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Effective Ways to Spring Clean Your Life Insurance

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It is smart to “spring clean” your life insurance each year, as the life insurance market changes over time. A new insurance product could allow you to purchase higher levels of coverage at a lower cost. With the help of a qualified insurance agent, you may discover you have been overpaying. A life insurance policy is an ideal way to protect your loved ones from a financial disaster if you suddenly die, but insurance companies vary in the types of coverage they offer, and the cost of monthly premiums. To “spring clean” your life insurance, it is necessary to:

Review Your Current Life Insurance Policies

A better option for a life insurance policy may have become available on the market, with higher levels of coverage at the same monthly premiums, or lower. Don’t let your life insurance policy continue without looking at the current insurance products on the market – you could enjoy the savings and better protect the people you love should you pass away suddenly.

Evaluate Changes in Your Life Circumstances

You may have a higher paying job, bought a home, had a baby, or gotten married or divorced. Every life change may require changes to your life insurance policy, including changing or adding beneficiaries, increasing policy limits, or converting your term insurance to a whole life insurance policy.

Raising the Death Benefit

Your life insurance policy will pay your named beneficiaries a death benefit if you pass away. The amount paid may no longer reflect the financial needs of your loved ones. The amount needed may now include the cost of a college education for your children, paying off a mortgage, or providing your loved ones with financial support during probate, which can take years.

Upgrade Your Life Insurance

Many term insurance policies offer policyholders the option to convert to a whole life policy. These policies provide a range of positive benefits. Depending on the policy, your premiums will not increase, and the policy becomes a valuable investment. Over time, it will build a cash value, growing tax-free. As the cash value increases, you can tap into the asset borrowing from the policy at a low-interest rate. Several whole life products are available, each offering different benefits. A term life insurance may offer the option to convert it to whole life. If your term life insurance does not offer this advantage, it may make sense to upgrade to a better term policy.

Review the Policy Term

Your term life insurance policy has a specific number of years of protection for your loved ones. The term is typically between ten and thirty years. You may choose to buy a policy with a longer term, based on the changing needs of your family, such as the costs of a college education for children.

Move from a Renewable Premium to a Level Premium

Some term life insurance policies cover you for a year at a time and are renewable, but the cost of premiums increases year by year. You may choose to switch to a level premium policy to better manage your monthly budget.

Meet with a Life Insurance Agent

The best way to spring clean your life insurance is to get the help of a professional. Much of how an insurance policy works can be found in the small print. One of our local agents can advise you of any new products on the market that may better suit your budget, assist you to change beneficiaries, help you with any questions regarding whole life, or find a policy with a higher death benefit.

5 Types of Cyber Criminals & How to Avoid Them

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Cybercrimes are on the rise in the USA, and business owners need to be alert to the most common ways these criminals operate. The losses incurred by a business after a cyber attack can be staggering, particularly when the personal information of clients has been stolen. There are five general types of cybercriminals, and several techniques to help companies avoid the risk of a data breach:

Phishing

“Phishing” refers to emails coming to employees (or business owners themselves) that appear to come from a legitimate source, such as tax authorities, a vendor, client, or another party. Within the body of the email, you are asked to urgently reply, or click on a link. Once the link is activated, cybercriminals can access your internal systems, including the personal information of your customers or clients. These phishing emails may be obvious, or very sophisticated, appearing completely legitimate. It is critical that your employees are educated about phishing, as this method is one of the most common ways cybercriminals successfully perform a data breach.

Hacking

Hacking is one of the most common ways cybercriminals access company systems. They may first install malware through a weakness in system security. The malware captures passwords keystrokes, allowing access to bank accounts, business operations, and private personal information. If you are uncertain if your computer system is protected against an incursion, a security consultant can evaluate your system and install security features to reduce the chances that a hacker will be successful. Ensure every employee uses strong passwords and implements multi-factor authentication.

Former or Disgruntled Employees

An employee that is unhappy with a boss, pay, company culture or other aspects of employment can be the source of an expensive data breach. To avoid the serious financial losses associated with a cyber incursion, ensure all employee credentials are canceled immediately when an employee leaves the company, update your internal security system to track and log employee online actions.

