March Madness - Insurance Style

March is over and we spent the whole month watching 64 college basketball teams play to the final four, then to the championship game. The entire thing reminded us of some insurance madness. We thought we would share with you our “insurance madness final four.”

Insurance Madness Final Four

1. Always use an independent agent. Independent agents will search the market for the best possible insurance designed for your family or business. Independents agent do not work for an insurance company, they represent you and look out after your interests first.
2. Never buy insurance online. When you buy insurance online you never know if you are getting the best combination of coverage, price, and service. However, you do find out when you have an uninsured claim.
3. Always consider deductible options. A simple way to save money is to consider increasing your deductible on your auto insurance, home insurance, or even your business insurance.
4. Many people don’t consider these coverage’s but they should
   • Identity theft is the fastest growing crime in the United States. Every homeowner should consider identity theft coverage.
   • A personal umbrella can offer additional protection for those who own a home or have personal assets worth protecting.
   • Your business might be at risk if you do not have cyber liability or employment practices liability.

All these coverage’s are easy to add to your business insurance program.

You work hard to build a future for yourself and your family, and it’s important to protect what you already have while providing for a financially stable future for your family. Whether it’s protecting assets such as your home, automobile and valuables, or insuring that your family is taken care of should something happen to you, the professionals at Leap / Carpenter / Kemps are here to help.