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How We Develop a Sound Insurance Program For You
Identify your exposure to loss:
Through the use of questionnaires and physical surveys, we determine the loss exposures that threaten your personal or business financial security.

Identify risks you can afford not to insure:
Purchasing insurance is not always the most cost-efficient method of protecting your assets. Through the creative use of deductibles and the principles of risk assumption and elimination, we look for ways to save you money.

Suggest loss prevention measures:
As we identify your exposures to loss, we will also identify ways to eliminate or minimize the chance of loss.

Formulate your insurance program:
We will not only construct a basic protection plan for you, but we will provide you with a selection of important optional coverages to consider.

Select the right company or companies to provide your insurance coverage:
As an independent insurance agency, we represent a number of highly reliable, financially sound, and competitive insurance companies. We'll select the company or combination to fit your needs.

We Will Continue To Work For You By
Analyzing your insurance program periodically:
Keeping track of your insurance needs and recommending changes.

Providing you with clear, useful information:
Not only keeping you informed about current coverages, but letting you know about new coverages, alternatives, and options that become available.

Assisting you when you have a loss:
If you have a loss, we will work hard to see that you receive pleasant, courteous, fast and fair claim service. Each claim is important to us.
It gives us the opportunity to provide our service.

January 24th, 2012 Blog Post

Preparing for Winter 

Wintertime and winter weather can be tremendous fun, but cold and snow can also pose danger. Slippery roads, downed power lines and limbs, and freezing cold temperatures all bring an added measure of suspense to our daily activities. There are simple steps you can take that will take the chill off your wintertime experience.

In your car. It is not enough to throw a safety kit, including emergency equipment such as blankets, candles, a shovel and traction aids into the trunk of your car and think that you are ready for operating your vehicle in inclement weather. The single most important thing we can do while driving in severe winter conditions is to slow down. A safe speed for conditions might be well under the posted speed limit. Triple the normal driving distance between you and the car in front of you. If your vehicle begins to slip, immediately take your foot off the accelerator and steer gently in the direction you want the car to go.

If your car gets stuck, clear the snow in front of and behind your tires and spread sand, kitty litter or traction mats in the front and back of your tires. Gently accelerate until you feel the tires begin to spin. Put the car in reverse and back up slowly until stopped by the snow. Rock forward again using a low, steady speed.

At home. Have your heating system inspected to make sure it is working properly. If you have an alternative heating source, it should be UL approved and inspected before using.

Good insulation will also help if power is lost. Check for possible air leaks around doors and windows. Seal electrical outlets and switches on outside walls. Stock up on easy to prepare food, first aid supplies, batteries, flashlights and a battery-operated radio.

If you do get snowed in at home and the situation isn’t dire, just relax and preserve heat by hanging blankets over windows and doors. If you use a supplemental heating device, make sure it is UL approved, in good operating condition and maintaining safe distance from flammable items.

Outside. Make sure to remove garden hoses from outside faucets. Hopefully, you remembered to clean your gutters of leaves and debris. Better yet, install gutter guards. These can help keep snow and ice from building up, which can form ice damns and damage your house. Outside heating appliances like heat pumps must be clear of snow and debris to work efficiently.

If you have to go outside, wear tight and layered clothing and sturdy watertight shoes. Make sure to cover exposed parts of the body by wearing hats, gloves and scarves. Failure to protect skin and prolonged exposure to the cold can result in frostbite. The nose, cheeks, ears, fingers and toes (your extremities) are most commonly affected.