Ransomware

Ransomware has led to disasters at hospitals, retailers, and businesses across the globe. A specific type of software is installed on the system, typically through phishing or hacking. Once the software is activated, the computer data cannot be accessed. The victim, whether a business, agency or other entity, is held hostage until the ransom is paid. The cybercriminals involved in these actions are typically sophisticated groups located overseas. They often demand payment in bitcoin, and until the ransom is paid, your systems are inaccessible. Some of the basic methods to avoid ransomware are multi-factor authentication and a full security update to your business technology.

Digital Stalkers

Your digital information can be found online, through various legal and illegal methods. Cybercriminals track your actions online, looking for information on social media, such as your pet’s name, your date of birth, the name of a parent, child, or other information to discover passwords. Once the passwords are identified, cybercriminals can then make their way through the system to gain access to personal information, which is sold. To avoid the damage, schedule regular employee seminars on cyber security, and ensure your system requires multi-factor authentication.

Your Business Insurance and Cyber Crime

If your company is the victim of a data breach, it is a disaster. It is imperative that you have the protection provided by your business insurance. Many businesses, to protect against risk, add cyber insurance to their business insurances to protect against the extreme financial losses of a data breach. You can speak with one of our local business insurance agents to discuss your options to determine the right types of coverage to protect your business assets.

5 Spring Home Maintenance Tips

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When spring arrives, it is time to get ready for the warmer months. These five spring maintenance tips can help you maintain and protect your home.

Roof Inspection

Your roof has been subjected to harsh winter weather and should be inspected yearly. You can inspect the roof yourself, but it is not recommended. It is advised that you contact a professional roofing company to inspect your roof, perform any minor repairs, and remove any moss or lichen that has gained a foothold. A qualified inspector will also check for any leaks, check attic ventilation, the condition of the roof decking, and any loose, buckled, missing, or cracked shingles that could lead to a leak. If you have skylights, they need to be checked, along with the flashing and mortar around the chimney and the chimney cap.

Gutter Cleanup

After a long winter, your gutters can be filled with debris that must be removed. The downspouts should be cleaned out to ensure the water flows freely in a rainstorm. If you have leafy trees or evergreens, the gutters have accumulated debris that must be removed. If any seams or end caps in the gutters are damaged, they should be repaired. If the gutter system is clogged or needs repair, the water can affect the walls and foundation of your home. Ensure the gutters are in good working order to protect the integrity of your home.

Change HVAC Filters

Your heating system has been working day and night to keep your home warm, and the filters have collected the dust and dirt in the air. With new, clean filters, your air conditioning and heating system function much better, saving you on your energy bills – and you will enjoy cleaner, fresher, indoor air.

Window Screen Cleaning and Repair

Your window screens will last longer with regular maintenance. Remove the screens and clean them with vinegar and a scrub brush, or a commercial cleaning product to restore them to a sparkling, fresh appearance. If you are unable to remove the screens, pressure washing or vacuuming with a shop vacuum can remove excess dust, pollen, spider webs, and dirt. Check the seals around your windows and repair any cracks or missing seals.

HVAC Service

We look forward to the warmth of summer and rely on our air conditioning systems to keep our homes comfortably cool. Your A/C system should be serviced before summer arrives. Any minor repairs can be performed by an HVAC technician, which helps keep your system at peak performance. If the A/C system is 15 to 20 years old, spring may be the right time to invest in an energy-efficient system that will work better, and cost less to run.

What Can Personal Insurance Do for Me?

Personal insurance policies serve an essential purpose, covering an individual against losses associated with a death, injury, or property damage to another person on your property. As part of preparing for spring, have your coverage evaluated to ensure you have the right protections in place. With personal liability insurance, you could avoid the serious financial losses associated with a claim or lawsuit, up to your policy limits. If a guest or visitor to your home is injured and you are held liable, personal insurance is a lifesaver. You can find out more about personal insurance from one of our local agents. We can review your current insurance policies and help you find the best rates and the best coverage available.

How to Use a Fixed Annuity for Retirement Income

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A fixed annuity works to create income stability during retirement. These insurance contracts are designed to pay the owner a guaranteed interest rate, rather than being subject to changes in the market and interest rates. These insurance policies are purchased with a lump sum, or paid for overtime, with a guarantee from the insurance company that the account will earn an unvarying interest rate. The beauty of these policies is reduced risk, and predictable returns on retirement, along with tax-deferred savings.

