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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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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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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Your boat is an investment that gives you tons of fun all summer long. But come the cold weather months, you want to make sure it’s properly winterized before you store it, so it’s protected from weather and other...

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If you’re opening a branch of your company in another state, congratulations! That means your business is thriving. Here are four important considerations to mull over as you expand. What Does Commercial Property Cost?...

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The majority of consumers are blissfully unaware of new and emerging cybercrime trends. - BY ANNEMARIE MCPHERSON SPEARS Sponsored by If you've never heard of juice jacking, QR code scams, or formjacking, you're not...

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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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Owning rental properties is a fantastic investment and a great source of regular income. You can safeguard your profit margins by reducing insurance claims for damages and liabilities. Use this checklist to make sure...

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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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Artificial intelligence has been taking the business world by storm lately, especially with the recent releases of new AI software. Would using AI be a good decision for your business? Let’s look at the pros and cons....

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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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- Each year, OSHA compiles a list of the 10 most cited standard violations from the previous fiscal year. The 2022 report shows some slight changes from 2021. Hazard Communication moved to the No. 2 spot, and OSHA added...

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Smart businesses have a plan in place to get up and running and protect their data if the worst happens. Here’s how to build a business continuity plan in case your company needs to deal with a catastrophe. Assess Your...

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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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Owning rental properties is a fantastic investment and a great source of regular income. You can safeguard your profit margins by reducing insurance claims for damages and liabilities. Use this checklist to help avoid...

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Thanks to an unusual convergence of market trends, ushered in by the pandemic and followed by other disruptive events, you may see a bigger change to the cost of your home and auto insurance than usual when it comes...

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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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Fires are not created equal. That’s why not all fire extinguishers are the same-and why it’s important for employees to know which type is needed for any fire that flares up in your workplace. What Are the Classes of...

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Through the spring, summer and fall, thunderstorms pose a frequent danger in many parts of the country. While thunder and lightning are common during thunderstorms, other by-products of those storms can be hail or...

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If you’re hiring someone who will be doing a lot of driving for your business, you want to find someone who will maintain a stellar safety record. Avoiding accidents is essential, as it may reduce your risk of liability...

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With a fatality rate that is 112% higher than the rate for general construction, excavation is among the most hazardous construction operations you can undertake this spring. Cave-ins pose the greatest risk, with other...

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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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Small businesses today face many of the same challenges that larger ones do, and they're vulnerable to many of the same risks as well. One increasing danger for small businesses is cyber liability, because they're...

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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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With increasing energy costs, businesses are always on the lookout for ways to save money. Did you know that you can cut heating and cooling expenses by strategically landscaping your commercial property? Here are four...

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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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Commercial auto insurance is a must if you or your employees use vehicles for work. While this costs money upfront, it can save you in the long run. Just one bad accident without sufficient coverage can expose your...

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It’s an unfortunate fact that life expectancy in the US has dropped recently. This has led many people to examine whether or not they should have a life insurance policy and, if so, how much coverage they should have....

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These tips can help your family stay safe. - - Be careful not to underestimate the danger of driving in winter weather. These tips can help your family stay safe. Tweet It - Go slow, accelerate slowly and don't use...

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If you’re starting up or buying a new business, it’s vital to have the right insurance coverage to protect your investment and your employees’ livelihoods. But it can be confusing shopping for multiple business...

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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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Whether you’re an accountant or a designer, your greatest assets are your people and your ideas. Technology has made it easier to create, collaborate and deliver your services to customers both around the corner and...

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As the owner or property manager of a commercial building, your fire safety protocols can mean the difference between life and death. Here’s a checklist to help you ensure your commercial property stays safe for...

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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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If you own or manage a commercial property, you may be able to reduce headaches, expenses, and safety issues by properly maintaining the structure and grounds. Here’s a commercial property maintenance checklist to get...

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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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Cleaning your gutters can help protect your house from damage. Steps you take this fall to maintain your home can keep you warm this winter and protect your property from loss. As you take advantage of fall weather to...

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If your team has been working remotely for the last few years due to the pandemic, you may be returning to the office now that the situation has changed. To help your group adjust, here are five expert tips. Start With...

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October is a month dedicated to a subject that, if ignored, can be far scarier than any trick-or-treater knocking on the door-cybersecurity. Improving your defenses against cyberattacks doesn’t have to be daunting....

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Drivers and riders who participate in ride-share alternatives to taxi services may be subject to significant insurance gaps. If you participate in ride-share services as a driver or if you use these increasingly popular...

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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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If you own a business, no matter what size it is, you most likely need business insurance. However, just because you have commercial insurance doesn’t mean you always have the right protection. Here are four of the most...

