Sackrison Insurance Agency

We are all familiar with the big insurance agencies, well-known thanks to their catchy commercials.

Give their 800 number a call and you are promised the best insurance prices on the planet!

Is that always the case?

Do the guaranteed low prices always give you what you are paying for?

Let’s take a look at Walter’s experience with one of the big guys versus his twin Wilbur’s experience with a local independent broker.

Walter retired from his job of 25 years and moved several states to the west, closer to his young grandkids. He bought a smaller home, a hybrid car and began a little side business restoring furniture.

Walter had no idea who to choose for insurance, so he called the 800 number that he was familiar with, thanks to evening news commercials. They got him set up with homeowners and auto insurance policies.

A sticky situation arose when an electric fire started in Walter’s garage.

Several expensive pieces of furniture he was restoring were ruined, along with many of Walter’s tools. His homeowners insurance covered the loss of Walter’s belongings and damage done to the garage, but it became a mess when his side business got involved.

He is still working with his insurance company, figuring out if he will receive any compensation for the burned furniture belonging to his customers. It had never entered his mind that he would need business insurance for such a small business.

Let’s visit Wilbur next.

Walter’s twin lives in the town they grew up in. He has always been a cabinet maker, doing as much business locally as possible. Alice, one of Wilbur’s loyal customers, is an insurance broker. Wilbur has gotten his insurance policies through Alice, ever since he custom-built her kitchen island.

Alice knows Wilbur and his family personally, taking it upon herself to find out the details she needs to make sure their insurance needs are met. She researches to find the best providers for each type of insurance they might need.

When Wilbur’s home was destroyed in a fire, Alice made sure they had a place to stay and wrote a personal check for some immediate needs the family had before the insurance coverage kicked in.

When Wilbur’s son became an honor student at his high school, Alice was able to get a discount for his auto insurance.

Wilbur installed a security system on his property and Alice got better rates for his homeowners insurance.

This is just one look at how big companies versus local brokers can vary in service.

​The big guys can be a perfect fit if you are savvy and know what you need. Local brokers don’t always take initiative as Alice does.

When it comes down to it, the search is up to you. Look for the provider who understands your needs, and someone you trust to protect you and your assets.

Give me a call if you are looking for loyal service.

We know life is unpredictable. That’s why we buy insurance anyway, right? Here are a few stories of especially unpredictable situations and how they were resolved. Names are changed for privacy, but the situations are based on true events.

Bill left for his daily visit to see his aging mother. Her health had been failing, so Bill tried to check in on her often.

As he turned onto a residential street, everything suddenly went black. That was the last thing he remembered until he woke up and realized he had run into a new Cadillac parked near a driveway.

Groggily, he took off, picking up momentum and passing out again as he smashed into a house, coming to a stop in someone’s living room.

Thankfully, Bill survived a series of strokes and was able to recover. His accident was deemed an Act of God because his strokes were completely out of Bill’s control. Therefore he was not held liable for the damages he caused.

The only thing Bill’s auto insurance covered was the damage to his own car and his medical costs.

Matilda was so proud of her latest purchase! She had researched for months before biting the bullet and buying her first car.

She parked it in her driveway underneath an ancient oak to keep it shaded from the hot, summer sun. That afternoon a storm began to brew. Matilda glanced out her front window and panicked as she saw a dark sky, flashes of lightning, and high winds.

​Racing out the door in an attempt to move her car out from under the tree, Matilda tripped on her front steps and took a hard fall, breaking her ankle in the process.

Matilda didn’t end up with any damage to her car, but she did have to take full advantage of her homeowners insurance to pay her medical bills and loss of income due to her injury.

Hank took his time driving home from a hectic day at his job site. The balmy, autumn day was perfect for a slow drive with windows down.

Hank took an especially scenic route that wound around a lake, fully enjoying his lazy drive when he suddenly had to slam on his brakes and swerve to avoid a speeding motorcycle that appeared out of nowhere. Unfortunately, he ran into a parked car as he swerved so sharply.

The good thing was, there were some witnesses to affirm his actions when he gave his statement to the authorities. The car Hank hit happened to be an uninsured vehicle that was parked in the road. Because he was avoiding imminent injury or death, Hank was not held responsible for the damage he caused to the uninsured vehicle.

Things don’t usually go the way we expect them to.

