September 22, 2025
AgencyHow Moving to a New Zip Code Can Impact Your Auto Insurance Premiums
Insurance companies use your zip code as a factor when calculating your auto insurance rates. Where you live can influence the likelihood of claims due to factors like: Accident frequency: Areas with higher traffic or more reported accidents may lead to higher premiums. Theft and vandalism rates: Neighborhoods with more vehicle thefts or vandalism can […]
August 22, 2025
AgencyDo You Need Liquor Liability Insurance for a One-Day Event?
Planning a wedding reception, fundraiser or festival often involves making sure guests have a good time, and that sometimes includes serving alcohol. While one-day events can be exciting, they also come with potential risks. If alcohol will be available, liquor liability insurance may be worth considering to help protect your finances and reputation should something […]
July 21, 2025
AgencyDo You Need Liquor Liability to Get a Liquor License?
Opening a bar or restaurant, or hosting an event where liquor is served, can be an exciting business endeavor, but it’s one that’s rife with regulations to follow. If you’re wondering if you need liquor liability insurance for your liquor license, the short answer is usually yes, and it usually depends on your state and […]
May 27, 2025
statewideagencyThe Role of Business Insurance in Lawsuit Protection
Your business may face daily risks from various potential sources. Incidents affecting your company’s property or directly impacting its financial interests may be the first threats to come to mind. Still, many organizations must also account for situations in which other parties may blame you for their own losses. Should your organization face these allegations […]
March 24, 2025
statewideagencyHow to Reduce Workplace Injuries and Lower Your Workers’ Compensation Costs
Workplace injuries can pose a significant challenge for businesses, impacting employee well-being and company finances. Reducing these injuries is crucial for creating a safer work environment and lowering workers’ compensation costs. By adopting safety protocols and nurturing a safety-first mindset, businesses can safeguard their workforce and boost their overall performance. How to Promote Workplace Safety […]
February 3, 2025
statewideagencyWhat Is Subrogation and How Does It Affect You?
Subrogation is a fundamental concept in the insurance industry that is crucial in the claims process. It allows insurance companies to recover costs from third parties responsible for causing an insured loss. This process not only helps insurers manage their financial risks but also ensures that the actions of others do not unfairly burden policyholders. […]
January 29, 2025
statewideagencyUnderstanding Home Insurance in Utah
In Utah, many homeowners may face unique risks and challenges compared with those in other parts of the country due to the state’s diverse climate and geographical features. Although no state laws mandate coverage, mortgage lenders are permitted to require it as long as a loan remains outstanding. Even without such requirements, understanding and acquiring […]
November 11, 2024
statewideagencyEssential Insurance Coverage Restaurants and Bars May Need
While working in the hospitality industry can be lucrative and enjoyable, it also means accounting for many risks and exposures. If you are a restaurant or bar owner, you must diligently assess and thoroughly address potential threats to protect your financial viability and ensure you can manage the aftermath of various incidents. This makes understanding […]
January 19, 2024
AgencyWhy You Should Work With an Independent Insurance Agency
Sometimes, you might see advertisements for cheap auto insurance that offers fast, easy enrollment online without the hassle of talking to a pushy salesperson. This might sound like it’s a simple, practical way to get the auto insurance you need as efficiently as possible. However, is it really a wise step to take? Should you […]