Ways To Keep The Family Happy and Healthy This Holiday Season

Holiday foods to avoid feeding to your pets

Holidays can often times lead to a full house. Make sure your pets are staying safe in the hustle and bustle of the season by keeping these foods out of reach. Certain foods that are good for humans can be dangerous and even toxic to pets – leading to a variety of health problems. Protect your dog or cat by not letting them get their paws on these dangerous foods.   Print out this handy graphic to hang on your fridge as a reminder of what foods are toxic to our beloved animals. Find more here

Unsafe holiday rush hour driving

Did you know that Friday afternoons see the greatest amount of unsafe driving behaviors? Be alert behind the wheel by avoiding these rush-hour risks: here

Facts about home holiday fires

One of every four home Christmas tree fires is caused by electrical problems. Although Christmas tree fires are not common, when they do occur, they are more likely to be serious. On average, one of every 32 reported home Christmas tree fires results in a death compared to an average of one death per 143 total reported home fires. A heat source too close to the tree causes one in every four Christmas tree fires. The top three days for home candle fires are Christmas, New Year’s Day, and Christmas Eve. Candles start two out of five home decoration structure fires. 

This holiday season, consider using battery-operated flameless candles. More on holiday fire safety: here

From our families to yours,  have a safe and Merry holiday season.  If you do experience a claim during the holiday,  please be sure to contact the office,  our voicemail and emails are being monitored.  

Merry Christmas to you all!

Does Financial Strength Matter?

In 2008 over $17 Billion dollars in fire loss was accounted for nationwide. The fires in 2013 that destroyed 511 homes in Black Forest, CO caused a reform in the homeowners insurance laws in Colorado. Hurricane Irma resulted in $100 Billion in damage this year and became the largest in losses recorded. See interactive map of its damage here. Companies must take measures to rebound from their losses.....but who keeps their financial data at the forefront of the consumer's eye? That would be AM Best.

Why an AM Best's Financial Strength Rating Is Important to you?

Three of the most common financial metric categories are: profitability, liquidity, and solvency; the key is to identify the right financial metrics for the business entity.

According to AM Best's website they state the following:

"It is essential that the company you're entrusting to protect your family, business, or your property is financially strong and is able to pay your claims when needed."

The stronger the financial strength rating of an insurance company, the more likely it is that it will not experience financial failure and perhaps even close its doors.

Educating one's self is always a good decision for a consumer to make. The more you know the better you understand when you experience rate increase, non renewal of your policy after a hail claim, underwriting denial of any high risk exposure... and so on.

We encourage you to research your insurance carrier rating. If you have questions, feel free to contact our office for clarification. Happy researching!

The best just arrived!

There's been a lot of work going on at the agency - work that the general public doesn't see us do. Today, we gained access to one of the elite agribusiness carriers in the marketplace. We are proud to announce our partnership with Chubb Agribusiness. Very competitive pricing for top shelf coverage. 

An insurance review is welcomed and encouraged. Give our team a call today. 

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