As the end of the year approaches, many business owners take the time to reflect on their accomplishments and plan for the future. While preparing for the year ahead, it’s easy to overlook one critical aspect of...

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Car theft is a frustrating and costly experience that affects thousands of vehicle owners each year. While most modern cars come equipped with advanced anti-theft features, thieves are becoming more sophisticated,...

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Operating a seasonal business can be both rewarding and challenging. Whether you run a landscaping service in the summer, a ski rental shop in the winter, or a holiday-themed retail store, your business has unique...

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Life's biggest milestones, like marriage, buying a home, or having children, often bring new financial responsibilities and changes in your insurance needs. To ensure you and your loved ones have the right coverage in...

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As artificial intelligence (AI) continues to revolutionize industries, its integration into business operations has become almost inevitable. AI offers substantial benefits in efficiency, decision-making, and automation,...

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Riding a motorcycle offers an unparalleled sense of freedom and excitement, but it also comes with its share of risks. To ensure safety on the road, it's crucial for motorcyclists to invest in proper safety gear. From...

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The shift towards remote work has introduced numerous benefits for businesses worldwide, including increased flexibility and reduced overhead costs. However, this shift also presents new challenges in data security and...

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Starting a new journey together as newlyweds is an exciting time filled with hopes, dreams, and plans for the future. Amidst the whirlwind of changes, it’s crucial not to overlook the practical aspects of merging your...

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In the commercial auto industry, safety is paramount. Not only does it concern the well-being of drivers and the public, but it also significantly impacts operational costs and company reputation. With advancements in...

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Renovating your home can be an exciting journey, transforming your living space into the dream dwelling you've always wanted. However, amidst the excitement, it's crucial to undertake precautions to avoid common...

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Workers' compensation insurance is a fundamental aspect of running a business, providing vital protection for both employers and employees. This insurance covers medical costs, rehabilitation, and lost wages for...

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Taking care of fire safety at home is a key part of managing your household. Each year, fires in residential areas cause significant property damage. However, many of these incidents may be prevented with the right...

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The rise of home-based businesses has been one of the most significant shifts in the modern work landscape. While operating a business from home offers convenience and flexibility, it also necessitates careful...

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As parents, the safety of our teenage drivers is paramount. With road accidents constituting a significant risk for young drivers, leveraging technology to enhance their safety isn't just smart; it's essential....

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In the aftermath of an unexpected event, such as a fire, theft, or natural disaster, having a comprehensive home inventory can be a lifeline. This detailed list of your possessions not only aids in the homeowner...

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Business owners have multiple types of insurance to protect them from a variety of financial and legal risks. They should also protect their employees with workers’ comp insurance. Here’s what you need to know about...

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If you own a rental property - whether a long-term one or a short-stay place you rent out to vacationers - you want to treat it like a business, as it provides income for you. Here are six smart devices that can help...

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Owning a boat can make weekends and vacations fun and memorable. Follow these tips to help ensure that when you’re towing your boat you’re being as safe as possible to lower the risk of accidents and unwanted insurance...

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With the increase in online business operations and employees working from home, companies are at greater risk of internet fraud. To help keep your business from what could be a potentially ruinous incident, follow...

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If you’re planning a home improvement project, you probably have many contractors available to choose from. How do you pick the right one that will get the job done safely and without liability issues? Follow these tips....

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Remote work is rapidly becoming a business model for the future. If your company has never hired remote workers before, here are some expert tips to help set you up for success and protect your business too. Determine...

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When you tackle home improvement projects, it’s wise to prioritize those that add the most to your property’s value, especially if you might put your home on the market in the next few years. Here are the renovations...

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Whether you’re a small startup or a large enterprise, you no doubt have business insurance to protect your investment and hard work. It’s easy, however, to operate on autopilot without assessing your insurance coverage...

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If you have a young driver in your home, you may be fearful about them driving on their own, especially in bad weather or road construction. Here are some tips to share with them to improve safety by adapting their...

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Reputation management and its cousin, brand reputation management, are essential these days if your business has an online presence. Here are a few ways you can help protect your company’s reputation both on a regular...

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Homeowners today have never had more ways to save money through technology. Here are five smart home devices that will help you cut down on your bills and improve your home’s safety. Better safety can mean fewer...

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If you’re on the fence about renting or owning a home, here’s a helpful look at the upsides of each option. Remember to get the right insurance when you make your choice, so your property is fully protected. The...

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If you want to reduce your risk of traffic accidents and the insurance claims that accompany them - which could cause your premium to go up - you need to drive defensively. Here are some driving tips to help you avoid...

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If you’re house hunting, you’re probably looking at many elements like the number of bedrooms or how updated the kitchen is. Don’t forget to check for these things too, which which may help avoid home insurance claims...