When you become eligible to receive payments on a fixed annuity, the payments are taxable income. Similar to the investment accumulation phase, the money was saved without being taxed.

Types of Fixed Annuities

Fixed annuities vary in design. Each type offers specific benefits, and choosing the best type is part of planning for the future.

  • Traditional fixed annuities: These insurance products accumulate value on a fixed interest rate. Each contract has specifics, and some traditional fixed annuities will increase the interest rate after a specific number of years. It makes sense when purchasing a traditional fixed annuity to shop for a policy that offers the highest interest rate possible. The “fixed” interest rates continue for a contracted number of years, set by contract.
  • Indexed annuity: These fixed annuities are linked to an “index,” which could be the Dow Jones Industrial Average, or the S&P 500. They are designed so that you do not lose your investment, no matter what happens to the stock market. You will not lose money when the stock market goes down, but you will also not earn more interest when the market goes higher.
  • Multi-year guaranteed annuity: The interest rate on these annuities is guaranteed for the term of the contract with the insurance company, with a locked-in interest rate that will not rise or fall. These fixed annuities have the advantage of the interest rate continuing through the entire term of the contract, rather than a limited number of years. These fixed annuities may be ideal for people who are closer to retirement age, as they defer taxes, and guarantee a return on investment.

Fixed Annuities and Retirement: Immediate and Deferred Annuities

The income you receive during your retirement years will reflect whether you purchased an immediate or deferred annuity. Some fixed annuities are purchased with a lump sum by a person who is retired or nearing retirement age, with the benefit of providing a guaranteed income stream to the policy owner. A deferred annuity is designed to provide an income stream to the policy owner at some specific future time, and most appropriate for people who are not close to retirement age and will not need the income stream until later in life.

Choosing the Best Fixed Annuity – For You

As there are several types of fixed annuities, and the companies offering these products may have higher or lower interest rates, you want to choose the right product for your individual needs. With the help of a local insurance agent, you can get guidance from a professional who understands each annuity product, can explain the differences in simple terms so you select the most appropriate fixed annuity for your unique situation.

Commercial Umbrella Insurance 101

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Business owners put general liability insurance in place to protect against the excessive financial costs of defending claims and lawsuits. Umbrella insurance is designed to provide coverage above the limits of business liability insurance policies. This insurance takes over when your liability insurance limits have been reached.

Businesses, no matter how carefully they manage their operations, can be named in several types of lawsuits. A business may be sued by a customer, employee, or another business. The cost of defending against these legal actions may be higher than the policy limits of your liability insurance. Umbrella insurance adds an extra layer of protection.

What Risks Does Umbrella Insurance Cover?

Umbrella insurance protects against the same risks as business liability insurance, including:

  • Personal injury claims
  • Property damage claims
  • Advertising injury claims
  • Medical payments
  • Attorney fees
  • Damages

Is Umbrella Insurance Necessary?

In today’s litigious society, it is advised that business owners have an umbrella insurance policy for added coverage against legal claims and judgments. If the cost of a negligence claim is higher than the limits of your business insurance, umbrella insurance can be a lifesaver, and protect your company from suffering severe financial losses. If you exceed the limits of your liability insurance, you are forced to pay the rest out-of-pocket.

How Much Does Umbrella Insurance Cost?

Several factors are considered in choosing the right umbrella insurance. These factors include:

  • Inherent business risks: Every company is different in the goods or services it provides, and some types of businesses come with higher inherent risks, such as construction. A work environment that includes machinery, vehicles, or offers a product that could pose a danger to consumers may be at risk of a lawsuit to seek damages, whether from an employee, visitor to the business, customer, or client. Evaluating the risks of your enterprise can assist in choosing an umbrella insurance policy needed for an added layer of protection.
  • The value of all your business property: Your business owns many assets, including property, equipment, electronic devices, furniture, and other items that are costly to replace. The value of your business property must be evaluated when determining the type of umbrella insurance policy needed.
  • Your current business assets: A high-value lawsuit may exceed the value of your business assets, leading to extreme financial losses related to attorney fees, damages, and judgments. The umbrella policy you select will come into play if the costs exceed the limits on your other business liability insurances, whether general business insurance, business owners’ policies, professional liability insurance, and others.

Will an Umbrella Policy Cover All Business Risks?

