As we experience more extreme weather and floods increase across the country, the National Flood Insurance Program is poised to make a shift in how it prices its policies that is expected to have a drastic effect on premiums for many homeowners.

The NFIP's new premium-setting system, called Risk Rating 2.0, will change how the government-run insurer calculates premium rates to better reflect the risk of each individual household.

The new regimen, set to take effect in October…

I , like many other business owners, have been inspired by the challenge of Covid-19 to re-evaluate how I do business and refocus on what will truly add value for my clients.

As an Insurance Professional with 35+ years of experience, I am proud to be able to help people protect the things that matter most to them ; their homes, their cars, their businesses and most importantly, their families. To further my mission, I am aligning my agency into 3 “Pillars of Protection”  to better…

Since the Covid-19 health crisis hit our shores earlier this year, I've been busy "quoting" auto insurance in response to a significant increase in demand for that product. For an insurance agent, that's good news, especially in light of the challenges in many parts of our economy. The bad news, is that people are shopping strictly for price. The vast majority of people I’ve spoken to over the past 4 months are either unaware of the type and scale of coverage they really need or are simply…

As the world edges toward getting back to business, I thought about what a small business owner should be reviewing with their agent, if possible, prior to re-opening. Actually, anytime before you have a loss, is a good time to take a hard look at your Risk Management program. That means identifying and priortizing the risk's that your business faces each and every day and evaluating the potential effectiveness of your insurance program. 

As many have discovered, insurance does not…