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If you’re looking around for home or auto insurance, you may find the process confusing, especially if you’re new to buying coverage and aren’t familiar with the terminology. Here are five essential things you should...

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Many startups and small businesses often forgo business insurance to save money. However, this can backfire and actually cost you more in the long run - without the protection business insurance affords. Here’s why...

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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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If you’re confused by all the different types of insurance available today, you're not alone. Learn the difference between landlord insurance and renters insurance so you can get the coverage that’s right for you. What...

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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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weetThe number of craft breweries has exploded in recent years, accounting for about 24% of the U.S. beer market. And with that growth, the industry has seen a rise in injuries. Many breweries start as a hobby, in a...

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Smart business owners have business insurance, no matter how big or small their company is. But do you have all the coverage you need? Here are five places where business owners often find themselves lacking in...

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weet Every year, OSHA compiles a list of the 10 most-cited standard violations from the previous fiscal year. The list was recently revealed during a virtual presentation with Safety + Health magazine, where Patrick...

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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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Beat the Heat With These Safety Tips - Share Like Tweet Summer is a great time for outdoor work, but it can be a challenging-sometimes even life-threatening-time for contractors. Excessive heat, high humidity and sun...

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If you own a rental property, it’s no doubt a source of income for you. Therefore, you want to protect your property with the right insurance coverage. Read on to learn why you likely need rental property insurance,...

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Your first instinct after a car accident may be to call for help. Do you have a plan for what comes next? Being proactive in your response can help keep you, your passengers and your property safe while simplifying the...

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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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Whether you have one company car or an entire fleet of vans, you want to make sure you’re taking the right safety steps. Follow these tips to reduce accidents, keep employees safe, and protect your business vehicles. ...

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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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No matter what size office your business occupies these days, it seems like energy costs are going up, up, up. Here are some tips on how you can save money and help the environment. Perform Regular Maintenance Checks on...

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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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We are pleased to announce that we have been named a Sapphire Agency by Auto-Owners Insurance Company for 2021. We look forward to a long and rewarding relationship with a great company! Thank you!

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Your business depends on your drivers and the decisions they make on the road. Make sure you’re hiring safe drivers with this free driver qualification checklist from EMC Insurance Companies https://bit.ly/2VNy3lt #...

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If you own a small business, especially if you work alone, you may think you don’t need business insurance. But actually, without this protection, you could be opening yourself up to a world of liabilities. Here’s what...

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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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The remote work model of the last few years is shaping up to be the wave of the future. Follow these tips to support your remote employees, whether it’s for a few months as needed or as a permanent new business model. ...

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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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Work consumes a huge chunk of most people’s lives. As such, a healthy and positive work environment is vital for employee mental health and business success. Luckily, more companies are now bringing mental health to the...

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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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As your business grows, so do its associated risks. Whether you are offering new products, increasing your headcount, expanding your operational structure, or shifting to a new location, all these moves come with...

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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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As a business owner and employer, it is your moral and legal obligation to keep your employees safe and healthy at all times. Despite your intentional efforts to keep their work environment as safe as possible,...

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- Work at home can still carry stress. Change can add stress to any family routine, but change amid a pandemic can bring stress to a whole new level. Make sure you recognize signs of increased tension and address it...

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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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Roof Maintenance FAQ - Bernie Roma, EMC Senior Loss Control Representative, answers the questions he most frequently hears about roof maintenance. If you have a program, you may have already completed some of these...

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Businesses are exposed to many different types of risks. A single, unfortunate incident or lawsuit can cause your business to crash before it can even get off the ground. Luckily, there is a wide range of business...

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The consultants at the National Safety Council have identified seven common safety hazards. How many are in your workplace-and what can you do about it? https://bit.ly/2YUlYXM - - National Safety Council consultants...

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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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Test your knowledge with this pictogram chart: https://bit.ly/3izZRmy There's a secret weapon in the chemical safety industry: Pictograms. While the use of pictograms on labels was adopted by OSHA in 2015, the uptake of...

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

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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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In today’s digital world, slander and libel lawsuits are more common than you may think. Comments made in haste or anger on social media can have lasting and far-reaching effects on a person’s reputation or character,...

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- Protect all the personal and business data that may flow through your home network. Even as many companies reopen offices to employees, surveys show remote work is likely here to stay, at least part of the time. It’s...

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Every year across the country, deer-vehicle accidents account for billions of dollars in vehicle damage, thousands of injuries and hundreds of fatalities. These tips can help you avoid a collision with a deer and stay...

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Job seekers, beware of scammers out to defraud victims at your most vulnerable. Watch for some common warning signs that a job posting may be a scam: If you see a job posting that seems too good to be true, ask...