No policy covers all risks. A business umbrella insurance policy protects against liabilities associated with business activities and business property, just as your other liability insurance. Some risks will require other types of insurance, such as flood insurance, earthquake insurance, or commercial auto insurance. A full review of your existing business insurances will reveal any weaknesses in protection against risk. Our local agents are available to evaluate your current policies and advise you about an umbrella insurance policy.

Motorcycle & Boat Coverage During Winter: Laid Up vs. Canceling

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Unless you live in one of our warmer states, you will need to winterize and store your boat or motorcycle during the winter months. You have several options, including canceling your insurance, reducing the coverage, or increasing the deductible.

What is Lay-Up Insurance?

“Lay Up Insurance” is offered by insurance companies serving the northern states, where riding a motorcycle or boating over the winter is impossible. “Lay Up” refers to the boat or motorcycle being in storage and not in use, typically from the beginning of November to the beginning of April.

To put lay-up insurance coverage in place, boats must be moored in a safe anchorage and winterized. For motorcycles, lay-up insurance means pausing the cost of liability, collision, and other insurance costs that are not necessary if your bike is in storage, greatly reducing cost. Other parts of the policy remain in force, including protection against fire and theft. Every policy is different in what is offered, and some have a “sunny day clause” which covers you for one day during the season in which your liability and collision coverage is in force.

Increasing Your Deductible

Another option is to raise the deductible on your motorcycle or boat to reduce costs. This makes keeping your insurance in force more affordable during the winter. If you rarely ride your motorcycle during the winter months or may not plan to take your boat out on the water, raising your deductible is an option worth considering – but keep in mind that if your boat or bike is damaged due to theft, fire, or vandalism, you are now responsible for a higher deductible.

Canceling Motorcycle or Boat Insurance

Canceling your insurance altogether has some downsides you should consider. Most insurance policies cover a boat or motorcycle for one year and canceling the insurance can lead to an early termination fee, and the insurance company may refuse to insure you again. The other issue to consider is that even though you are not riding your bike, or taking your boat out on the water, fire and theft are still possible. With no insurance, you are at risk of losing all your investments. Anything that happens to your bike or boat over the period when it is uninsured will be your responsibility – with the costs paid out-of-pocket.

Winterizing Your Boat or Bike

Both motorcycles and boats must be winterized. For a bike, winterizing it will protect it from having sludge or other deposits in oil and fuel systems, cracked tires, dead batteries, or other problems that can be expensive to resolve. Follow the manufacturer’s directions to correctly winterize your bike. For a boat owner, the process involves ensuring all water is drained and removed, and special products added to your boat engine to protect against corrosion. Follow the winterizing directions provided by the boat manufacturer so all systems are safe and protected during the frigid winter months. Lay-up insurance does not cover damage to a boat or motorcycle due to ice or freezing.

Protect Your Investment with Lay-Up Insurance

Whether you own a bike, a boat, or both, speak with one of our local insurance agents about lay-up insurance. The cost savings are significant, and the risk of losing all your investment is greatly reduced. We will help you find the most appropriate insurance policy, at the rates that make sense for your budget.

General Liability vs. Professional Liability Insurance

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If you own a business, you need to ensure you have the right business insurance. What is right for your company, general liability, or professional liability insurance? It could not be more critical to select the correct type of business insurance for the activities of your company. For many types of businesses, you need both general liability and professional liability coverage.

General Liability Insurance: What Does it Cover?

General liability insurance covers the cost of physical damage, and the risks of a lawsuit filed against your business related to personal injury claims, property damage, copyright infringement, or claims related to defamation in advertising, or lawsuits claiming you harmed the reputation of another company. A vast number of risks are covered by general liability insurance, including:

  • The costs associated with damage claims against your business.
  • The cost of medical treatment for a person injured on your property.
  • Court costs, judgments, and settlements, up to the policy limits, for covered claims.

However, general liability insurance does not cover all risks, and business owners will need several types of insurance, based on what they do, such as workers’ comp or commercial auto and commercial property insurance, as well as professional liability insurance.

What is Professional Liability Insurance?

Professional liability insurance covers you should you make an error in performing professional services. If one of your clients or customers believes that an error you made led to a monetary loss, they can file a lawsuit against you for negligence, misrepresentation, or for giving advice that proved to be inaccurate. Whether the person filing the lawsuit is right or wrong, the cost of legal representation adds up fast, with some lawsuits continuing for many months or even years. Without professional liability insurance, you will face paying for your defense out of pocket.