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Many insurance carriers today offer smartphone apps that track telematics to monitor driving. Here’s how they work and how these apps may help you lower your auto insurance premium, along with a few other advantages. ...

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Water has been in short supply in many areas of the United States lately. And even if it’s bountiful where you live, you may be paying more for water than you’d like. Here are some tips for using less water and saving...

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Your auto insurance is one of the most important elements of your personal insurance portfolio. But some people purchase only the minimum required liability coverage, not realizing they may be leaving themselves open to...

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Whether you’re just getting away for a long weekend or spending a few weeks out of the house, it’s important to ensure your home is safe while you’re gone. Follow these tips to help prevent break-ins, fires, and water...

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Floridians for Lawsuit Reform is a 501(c)4 organization that was formed by Floridians to pursue lawsuit reform. - The goals of the nonprofit are to: Raise awareness for the abuse of the systemDemonstrate the impact of...

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It seems like every day on the news that we hear stories about a hurricane, flood, or wildfire creating massive damage in the U.S. and putting people out of their homes. Have you thought about how your family would...

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With the new car market impacted by shipping delays, many people are choosing to buy used cars lately. And some people only purchase a used vehicle because it saves them money and lets the first owner figure out if it’s...

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Having a new puppy join your household can change your life. The snuggles and kisses make getting up in the middle of the night for potty breaks worth it, but in the whirlwind of change, it’s easy to forget some...

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As a policyholder, you have legal rights when working with a Public Adjuster. It’s important to know your rights and the Public Adjuster’s responsibilities prior to signing a contract. The Public Adjuster can file an...

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A security camera can help protect your property against intruders or provide evidence in the event of a break-in. But with all the technology available today, it can be tough to figure out which smart security camera...

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Grilling food is a fun pastime, and it’s ideal on those summer days when you don’t want to heat up the kitchen. But every year, there are accidents and home fires because people don’t grill safely. Follow these tips to...

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No one likes the thought of having pests in their home, whether they be rodents, cockroaches, ants, or any other common household pests. If pest activity is common in your area, it is important to take steps to prevent...

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You've worked hard to create a beautiful garden for your yard, but there is more to yard maintenance than simply mowing the lawn and watering the plants. There are plenty of other tasks you'll need to complete in order...

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Water damage is one of the worst problems that homeowners can run into. Not only can it be incredibly expensive to repair, depending on the extent of the damage, but it can also create the potential for mold and mildew...

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You may not give the windows on your home much thought, but they can actually make a big difference not just in your comfort level, but also in the value of your home. You'll have a wide range of options to choose from,...

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Spring is a common time for people to take on all of the cleaning tasks that they put off during the winter. With the weather getting warmer, it's the perfect time to tackle jobs both inside and outside your home. While...

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If you're like most people, you like to keep your home at a comfortable temperature throughout the year. However, running your heater or air conditioner constantly uses a lot of energy, and your electric and gas bills...

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Today's modern appliances are much more energy-efficient than their predecessors, and some are even better than the rest. When shopping for appliances, you'll likely be overwhelmed by choice, so it is important to know...

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Smoke and carbon monoxide detectors are essential for any home, so you should ensure that your house is equipped with them. You should have detectors in the main living areas on each floor, including in every bedroom...

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No one likes to think about the possibility of a fire in their home, but this is one situation where it definitely pays to be prepared. This is especially true if you have children or pets in your home. Read on to learn...

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Solar panels can provide clean electricity for your home, helping you to save money on energy costs while also doing your part to help the environment. However, not all homes are suited to solar energy. Here's what you...

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When it comes to buying insurance, you have two primary options available to you: independent agents like us, and captive agents. While both can provide insurance services, these two types of insurance agents are not...

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More and more people these days are choosing to add dash cams to their vehicles. These small cameras can be highly useful, especially in the event that you get a traffic ticket or are involved in a crash or other...

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Summer is here and people are flocking to the water - whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger. According to the U.S. Centers for Disease Control and...

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Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can...

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Sometimes a basic homeowners policy just isn’t enough. So as your career advances and your income increases, it’s important to keep your insurance protection up to date. This helps you avoid expensive gaps in coverage...

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Shopping online. Visiting the doctor. Buying gas. In nearly all of the things we do from day to day, there’s the risk of identity theft. You could unknowingly give your information to a fraudster thinking you’re...

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If you have a homeowners policy, you probably expect it to cover all the costs of rebuilding your house in case it’s damaged or destroyed by a covered hazard. But are you certain you have enough coverage? Read about two...

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It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity - particularly this...

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Unless you’re headed to a warmer climate for the winter - or you live in one already - fall is the time to start preparing your RV for winter (as long as you’re done using it for a while, that is). And just because you...

