From the monthly archives: May 2012

We are pleased to present below all posts archived in 'May 2012'. If you still can't find what you are looking for, try using the search box.

5/30/2012 1:59 AM

The Importance of Having an Insurance Agent

Whether it’s driving to work, picking up the kids, or meeting up with friends, everybody is engulfed in their daily routines and activities.  Most people don’t think about what could be lurking around the corner and how life can change in an instant.

Maggie’s touching story reiterates how unpredictable life can be and how your insurance agent can help guide you when the unexpected occurs. People like Maggie are the reason why we do what we do every day.

Maggie’s Story


5/23/2012 12:42 AM

The Pitfalls of Telecommuting

With ever-changing technology mixed in with the era of high gas prices, a new world of work has been created..telecommuting.  More and more employees seek to take advantage of the benefits of telecommuting, but it has become a prime hotspot for most employers. Federal and state labor laws apply to telecommuting employees just as they would if they were working on site.      Here are just a few legal issues employers face and how they can handle them:  Wage and Hour Requirements-To qualify as a telecommuter, an employee must receive pay for work done off site.  Work schedules must be monitored and recorded as if the employee was clocking in and out, same as their onsite counterparts.  Safety-OSHA doesn’t have any regulations governing telework in home offices, but they will conduct inspections of other home-based work sites, such as “home manufacturing operations” if they receive a complaint.  Workers Compensation-Injuries at th ...

Read More

5/15/2012 12:59 AM

Talking To Your Teens About Safe Driving

Summer is just around the corner and this is the time of year where everybody should be more cautious on the road, especially young drivers.  The months between graduation and summer vacation are the most deadliest for teenage drivers. For many, it will be their first taste of freedom as they become new license holders.  For parents, it can be the most nerve wrecking, but they are also the key in helping lower the risk of accidents among youth. Many parents believe that drunk driving is the number one cause of teenage accidents when in reality it is not.  Risky driving behaviors such as texting, speeding, rowdy passengers, and talking on the phone play a major role in youth accidents. Parents are encouraged to talk to their children about the dangers of risky driving behavior before they are old enough to get behind the wheel.  According to the Insurance Institute for Highway Safety, August, July, May and June are the four deadliest months for youth crash deaths. Parents’ involve ...

Read More

5/9/2012 2:23 AM

The Good, The Bad, and The Not-So-Pretty Factors in The Cost of Car Insurance

To some folks shopping for car insurance is ranked up there with waiting in line at the DMV.  With all the different rates and options most people wonder how insurance companies come up with the cost of car insurance premiums. Here are some factors companies use to determine car insurance rates and hopefully,  help take out the confusion from the decisions made by the man behind the curtain.  Age: Those young whipper-snappers have it tough!  Insurance companies have a dim view on young drivers between the ages of 18-20, where rates are most likely to shoot up.  The average 18 year old can pay almost twice what an adult pays!  Location:  If you have to dress your car with a bumper guard you probably live in a congested area.  Insurance companies know that the more congested the area you live; the more likely you are to get into an accident.  Companies take into account the crime rate, traffic, and what kind of lia ...

Read More