Tag: Tennessee

Homeowners Insurance Endorsements

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Homeowners Insurance Endorsements

Undoubtedly, as 2017 proceeded, Americans have been alerted by the historical weather events Harvey, Irma and Maria which occurred from August 25, 2017, through September 16, 2017. And many homeowners have been shocked to learn that perhaps their homeowner policy and their respective endorsements were lacking in certain ways. How about you? Do you understand your homeowners insurance endorsements? Our regular readers, know that over the past few years we…

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Life Insurance: Are You Ready For A Lifelong Project?

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Life Insurance Awareness Month

When one considers the phrase “a lifelong project,” it may conjure up images of a major undertaking, requiring many hours and perhaps much capital. However,  life insurance, a lifelong project, can be interesting, rewarding and comforting. Depending on your own life experience, you might recall your parents or grandparents discussing life insurance. A death in the family may have sent everyone searching for any life insurance policy that may have…

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Insuring Your Home-Based Business

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Resources Insuring Home-Based Business

It’s easy enough to announce you are starting your own business and will work from home, i.e., you will join the 38 million home-based business in the United States. It could be you possess a talent, an invention that you are now ready to market, or you can provide a needed service that you’ve determined will gain popularity. But have you researched and considered all the steps you will need…

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Work Comp premiums for Non-Employees in TN

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Employees Sign

Interesting case came out of the Insurors of Tennessee newsletter last week. We have a feeling insurance companies will be jumping all over Workers Compensation audits after the Tennessee Supreme court declined to hear a case about insurance companies collecting Work Comp premium on payroll for Non-Employees. Not good news for many companies who hire independent contractors. The only thing we recommend at this time is that your independent contractors…

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Sinkhole Legislation Passed

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Example of Sinkhole

Sinkhole legislation bill was passed by the Tennessee General Assembly this week. So what does that mean? It basically means insurance companies must make sinkhole insurance available to homeowners if they want to continue to insure homes in Tennessee. If they want to inspect the property before insuring the home for sinkhole coverage they may. What does all that mean? It means sinkhole coverage is now optional to you, where…

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Will Tennesse Privatize Parks?

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Tennessee

Tennessee is exploring the possibility of privatizing parks and that is important to us because we are located in Tennessee and we are specialized in outdoor and recreation insurance. If the state government moves forward in privatizing parks we hope they will also review the outdoor exposures and how they are to be insured as the insurance premium can be somewhat costly. From an insurance standpoint the process of leasing land to…

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Open Enrollment…What?

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Pill and Money

Every year I have the opportunity and pleasure to re-certify for Medicare with each of our Insurance Companies servicing Medicare. For most seniors, this is time to scramble and find the best plan for their current situation and needs.  The governing body responsible for this oversight is the Center for Medicare and Medicaid Services.  CMS also determines the Open Enrollment dates for Medicare Advantage plans and now, Affordable Care Act…

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Keep Your Loved Ones Closer

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Pills

My grandmother passed away recently and I have had time to ponder her life and the eventual circumstances that led to her(early in my opinion)passing. Ruth was a very active woman.  Whether it be her children, grandchildren, husband or the church, my grandmother never stopped and was always on the go.  She was a cook and a fantastic artisan.  In my younger days, she would bake a cake for my…

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Medicare Explained in 5 Minutes

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I get mail every day about medicare; somebody finally explained it, the best part it only took 5 minutes.  Here is our video in Knoxville, TN. Hope it helps:

Is your House Located on a Sinkhole?

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photo credit: pocaagua Sinkholes…there are a ton of them in Tennessee. Could your home be located on one?  Did you know that the state of TN requires sinkhole insurance to be offered on all homeowners insurance policies?  I’m here to tell you that there are many people out there who do not take the coverage.  Are you one of them? Buy this stuff it is cheap, sometimes it’s included in…

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