Professional liability insurance does not cover bodily injury, property damage, or the losses associated with a cyber incursion. For these events, you need general liability insurance and cyber insurance.

Keep Your Company Safe with the Right Insurances.

Every company is unique, and the types of insurance needed vary. Your profession may require that you have professional liability insurance. Insurance companies, medical professionals, teachers, therapists, physical therapists, accountants, contractors, brokers, real estate agents, and attorneys should have professional liability insurance, which is often called “errors and omissions insurance.”

All human beings are prone to make mistakes on occasion, whether incorrect advice, a missed deadline, or an action that a customer or client claims led to financial losses. This insurance covers the cost of defending against the claim, or covers the cost of a judgment, up to the policy limits.

After dedicating years to learning your profession and building a business, the last thing you need is to lose everything due to failing to have the right insurance in place. Contact one of our local agents to review your current business insurance. We can help you find the best insurance for your business and your budget. We can help you find insurance for your business and your budget. We can find cost- affordable bundles. We are in business too, and we know the bottom-line matters.

How to Create a Home Inventory

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After a disaster, such as a fire, theft, or a storm, filing a personal insurance claim is a priority. Your insurance company will require you to present a full inventory of your lost or damaged items. A home inventory makes the insurance claims process far more efficient and faster. Any homeowner or renter should take the time to create an inventory of their possessions. The more thorough your inventory, the more likely your insurance company will provide you with the funds you need to get your life back on track. The process of creating a home inventory involves several hours but is well worth the time spent. To do so, use this checklist:

  • Start in one room in your home. For example, if you begin the process in the kitchen, use your cellphone to take images of your dishes, pots and pans, and all other items, including stove, fridge, appliances, etc. Make a list of all the items, and the value of each. Describe the items, where they were purchased, the cost, and the make and model of each. Find invoices if you can. For appliances, note down the serial numbers found on the item.
  • Move to the next room in your home and continue the process. In the living room, take images of your furniture, any valuable works of art and other items, make a written list of where the items were purchased and the cost, and find any existing invoices for the purchase.
  • Move to the bedrooms. For clothing and shoes, make a count of each type of garment, such as “15 shirts, 12 pairs of shoes, 5 pairs of boots,” etc. If you own expensive designerwear, ensure your list notes the purchase cost, where and when purchased, and the value of the garments. Take images of your bedroom furniture and other items, find invoices if possible, and list the value of each item.
  • Create a list of your jewelry, with images of each piece. Check the value of each piece online so your items are given the current value, which in many cases, is higher than when the piece was purchased.
  • Inventory your electronics. Make a list of all your electronic equipment, along with serial numbers, where purchased, and what you paid. TVs, gaming systems, laptops, phones, and all other electronics should be fully documented as these items are expensive to replace.
  • Value your sports equipment. If you own expensive sporting equipment, follow the same procedure, taking images or video, and listing each item by cost, where purchased, and other pertinent information.
  • Receipts. If you have not already done so, create a file of receipts. You can search for receipts online if you do not have hard copies. Make a digital and physical file and save receipts for all new purchases.

How to Store Your Home Inventory

After creating your inventory, you need to do all you can to protect it from being lost in a fire or storm. Purchase a fireproof safe for your most important family documents, including passports, birth certificates, jewelry, cash, and your home inventory. Create a digital file to ensure your inventory survives should the safe be lost or damaged in a disaster. Create a digital image of every page and all receipts so you have a backup copy.

Ensure your personal insurance policy reflects what it would actually cost to replace your possessions. These costs, in most cases, are far more than you think. Creating an inventory, although time-consuming, can help you and your family get back on the road to recovery. For assistance with personal insurance, our friendly local agents can help you choose the best personal insurance policy at the lowest rates and are here to help you when you need it most.

Insure the Ones You Love

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February is Insure Your Love Month. This is the seventh year of the Insure Your Love Campaign, coordinated by Life Happens. Buying life insurance to protect the ones you care about is an expression of love. Valentine’s Day falls in February, which makes it the perfect time to remind people of the need for proper life insurance planning to benefit their loved ones.

Why Is It Important to Have Life Insurance?

