There is no disputing that the internet has changed our lives in the past 15-20 years. It has altered how we live, shop, and interact with each other. Companies such as Facebook, Amazon, Google, and Apple have become household names. But technology has also brought the expectation that everything should be quick and easy. To meet this demand, some technology companies have tried their hand in the insurance space which can be problematic for the consumer.
While being able to access a quote online is a convenient and viable option for the consumer, there is a very dangerous reality that the consumer may end up with serious deficiencies in coverages if they only view the price when quoting online. The fact is not all quotes or policies are alike; some quotes offer higher limits, more “enhanced” coverages, coverage exclusions, and different deductibles. Unfortunately, most consumers do not realize these differences or deficiencies until a loss occurs.
Seeking a trusted independent insurance agent is the best option to avoid coverage gaps or deficiencies. Independent insurance agents are licensed professionals who can find the right coverage for the individual needs of a client, and at a fair price. Independent agents represent several different insurance companies so they can present the best options for the client. Insurance is an essential product in our everyday lives that can provide the invaluable piece of mind knowing your assets are protected. But buying insurance online to seek the best price, may leave you exposed to uncovered loss exposures you were not aware of. As the old saying goes, “the devil is in the details.” It may be prudent, but it’s important to take your time when quoting online so coverages can be compared and reviewed more closely. Your assets are more valuable than a few quick minutes of your time.
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For a number of years, businesses have had the option to purchase cyber liability insurance. This type of coverage protects them against threats like malware attacks, cyber extortion, online fraud, and data breaches. In fact, this coverage continues to be one of the most discussed areas of commercial insurance, as business owners realize no matter the size of their business – or the type of business they operate – all business are vulnerable to cyber attacks.
Nine. A relatively small number until you put it into context. Every day, nine lives are lost due to distracted driving. Driving is something that many of us do each day without putting in much thought or energy, almost like being on autopilot. Instead of using driving as a time to unwind, focusing on the road and getting to our destination safely, we are now consumed by distractions. Fortunately, you have the power to turn those distractions off…but will you?
The temperatures have gotten cooler, and the trees are vibrant with color! It is a beautiful time of year.
As the temperatures lower and we start to enter into the fall season, one of my favorite holidays is approaching: Halloween. I remember as a kid the excitement that would build each week as it approached. Being able to dress-up and pretend to be something you idealize is an American tradition unlike any other. For one night a year, you are encouraged to get outside of your home, knock on your neighbor’s door, and ask for a Trick-or-Treat.
Adding a young driver to an auto insurance policy can cause sticker shock for a parent. According to InsuranceQuotes.com, a rate comparison site, adding a single teenager to a policy caused annual premiums to increase an average of 78%, or $671. The good news is that teen driver rates have been decreasing since 2013 when the average increase was 85%! 
Dog ownership is very common in the United States, and a dog is more of a family member than a pet. Dogs also pose a great liability for homeowners and an increasing amount of claims are being seen related to injuries from dog bites.
Unmanned Autonomous Vehicles (UAVs) or Remotely Piloted Aerial Systems (RPAS), commonly known and referred to as drones, are aircraft which can be operated without an onboard pilot. Originally developed for military use in situations deemed too dangerous for manned aircraft, their use has since expanded to scientific, recreational, agricultural, commercial, and insurance industries. In the insurance industry, they are highly versatile. They can perform such tasks as property surveillance, 3-D mapping, and roof inspections. As the number of drones increase and their capabilities expand, it is inevitable that they will soon become common sights in the sky. As with any new technology, drones have their own unique risks and hazards. If you have purchased a drone, or are looking to purchase one for your personal or commercial use, the following tips, guidelines, and general information will help you comply with existing regulations, safely operate, and properly insure your drone. 
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