If you run a business using 1099 subcontractors, it’s easy to assume you’ve avoided some of the insurance responsibilities that come with having employees—especially workers’ compensation. We hear it all the time: “I don’t have employees…just subcontractors.” However, when it…
Spring is a natural time to reset—clean out closets, tackle home projects, and get organized. But there’s one thing many homeowners forget to “spring clean”: their insurance. With home insurance costs rising and coverage changing, a quick annual review can…
If your home is owned by a trust, your homeowners insurance policy should reflect that ownership correctly. This is one of the most common details we see overlooked when it comes to homeowners insurance trust ownership. Placing your home into…
March is National Umbrella Month, which makes it the perfect time to talk about one of the most overlooked — but incredibly important — coverages for families: an umbrella insurance policy. Most people assume their home and auto insurance policies…
Working from home. Selling handmade goods online. Consulting clients over Zoom. Teaching lessons out of your home. If this sounds like you, you’re part of a growing group of home-based business owners across the United States — but many of…
January is Teen Driving Awareness Month, making it the perfect time for parents to pause, reflect, and talk with their teens about safe driving habits. As an independent insurance agent—I’ve had many conversations with families looking for teen driving safety…
When winter temperatures drop in Southwest Missouri, space heaters can feel like a lifesaver. They’re convenient, affordable, and great for warming up chilly rooms—but they also come with serious risks if not used properly. As your local insurance advisor, we…
As we approach the end of the year, it’s a natural time to reflect on the past months and plan for what’s ahead. The holiday season — combined with the open enrollment period — makes this the perfect moment for…
The holiday season — from Thanksgiving gatherings to Christmas celebrations — is one of the busiest times of year for Missouri families. With more travel, more events, and more cold-weather risks, it’s also a time when insurance coverage and preventive…
October is Cybersecurity Awareness Month, and it’s a timely reminder that even Main Street businesses — from local contractors and retailers to service providers and professional offices — are now frequent targets for cybercrime. You don’t have to be a…