Life insurance provides a death benefit to your loved ones after your death. If your family is depending on your income, it can help protect them financially in case something unexpected should happen to you. Death benefits from a life insurance policy can replace lost income, help your loved ones pay off debts, cover future education costs, and pay for your funeral expenses. Permanent life insurance that accumulates cash value on a tax-deferred basis can play an important role in your long-term financial planning.

What Are the Different Types of Life Insurance?

Life insurance falls into two basic categories – term life insurance and permanent life insurance.

Term Life Insurance

This type of policy provides protection for a specific term or time period. Policy terms are usually 10, 20, or 30 years. This type of coverage may be the best option if you only need life insurance for a certain length of time, for example, until you pay off your mortgage or your children graduate from college. The main advantage of term life insurance is affordability. Other benefits include simplicity and flexibility. The two main decisions involved are how long you want the policy to last and how much coverage you want. You can choose a policy term for as little as one year or for up to 30 years or more.

Permanent Life Insurance

This type of life insurance policy provides protection that continues until your death, provided you continue to pay the premiums. It also accumulates cash value on a tax-deferred basis, similar to assets in retirement savings plans. You can access that money in the future for any purpose, such as college tuition, a down payment on a home, or retirement. Premiums are higher for permanent life insurance than for term life insurance policies, because of the additional benefits they provide. There are many different types of permanent life insurance.

What Are the Factors Affecting the Cost of Life Insurance?

Permanent life insurance is generally more expensive than term life insurance for the same amount of coverage. Other factors that affect the cost of life insurance include:

  • Age: The older you are, the more you will pay for life insurance.
  • Gender: Women generally pay less than men because they have a longer life expectancy.
  • BMI: Insurance companies use body mass index as an indicator of overall health in calculating the cost of life insurance.
  • Medical history: Healthier people are usually approved for lower rates because they have less risk of dying in the near future.
  • Smoking and tobacco use: If you smoke or vape, you will pay more for life insurance.

Other factors can play a role in the price of life insurance. Our agent can help you find the best available rates for the life insurance coverage you need.

3 Myths About Workers’ Compensation

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Workers’ compensation insurance is essential for any business with employees. Unfortunately, myths about workers’ compensation coverage abound. These misconceptions can have an impact on the overall success of your business. The following are some of the most common myths among business owners concerning workers’ compensation insurance:

My Business Is Small with Low Risk of Injury, So I Don’t Need Workers’ Compensation Insurance.

Regardless of the size of your business or the type of industry, you need workers’ comp insurance. It is required by law in many states, even if you only have a single employee. Workplace accidents and injuries can happen, even in a low-risk work environment. No matter how hard you work to create a safe workplace, you cannot control everything your workers do. For example, an office worker could trip over a temporary extension cord and fracture a wrist in the fall. It is wise to be covered, just in case. Even if you only hire independent contractors, a serious work-related injury could have a major impact on your business.

My Employees Are Like Family – They Would Never Sue Me.

Medical expenses for work-related injuries can amount up to many thousands of dollars. Employees seriously injured on the job may feel they have no choice but to seek compensation, no matter how fond they are of their employers. It can be a matter of survival for employees and their families, particularly when a worker suffers a serious, disabling injury. With a workers’ compensation policy in force, employees injured in workplace accidents will have their medical expenses related to the injury covered, plus reimbursement for a portion of their lost wages.

Workers’ Compensation Insurance Is Too Expensive. I’ll Just Pay Out of Pocket If One of My Employees Is Injured.

As previously mentioned, employers are required by law to carry workers’ compensation insurance in most states. In addition to the legal requirement, when you compare the cost of a lawsuit with the cost of a workers’ compensation policy, it makes sense to have the proper coverage. Damages in an injury lawsuit often include pain and suffering and emotional distress, in addition to medical expenses, lost wages, loss of earning capacity, and other out-of-pocket expenses. Workers’ comp is designed to protect employees who are injured on the job AND to protect employers from liability for work-related employee injuries.

What If My Business Is Seasonal?

If your business is seasonal, you need workers’ compensation coverage during the times when your business is in operation. Most insurance carriers will write seasonal policies, provided the open and closed periods are defined. For example, if your business is geared toward the Holidays and only operational in November and December, your workers’ comp policy would become effective at the beginning of November and would no longer be in effect after December 31.

A workers’ compensation policy is an important part of your business insurance package. Our agents can help ensure you have workers’ compensation insurance and other essential coverage for your business.