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Fall is a wonderful time - if your home is ready for it. So enjoy the last few weeks of warmer weather, but do a little preventative maintenance while you’re at it. You’ll fix small problems before they become big, and...

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We’re not quite sure where summer went, but the new school year is upon us. And as you get your kids organized and ready, consider doing the same thing for something else - your home. It won’t just be good for you; in...

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What would you do without power tools? Well, you’d probably take on fewer home-improvement projects - and probably have a lot more calluses on your hands. Thankfully, you don’t have to do without. But you do have to use...

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It doesn’t take a massive remodel, or a big budget, to make your house feel a little more like home to you. Inside or out, small improvements can make a significant difference - and whether you’re handy or not, you can...

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A safe home, a regular routine, a soft bed – the things that bring you comfort bring your pet comfort, too. It’s so important to give some advance thought to how you’d handle your pet responsibilities during and after a...

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Carrying a minimum amount of auto insurance is required by state laws, so you can’t legally drive without it. Yet while the minimum amount keeps your premiums lower, it can also put you at great risk if you have an...

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Every year, unintentional carbon monoxide (CO) poisoning (not linked to fires) sends 20,000 people to the emergency room and causes more than 4,000 hospitalizations. And, you might consider them the fortunate ones. CO...

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If you’ve ever been stuck on the side of the highway with an RV issue, you know what a life saver roadside assistance can be. Whether you need a battery charged, a tire changed, or a tow you’re often back on the road in...

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Fall is here, and there are still plenty of motorcycles on the road. And the key word here is “see.” People driving cars and trucks often fail to notice the motorcyclists around them, partly because they’re not...

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Group riding is a favorite activity among many motorcycle riders. Whether you’re part of a riding club, a social event, a charity ride, or out for a leisurely cruise with friends, group riding can be a rewarding way to...

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Summer is here, which means it’s time to think about family vacations! (If you haven’t been thinking about them all year, that is.) The family part of family vacations, however, can make things a little complicated. You...

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With spring in full bloom and summer just on the horizon, prime boating season is upon us. And you might notice more people on the water than ever, because sales of recreational boats have been growing at a steady clip...

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April 22 marked the 49th annual Earth Day, when more than 1 billion people in nearly 200 countries were expected to take part in what the Earth Day Network calls “the largest civic-focused day of action in the world.”...

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Spring is a time for new beginnings, and cleaning and organization around the house are very popular this time of year. If you’re ready to tackle the monumental spring cleaning chore, read on for some helpful...

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Back in the early days of home security “systems,” around the end of World War I, it was common for homeowners to hire “door shakers”-night watchmen who would literally walk around and check doors to make sure they were...

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You’re not just imagining it-a lot of people are traveling with their pets these days. According to a TripAdvisor survey of more than 1,000 travelers, 53% of those responding said they take their pets on vacation, and...

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Owning a home is usually a great experience. But it can also be a hassle, especially when unexpected issues pop up-whether you have a minor breakdown or a major catastrophe, it’s almost certainly going to require time...

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Online data breaches are just an unfortunate fact of life now-as the New York Times put it, you might as well assume that your personal information has been taken, because cyberattacks happen all the time. Many people...

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For many of our neighbors, summer means more than sunshine and vacations. It also means working in the yard – often with tools that can be dangerous if not used properly. Each year about 400,000 people are treated for...

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Did you know that hundreds of thousands of people in the United States commute to work by bicycle, according to the U.S. Census Bureau? That’s a lot of cars off the road each day, a lot of gasoline saved and a ton of...

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If you own a boat (or better yet, as the joke goes, you know someone with a boat), you’ve probably thought about spending some evenings on the water - especially in the summertime. It’s a great thought, of course. But,...

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Summer’s almost here. The sun will come out of hiding, and people will, too. As crowds swell at the beach, in parks, and even on roadways, it all makes for some challenging driving conditions. More people are out and...

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You probably don’t think your dog would ever bite someone, let alone cause a serious injury. But dog bites are more common than you might realize-4.5 million occur every year in the U.S., according to the Centers for...

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Every year, according to the Centers for Disease Control and Prevention, hundreds of people in the U.S. die from carbon-monoxide (CO) poisoning-and the invisible, odorless gas sickens thousands more. The numbers seem...

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A ring from a loved one. A bracelet handed down through generations. A watch or necklace marking a special occasion. Every reason you treasure a piece of fine jewelry is a reason it should be insured. However, calling...

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You’ve heard all the talk about driverless cars - but unfortunately, we’re still years away from living in a world where you just tell your car where to go, kick back and relax with a book (or, more likely, your phone)....

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From building materials to furnishings, many of the things in your home likely aren’t as flame-resistant as those from yesteryear. A fire in a modern home is a “perfect storm,” according to safety consulting and...

