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How to Make 2018 a Great Year

  • January 5, 2018
  • Category: Article

For Individuals

The New Year is a great time to start fresh and make sure you have all your ducks in a row. That includes laying the foundation for a solid personal insurance program.  We are here to help you design the best possible personal insurance program.  You never know what the future may bring, and having a solid insurance program is the best defense against the unknown events of 2018.

Some Suggestions to Help Make 2018 a Great Year:

  • Consider life insurance for you and your spouse.  If you currently have life insurance, have us review your current program.  Life insurance rates are low and life insurance provides a real value to your financial program.
  • Have you reviewed your home’s value?  It is important that your replacement value be updated to make sure you are fully covered in the event of a loss.
  • Have you purchased any new personal property of value, like art or jewelry, that need to be added to your homeowner’s insurance?
  • Are you renting your home on a vacation rental website?  If so, your homeowner’s insurance may not provide the right kind of coverage.
  • Are you using your vehicles for any business related purposes?  Have us review your coverage.
    For Businesses

We recommend you start 2018 strong by having us complete a review of your business insurance program.  We will review your exposures to risk and compare these to your current coverage.  If we do not find any gaps, we will tell you, and if we do find gaps, we will provide recommendations to you.

Here are some things you can do today to strengthen your business insurance program for 2018:

  • Read your insurance policies. It is better to know what coverage you have before a loss occurs.
  • Meet with your agent and have him/her review your program and make recommendations.
  • Review your losses over the past few years and determine if there are any areas where improved safety might help reduce losses.
  • Take advantage of any loss prevention services offered by your business insurer.
  • Consider adding additional coverage like cyber liability, employment practices liability, or a commercial umbrella policy.
  • Review all your safety policies to make sure they are up-to-date.
  • Make safety training a priority in 2018 with safety incentives for accident-free months.