Make sure you are prepared for the unexpected. If you don’t have your own agent, I’d be happy to assist you. Give me a call!

Gary and Sue have a basic homeowners policy.

Severe storms caused a tree to crash near their house where the power line worked its magic, taking out their electricity.

They finally got their power restored, but it wasn’t until the following week that Sue discovered her deep freeze had malfunctioned, not turning back on after the power was restored, and causing her well-stocked food cache to completely spoil.

In this scenario, Gary and Sue had damage that was caused on their property by a covered peril, thus making it possible to use their homeowners insurance policy to step in and cover around $500 of their loss.

Any loss beyond that may not be covered, and they did have to pay a deductible to take advantage of that reimbursement.

Valerie lives in a nice home near the Bay Area.

After taking a short vacation to visit family in Utah, she returned home to discover the power company had shut down temporarily to prevent wildfires during a period of high winds.

Everything seemed in order when she returned from her trip, but the same thing happened to her freezer during the power outage. It had malfunctioned just like Sue’s, and she didn’t discover the damage until it was too late.

She called her insurance agent, only to find out that her homeowners policy would not cover damage caused by a power failure that did not originate on her property.

The power company refused to compensate for any losses, so Valerie was resigned to replacing her food stash as she could afford to.

Business owners insurance:

Businesses have the potential losses on a much higher scale, but insurance coverage works much the same way.

As a business owner, you can purchase business interruption insurance for times when your company shuts down due to an unforeseen crisis.

It’s a lifesaver when you need to continue paying your employees and drawing a salary after a catastrophe causes your business to halt temporarily.

But if your lights are out, and there’s no physical damage to your actual structure or machinery, you face paying your employees out-of-pocket.

Your best plan is to have a back-up power source for those times when you might face an extended power outage.

There are always variables, and each household and business is unique. You will want to discuss your coverage with an agent if you have any questions or concerns.

If you don’t have an agent or are looking to find one in the Bay Area, give me a call. I’m happy to help you with your insurance needs.

​Sheila finally has her dream business up and running. She jumped through all the legal hoops, got her tax ID number, found a domain name to create an online entity, and started up business accounts on the biggest social media websites. Her company is insured with all the basic commercial insurance coverages.

She thinks all of her bases are covered. Word of mouth has been creating new customers. Sharing and advertising on social media is spreading the news of her presence. Sheila is adding new employees regularly as her business increases.

Success is finally within her grasp.

You know I’m going to throw in a sob story that crushes dreams and crumbles the castle in the clouds? After all, this sounds too good to last and this is an article about insurance.

How about I spare you the sob story and introduce a hero who saves the day… before possible tragedy hits?

Sheila’s Uncle Keith stopped by her office to check out her successful endeavor. He is her favorite uncle, the businessman she’s looked up to since she was young and began dreaming this dream of hers.

Uncle Keith asked all the right questions and discovered that Sheila never purchased any commercial coverage beyond the basic requirements.

As it happens, Uncle Keith is the one with a sob story. He told it to Sheila, and she paid close attention to his advice.

Uncle Keith had an unfortunate event take place at his company the previous year.

One of his employees was running an errand for the company when she swerved to avoid hitting a cat. Tragically, she ran into a biker instead, causing extensive injuries that called for a lengthy hospital stay and great loss of income for the biker.

A lawsuit brought on multimillion-dollar expenses for Uncle Keith’s company. Thankfully, Uncle Keith had a commercial umbrella policy in place for his business.

That coverage took over where his basic coverage left off. Without that extra coverage, there would have been no way for him to pay for the extra expenses out of pocket, and his company would have gone under.

Uncle Keith’s story put a healthy fear into Sheila, so she took his advice and called her insurance agent to discuss how commercial umbrella insurance would work for her.

Does this resonate with you?

If you are a business owner, you realize the importance of having good coverage for your company. But do you really know how quickly things can go downhill?

With how litigation-happy people are, and with how quickly a catastrophic loss can take place, paying a little more for commercial umbrella coverage is a wise choice.

​This type of coverage is like an add-on coverage to your basic commercial insurance. It takes over where your basic liability coverage ends.

Ask your insurance agent about commercial umbrella insurance, and the many ways you can customize it to work for your company.

If you don’t have a local agent to hash things over with, give me a call.

The higher up you are in a company, the more risk you have of being sued. Fortunately, there’s coverage for that.

