plan can make all the difference when it comes to the long-term success of your business. Every industry has unique risks, which means you want to make sure your insurance package is tailored to the specifics of your field. If your business involves vessels that operate on navigable waters, you definitely need to understand United States Longshore & Harbor coverage and how it compares to a traditional package for Workers’ Compensation.

The Basics of USL&H

Understanding how USL&H insurance works are quite simple. Essentially, workers who are on boats and other large sea-faring vessels on navigable waters are in a unique position when it comes to insurance. Being both at sea and possibly away from the shores of the country where the business is based creates obstacles. United States Longshore & Harbor coverage tackles this problem by providing ample coverage for all workers who are at sea. Opting for this type of coverage is not only helpful for your business, it also is required for certain businesses. Additional points to consider include:

Properly Protect Your Employees

To properly protect your business from the risks of your industry, you need insurance that can rise to the challenge. Look into how United States Longshore & Harbor coverage works and determine if it is needed for your business.


The Best Marketing Tool for Your Cannabis Business

The Best Marketing Tool for Your Cannabis Business

Cannabis is one of the most challenging sectors to the market. Cannabis companies have to come up with creative ways to let their potential customers know of their existence. One of those creative avenues that have shown good ROI is through sponsorships. 

How Sponsorships Work

Promoting your business through cannabis sponsorships will increase your visibility. Many events work hard to find sponsors and are going to be eager to work with you. The event coordinator will ask you to choose a sponsorship level. Keep in mind, each level will offer your business more exposure.  

Think about what type of exposure you would like to give your business. Consider having exposure in or on

  • the backs of t-shirts
  • banners around the event
  • programs and media advertising
  • announcements during the event
  • goodie bags, including providing your own swag for event participants

Choosing a Market

Not all events are going to be a good fit for your business. You also don’t want to sponsor an event that is out of the market. 

As a cannabis business, think about who your clients are, and where you see them spending their free time. It is at those types of events that you want to take your brand image to attract other people like them.

Being a part of an event can also be a rewarding experience as you get to meet new people who have a genuine interest in your business, and you get to give back to the community. 


School Risk Management: The Impacts of COVID-19

School Risk Management: The Impacts of COVID-19

Given the multitude of concerns around the COVID-19 pandemic, there is a critical need to implement dynamic risk management programs for schools. Two important first steps are assessing and prioritizing potential risk factors. This will determine the course of any management strategy and inform collaborative effort within the school system.

Risk Management Tools

Insurance companies stress the importance of having active risk management tools in place to identify and manage COVID-19 issues. These instruments are similar to other event strategies, such as school shootings or tornadoes, and need to be executed with precision when an incident occurs. Effective risk management protects students and employees, limits time lost, decreases educational disruptions, and reduces legal exposures. Schools can build better risk management protocols using these tools:


Since COVID-19 has the potential for devastating school systems, training should begin immediately for teachers and administration. It is vital to emphasize the need for compliance and teamwork.


A streamlined approach to passing information to the right people is needed for effective emergency response. A database dedicated to COVID-19 training, workshops, protocols, and incident reports will streamline management efforts.


Limit the number of people in the communications loop. The important part is to get information to the people who need it as quickly as possible, to mitigate negative outcomes.

Risk management programs for schools are the best way to protect people and systems during the COVID-19 pandemic. As long as the essential tools are in place, strategies can be continually reevaluated and updated to perform as needed.  


Float Plan Information Guidelines

Float Plan Information Guidelines

Are you planning to spend time on the water? Then one important thing you need to do is file a float plan. This is a critical and often overlooked part of boater safety. A plan provides comprehensive information to an individual who will help oversee your trip itinerary. If you do not make it to your destination as designated, they can notify the proper authorities to make certain you are safe.

Float Plan Details

This is the type of information you should include in your float plan:

  • Personal data: Write down your name and phone number.
  • Boat specifications: Provide the type, make, model, year, color, length, registration number, survival equipment and the name of the vessel (if applicable).
  • Individuals onboard: Give the names, addresses and phone number of all people on board the vessel and be sure to include yourself.
  • Trip plan: Detail your departure and destination information, leave and arrival times and dates, and any stops while on the journey.
  • Vehicle and trailer information: Supply information about your vehicle and trailer and give complete registration information for both.

Always clearly note your expected return date and specify any authorities to be notified if you fail to get back on time.

The experienced insurers at also remind boaters that proper insurance coverage is necessary to keep you safe on the water. Float plans and insurance are good common-sense ways to protect you on any boat outing.