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It’s easy to lower your insurance costs - especially if you have a great driving record, or don’t mind having higher deductibles. Who doesn’t want to pay less for car insurance? Billions of dollars are spent on ad...

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One of the most certain things in life is uncertainty. Your dog could bite the neighbor’s kid. Your teen driver could hit a cyclist. A guest could fall down your stairs. A rainy morning commute on worn-out tires could...

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That oh-so-covetable experience of taking a dip in your very own pool? Millions of American households enjoy it, at least when the weather’s nice. With the summer heat ratcheting up, you may be coming down with a...

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Members Insurance Center is here for you! No doubt Irma has had a devastating impact on our family and friends. We wanted to provide you some information here that will hopefully help you navigate through this process.1)...

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As a busy homeowner, it's easy to fall into the trap of pushing off tasks that maintain the long-term value of your home in favor of more pressing problems. That’s OK, to a point, as certain house-cleaning projects...

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Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry. Spring rainstorms are a fact of life in many...

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Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can...

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In today’s economy, everyone is pinching pennies. So why worry about umbrella coverage? Shouldn’t a home and auto policy leave you adequately covered?Unfortunately, we live in a world of lawsuits. Large damages can be...

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Talking to Your Teen About Safe DrivingWhen teens begin to drive, according to the National Highway Traffic Safety Administration (NHTSA) and the National Safety Council, the sobering statistics start to pile up:Car...

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You’ve heard all the talk about driverless cars. Yet we’re still years away from living in a world where you can just tell your car where to go and then kick back and relax with a book or your phone.Even still,...

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No matter how safe you are behind the wheel, you’ve probably done things like: Shift into drive while the car is still rolling backward. Ride the brakes on steep hills. Roll into the gas station on empty. Guilty? If so,...

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It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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Technology has made home alarms of all kinds — from security to smoke, radon to radiation — more accessible than ever. Many of them can be configured to work together, and some even alert you to trouble through your...

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Have you ever noticed that, with roadway anger, it’s always the other guy’s fault? And, it very well could be. The thing is, you can’t control how other people drive. But, you can control how you respond to situations...

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When the sun is out and the weather’s warm, people flock to the water — whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger.According to the U.S. Centers for...

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Spring has arrived, which means it’s time to clean the cobwebs out of the corners, organize the closets and so forth. While you’re at it, don’t forget to revisit the important documents and other items you have in your...

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A fire is a fire, and a fire extinguisher is a fire extinguisher, right? Well, not quite. There are actually different types of fires and different types of extinguishers that respond best to each one. So, which is...

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It’s just rain — how much impact can it really have on your driving?The answer: a lot. You’re likely to experience lower visibility, reduced traction and increased difficulty in handling your car both during and after a...

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What’s the most important number for you this tax season? The amount of your refund? The amount you owe? The number of hours spent poring over all the other numbers? All of those are pretty important, but none of them...

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About 2 million times every year, animals and cars collide on U.S. roadways — often causing serious and even fatal injuries to drivers and passengers, along with about $1 billion in damage, according to the U.S....

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It's not unusual, when you set out on that holiday trip, to look back at the house a little nervously. Sure, you remembered to lock the doors, but just how secure are things? What might happen while you're away?One way...

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It's become almost as much a part of Thanksgiving as turkey and football: Black Friday, the morning-after (or in some cases evening-after) shopping spree. It's the biggest shopping day of the year, an event in its own...

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Fall brings more than just changing leaves and shorter days. In many areas, it also comes with a shift in weather conditions that can have a serious impact on your home. And, don't forget, winter is right around the...

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It's back-to-school time, and, if you have school-age children, your household is likely bustling with activity and filling up with books and backpacks. There are other households and school districts in your community,...

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Two thirds of households in America have air conditioners, according to the U.S. Department of Energy — and they spend a total of $11 billion each year running them. Our guess is that most of those households (which may...

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Spring is here, and you're ready to get out on the water. But is your boat ready? Even if you've kept it properly stored for the winter and protected from the elements, there are still a number of things you need to do...

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Spring is a time for rejuvenation, and, as the weather gets warmer here in Tampa, Florida, and the days grow longer, there's a positive energy in the air. Many people decide it's the perfect time for reorganizing and...

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From genetically modified crops to the environmental and health effects of pesticides, more and more Florida residents are questioning whether they should grow what they eat. Wherever you stand on the issues surrounding...

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As a nation, our pets are like family, so let's make sure they enjoy the holidays with us while staying safe. As a general rule of thumb, always keep pets on a regular routine, even during the holiday season. Don't let...

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In 1984, National Night Out - "America's Night Out Against Crime" - began as a way to promote crime prevention through neighborhood camaraderie. Since then, according to the National Association of Town Watch (NATW),...

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