This is my fifth and final column in a series about employee-related business coverages. So, I don’t want to forget upper management. Officers in a company are employees too, and they deserve protection just like everyone else.

Why do companies purchase Directors and Officers (D&O) insurance?

It’s not just large companies and non-profits that buy D&O coverage. More and more, small and medium sized corporations are looking at purchasing D&O.

Senior management can be a target when something goes wrong in a company. As many business owners know, they and their management team can be sued personally as well as professionally.

Our legal system, and our neighbors, understand that there are times when it’s not OK to hide behind a corporate wall. You as a board member or an officer of the company have a personal duty of care.

If someone wants their pound of flesh because they were harmed by a business, they may want some additional ounces from the actual persons behind the corporate name.

When a person sues the company, there is liability insurance. When they sue you as an officer of the company... there’s D&O.

What’s covered and not covered by D&O?

Directors and officers insurance doesn’t cover fraud and criminal acts. It also doesn’t cover personal profiting from shady dealings.

In short, D&O isn’t a get-out-of-jail-free card for bad character.

However, beyond these and some other common-sense exclusions, D&O offers broad protection when directors and officers are sued for not meeting their duty of care.

Carl and the caustic chemicals

Carl was senior Vice President of operations at Acme Manufacturing. He had a reputation for putting health and safety first in the workplace.

He had started at the bottom over 30 years ago, and now he was an officer and board member at Acme. But he never forgot how dangerous the work could be. He made sure employee safety came first.

Carl had to sign off on many decisions each month at the plant. He did this as carefully as he could.

One of those decisions was to sign off on a switch to a new chemical used in the manufacturing process.

He signed off without doing his usual personal research on the chemical. He was pressed for time, and after all, that’s what his managers were supposed to do. They researched it and promised him it was safe.

But the new chemical wasn’t safe. It was more caustic than the previous chemical they had used.

New equipment and new protective gear should have been used. It wasn’t. By the time everyone realized that, it was too late.

People got sick. Very sick.

The company was sued. And so was Carl. He was personally named in the lawsuit. Employees were angry. Of all people, they should have been able to trust Carl to keep them safe.

Carl made a mistake. A mistake anyone could have made. But because of his position in the company, he had an extra duty of care. His was the final desk on which these decisions were made.

Carl needed an attorney. He also needed insurance to settle the large claim against him personally. Carl needed D&O insurance.

My advice:

Don’t assume the corporate wall will always protect you. If you are an officer or board member of a corporation, large or small, consider D&O coverage.

As always, if you don’t have a local insurance agent, please feel free to contact me with any questions.

Your employee walked out. They quit.

Then you get a letter from their lawyer. What now?

If you had EPLI (Employment Practices Liability Insurance) you might be OK. Let’s find out why.

What is EPLI?

Employment Practices Liability Insurance sounds complicated. The name has lots of words and syllables. So, it must be complicated, right?

Nope.

EPLI is simple.

Employment Practices Liability Insurance covers your legal expenses when an employee sues you for work-related actions.

If you win, your lawyer gets paid by the insurance company (minus your deductible).

If you settle or lose, your lawyer still gets paid by the insurance company, and damages are also paid by your policy.

EPLI makes sure employee lawsuits don’t bankrupt you.

How important is EPLI?

According to a well-known study by Hiscox in 2017, if you have 10 or more employees, your chances of having an employment-based lawsuit is 10%.

What happens if you are in the unlucky 10 percent?

You will have a 24 percent chance of having to settle or go to court. The average national payout is $160,000. And that’s just the average. Many claims are much higher.

If that doesn’t chill you, I’ll add one more number.

California employers have a 46 percent higher chance of being sued by an employee. So, take the previous numbers and do the painful math.

Every employer needs Employment Practices Liability Insurance.

EPLI: What’s not covered?

It’s important to know what’s NOT covered by Employment Practices Liability Insurance.

First, wage and hour claims are not covered. And that’s a big one, so it’s good to know in advance that if your employees file a class action suit against you, claiming you didn’t abide by the law in your wage and hours practices, you are on your own.

Second, intentional acts are not covered. This means that if there is clear evidence that you intentionally set out to discriminate against an employee, you may not be covered. My advice to prevent against this: always do the right thing with your employees, to the best of your ability.

EPLI: What’s covered?