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k - eetAll fires are not created equal. That’s why not all fire extinguishers are the same-and why it’s important for employees to know which type is needed for any fire that flares up in your workplace. What Are the...

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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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Taxpayers, beware of fraudsters out to trick you for your information. Tax return identity theft has reached such epidemic proportions that it tops the list of the IRS’s Dirty Dozen Tax Scams. Here are tips the IRS...

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Good morning and Happy Friday. With the continued freezing weather in our area, I wanted to share a policy provision that is in your property policy. If you have any vacant buildings please make sure to have the heat on...

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I don’t know about you, but I have noticed many more people out and about as the coronavirus pandemic lingers. In my neighborhood, people are jogging, pushing baby carriages, chasing toddlers, walking dogs and riding...

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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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How to Troubleshoot Why Your Car Won't Start in the Cold Read Time: 3 minutes Ugh! Car problems. Add in cold weather and you’ve got yourself a rough day. But, it’s nothing you can’t handle! Check out these expert tips...

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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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By Diane Roller - You are in your house. Suddenly you see water rushing out of the dishwasher. You need to shut off the water quickly to stop the flow and prevent damage. Would you know where to find the main water...

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Keep your home and family safe and warm by preparing for winter weather. As temperatures drop and winter takes hold in many parts of the country, now is a good time to prepare for the winter chill and to be reminded of...

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The Dangers of Driving While Drowsyh - et We all know drowsy driving is dangerous, but just how dangerous is it? According to the National Safety Council: The National Highway Traffic Safety Administration (NHTSA),...

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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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Life moves fast. You need life insurance that can keep up: Workplace Term Life Insurance It’s the cost-effective life insurance coverage you need. Workplace Term Life (WTL) is designed to provide life insurance for a...

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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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Winter is rough on roofs. Make sure you’re ready with an inspection:Winter is a rough time for the roofs of your municipal facilities. Harsh winds, the stress of freeze-thaw cycles and the weight of snow and ice can all...

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Taking a closer look at an applicant’s MVR is one way to ensure you hire safe drivers. Here are four more:A Guide for Hiring Safe Drivers - As the United States truck driver shortage intensifies, it’s important for...

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When used correctly, prescription medication is an essential part of a benefits package. But opioid medications increase the risk of injuries:The National Safety Council reported in January that, for the first time on...

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Many businesses-especially small businesses-depend on a few key people for their success. Protect your business with key person life insurance:Many businesses-especially small businesses with fewer employees-depend on a...

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More than 65,000 cases of on-the-job head injuries resulted in days away from work:Hard hats are required in many professions to protect workers’ heads. Supervisors and managers must examine these hats to make sure they...

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We’re not quite sure where summer went, but if you haven’t noticed, 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...

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We are proud to announce that our own Brad Julian was named as one of the Ones to Watch 2020 by Celebrate Arkansas Magazine. Congragulations Brad! Check out the link to read more.http://digitaleditions....

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Take a screen break! Staring at screens all day can lead to eyestrain and vision problems. Here are 5 steps to prevent eyestrain:Whether it’s a work computer, a home laptop or our ever-present smartphones, chances are...

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Many daytime driving dangers are still present-and often more dangerous-after dark. Here are 4 surprising nighttime hazards to watch out for:Driving at night can be challenging, and many drivers don’t realize they must...

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Know your hurricane risks and how to prepare: Know your Hurricane Risk - Hurricanes are not just a coastal problem. Find out how rain, wind, water could happen where you live so you can start preparing now. Be sure to...

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Pacing yourself is one way to prevent back injuries. Check out this article for more ways employers and workers can prevent injuries: Lifting objects or manually handling materials puts workers at risk for back injuries....

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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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Water damage can be disastrous to your home. Imagine discovering that your entire basement is filled with brown water and sewage from a backed-up water main or other pipe. It’s not only disgusting and potentially...

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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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Strategies to protect yourself from cyber security risks - By Don Culpepper Just about everything you do today carries a cyber security risk: networking on social platforms, working from home in the COVID-19 era, video...

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Congratulations! After weeks of research, comparing makes and models, and taking test drives you finally bought that brand-new car you wanted. But before you take that well-deserved road trip, check one more item off...

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OSHA updates guidance on COVID-19 illness in workplace - By Steve Metzger and Patrick Marcotte As the COVID-19 pandemic expands, employers are coping with their obligation to maintain a safe work environment and to...

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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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Do you have adequate homeowner insurance coverage? - By Laura Lewis When you think of purchasing insurance, you may feel the most important factor is how much money you can save. We are all inundated with ads pushing a...

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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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