The good news is that so much is covered by EPLI. Here is just a short list:

• Harassment
• Discrimination
• Wrongful termination
• Failure to employ or promote
• Wrongful infliction of emotional distress

I listed harassment first on purpose. Almost half of employment-related charges are made because of harassment. Let’s take a look at how that could happen.

Rude Rudy and the frivolous claim

Rudy was an unpleasant surprise. His resume never mentioned that he was a serial harasser.

As careful as his employer was during the interview, he missed the “this guy is a jerk” signals.

After several moves from cubicle pod to cubicle pod to find someone who Rudy wouldn’t harass, his last stop was Janet’s pod.

Janet filed a formal grievance after being harassed. Others had filed complaints as well. This was the last straw. Rude Rudy was fired.

Six months later, Janet applied for a promotion. She didn’t get it. She stewed and wondered why, and then decided it was because she had filed a complaint against Rudy months ago.

Janet sued for harassment, emotional distress, and retaliation against her for complaining.

It didn’t matter that others had also filed complaints against Rudy. It didn’t matter that Rudy’s employer had fired Rudy for his behavior.

Janet had what some might call a frivolous lawsuit. But it wasn’t frivolous to her. The suit needed defending. It might need to be settled. There was a risk that this could get expensive.

My advice:

Never say never. This scenario could happen to you too.

Check your Employment Practices Liability Insurance with your agent today. Make sure you have high enough levels of coverage.

As always, if you don’t have a local trusted agent, please contact me with any questions.

If you have employees, keep reading to see if you need key person insurance.

This coverage is also known as key-man insurance. It’s not required, and often it’s not necessary. But when it is needed, it could save your business from bankruptcy.

What is key person insurance?

When we say “key person insurance” we are usually referring to a life insurance policy on a key employee. However, it can also refer to a disability policy.

In this column, I’ll talk about life insurance.

Key person insurance protects a business from financial loss in the event of the death of an employee who is critical to the economic survival of the company.

It’s probably best to explain it with a story.

“Alligator Al”

Our fictional character this week is truly unique. Alligator Al wrestled alligators for a living. And he wrestled them with flair and comedy. He performed at Reptile Heaven; a well-known tourist stop.

Even though tourists strolled through the rest of the zoo to look at all of the exotic reptiles, it was Alligator Al’s show that brought them in. He was the main attraction.

But Al liked to take big risks. One day, Al bit off more than he could chew. And the alligator responded by also taking a big bite. It was grizzly, so I’ll spare you the details. But sadly, Al died.

After an appropriate time of grieving, business owner Bob was faced with a stark reality; he had to find another alligator wrestler. And it couldn’t just be any old alligator wrestler; it had to be one as exciting as Alligator Al. It was going to take a year or longer to find Al’s replacement.

Al was a key employee, and Bob had not made plans in case of Al’s death.

Business owner Bob went out of business before he found a new alligator wrestler.

What can we learn from this?

First, don’t wrestle alligators. It’s really dangerous (and probably uninsurable, but that’s another discussion).

Second, think about your business. Pause, and take a moment right now to think about your employees. Is there one person who is almost irreplaceable? Of course, everyone can be replaced... eventually.

But what’s the time factor in replacing say, a superstar salesperson who has the hearts of long-time customers?

If she or he dies, how many customers will drift away while you take months to find the right person to replace them? What is the impact to your small business in those months?

Can you survive it?

How does key person life insurance work?

The simple explanation: the company takes out a life insurance policy on a key employee.

The company owns the policy, and pays the premiums, usually with after-tax dollars. Then, the company is the beneficiary if the employee dies.

The company has what we call “an insurable interest” in the key employee. They are protecting a valuable asset, without which, they would suffer some financial loss.

My thoughts:

You may need this coverage and not have it.

According to a survey by the National Association of Insurance Commissioners, more than 70 percent of businesses said that their success was linked to one or two key employees.

But only 22 percent had key person life insurance on those employees.

If you have employees, call your local business insurance agent, and discuss key person life insurance.

If you don’t have a trusted agent, I’m happy to answer any questions you have. Call or email me today.

Your employees are the most honest people in the world. Until one day... one of them isn’t. Your heart is broken.

But what about your insurance?

Today, as part of the series I began two weeks ago, I’d like to explore another part of business insurance that’s often neglected: employee theft coverage.

The parable of the naughty employee
Nelson the Naughty Employee was background checked. He passed with flying colors.

Unfortunately, Nelson had gone by other names in the past. This “new and improved” Nelson was a recent invention. The background check didn’t catch his true history of fraud in another state, under another name.

The new and improved Nelson may have been new... but he was not improved.

The old temptations caught up with Nelson. He was experienced, so it took two years before he was finally get caught.

He had crafted an elaborate scheme that stole more than $100,000 from the company’s customers. Eventually, like most evil schemes, his house of cards fell.

Naughty Nelson was fired, arrested, and plead guilty in exchange for a reduced sentence.

Meanwhile, his employer was on the hook for all of it. Those harmed, the customers, came after his employer aggressively. And who could blame them?

What is employee dishonesty coverage?
Employee dishonesty coverage protects a business when they suffer a monetary loss caused by fraud or theft by an employee (or employees) of either the employer’s property or money, or the property or money of a third-party (like a customer or vendor).

Short version: if your employee steals from you or a third party, this protects the company.

The coverage can go by several names, including employee theft coverage. And there are other coverages that can be bundled with it or sold separately. Two of those other coverages are computer fraud, and funds transfer fraud.

Whatever it’s called, and whether it’s bundled in your commercial insurance policy automatically or not, in many cases, the default coverage levels are not enough.

The typical employee theft insurance claim is over $100,000, yet the default coverage limit is often far less than that.

Why do you need employee dishonesty coverage?
Employee theft is on the rise. A survey conducted in 2017 by the Association of Certified Fraud Examiners found that 75 percent of employees in the U.S. admitted to stealing at least once from their employer. Maybe that’s mostly pencils and pens. Maybe even an occasional three-ring binder.

But often it’s much more.

That same study found that more than $50 billion a year is stolen from employers by their employees. That’s a lot of pens and pencils and three-ring binders.

Employee theft is not unusual. It’s not something that happens only to other businesses. It can happen to anyone with employees. It’s often just a matter of time.

What you should know about employee dishonesty coverage
Like a lot of commercial coverages, you need an experienced professional to walk through this with you. There are unique “ins and outs” of this coverage, including obligations you have.

One of those obligations is critically important to remember:

If you discover that an employee is guilty of theft or fraud, and you don’t immediately report it, or begin an official (and documented) investigation... any theft after discovery will not be covered.

In simple words... there is no coverage after discovery if you delay.

My advice
Many, maybe most, business owners do not have high enough limits for employee theft. They may even be risking bankruptcy if the theft or fraud goes on long enough (an average length of time before large theft is caught is 18 months).

​Call an experienced business insurance agent to review your coverage. As always, contact me if you do not currently have a local business insurance agent.

If you are a business owner, workers’ compensation is a boring subject, at least until an employee is injured. Then, it’s the most important subject in the world.

What is workers’ compensation insurance?

Workers’ compensation is a no-fault insurance plan that covers lost wages and medical costs incurred by a California employee if they become injured or ill because of the job.

The purpose is to limit lawsuits against employers because of work-related injuries or illness, and to protect employees from the risk of uncovered expenses.

Who is required to have workers’ compensation in California?

Short answer: every business that has at least one employee, even if they are temporary or part-time.

The longer answer is that there are exceptions to this. For instance, if you are a sole proprietor, you are not required to carry workers’ compensation.

Also, some executives and directors of companies (if they are the sole owners) can choose to be exempt from coverage.

Finally, non-working LLC members can exclude themselves from coverage.

In each of these exceptions, coverage may still be selected, and it’s a good idea to consult with an experienced insurance agent to discuss advantages and disadvantages of that choice.

Finally, not carrying workers’ compensation insurance when you are required to do so is a crime.

It’s not as bad as robbing a bank; it’s a misdemeanor. But it’s still a big deal, and you shouldn’t risk it.

Things you should know about workers’ compensation in California.

Workers’ compensation is overseen by the State of California. Administration of the plan is handled by an insurance company. Rates are affected by risk categories, age of the company, and claims history.

A surprise to many people: there are two parts of the workers’ compensation plan.

Part 1 (or Part A) of the plan is the coverage we always think of.

It’s the part that offers unlimited coverage (in theory) to the injured employee, without determination of fault.

Here’s how Part 1 works:

An employee is a bit careless and cuts his finger on the job. He goes to the emergency room, gets it stitched, and is back to work the next day.

The boss hands him Workers’ compensation claim forms to complete, and the bill is covered by workers’ compensation insurance. Easy.

Part 2 (or Part B) of workers’ compensation insurance is for the rare times it’s not so “cut and dry.” (Pun intended).

It’s called Employer Liability Coverage. It’s meant for the instances where you as an employer can be held liable apart from workers’ compensation.

In fact, there are several situations where you can be held liable apart from workers’ compensation.

These are sometimes called the exceptions to the exclusive remedy rule. (Disclaimer: I am neither an attorney, nor the son of an attorney, and this is not legal advice.)

Simply put: you can be caught short if you don’t have enough Employer Liability Coverage.

Here’s an example:

Carl the Craftsman was as good as they come. He knew how to make excellent custom furniture, and he knew how to handle a table saw safely. He was one of the best employees in the company.

One day, Carl was cutting a piece of wood, and the saw malfunctioned. Carl ended up in the emergency room, and then surgery. Sadly, he lost most of his hand. He was no longer able to be a craftsman.

It was evident that the saw had malfunctioned. Carl collected benefits from workers’ compensation.

But he also sued the manufacturer of the table saw. The manufacturer turned around and sued Carl’s employer for not properly maintaining the saw, hence, contributing to the injury through negligence.

Carl’s employer faced huge financial liability that could only be covered by Employer Liability Coverage.

Do you have enough Part 2 coverage?

Even though Employer Liability Coverage is part of the workers’ compensation insurance policy, it has limits.

Do you know what your limits are? Are they enough? Most employers have only the minimum.

I recommend talking with an experienced business insurance agent to review your workers’ compensation insurance.

As always, if you don’t have an experienced agent who can help with this, feel free to call me.

Sometimes, the simplest things get overlooked when we think about insurance. I’ll talk about a couple of them today.

There are two basic auto insurance coverages that almost everyone has, yet few give any thought to.

Larry’s Lousy Day and Low Liability

Larry was always switching insurance policies. He loved the lizard that told him 15 minutes could save him... oh, he forgets the rest of it. He just loves shopping for the cheapest policy.

Price was everything, so Larry always got the cheapest quote, which included the state -mandated minimum liability limits. He assumed that since the state required it, it would be enough.

Wrong. Oh, how very wrong he painfully discovered.

One day, as Larry was driving, he had the top down on his convertible, and the tunes cranked up on the radio. He remembers the song was “California Dreamin.’”

That’s about all he remembers. He must have been dreaming when he rear-ended that car at the green light that hadn’t started moving yet.

It was a frightening crash.

The other driver ended up in the hospital for weeks, and sued for damages, including pain and suffering. The jury was not allowed to hear if there was insurance coverage, but to simply rule on the merits of the case. So, how much was the other driver entitled to?

The sympathetic jury awarded the other driver $500,000. Half a million dollars.

Larry’s state-mandated minimum liability coverage was $30,000. Yes. That’s all the state of California required.

After liquidating his considerable assets, Larry still owed $150,000, which would be paid to the other driver by way of a garnished paycheck for years to come.

Larry lost everything. All for a cheap premium and low liability coverage.

Ursula’s Unusual Uninsured/Underinsured Motorist Coverage

Ursula was always careful. Unlike Larry, she always prepared for the “what-ifs” of life. One evening, she and her friends were driving to dinner.

As they drove through an intersection on a green light, they were struck broadside by a drunk driver.

Everyone was injured. Some badly.

After the paperwork dust settled, Ursula realized that the drunk driver did not have insurance. He was similar to over 25 percent of California drivers... uninsured.

Fortunately, Ursula had reviewed her insurance coverage with her local agent just a few months before and decided to raise her limits on Uninsured Motorist Coverage (UMC) and Underinsured Motorist Coverage (UIM).

These coverages, as her agent explained, covered bodily injury for her and her passengers if the other driver didn’t have coverage (or not enough coverage).

The injuries took weeks to heal, and the costs were high. But her coverage took care of almost all of it. Her passengers, who were also her friends, were glad she had planned ahead.

My advice

Don’t let price be the first consideration when shopping for insurance. Instead, meet with a trusted local agent to help you consider coverage needs.

Then remember: the coverage you’ll wish you had if there is an accident tomorrow, is the coverage you should purchase today.

As always, if you don’t have a local insurance agent, please feel free to contact me for advice.