Losses that occur on property you own can affect your livelihood and that of your tenants. They also can affect your insurance rates and eligibility. Without the proper controls in place, you could be saddled with the responsibility of owing for injury or damages that you did not cause. RECOGNIZE THE RISKS When you understand […]
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Entries by theayresgroup
If you are the officer, owner or director who makes the decisions about your company’s employee benefit plans, your personal assets may be at stake without the protection of fiduciary and employee benefits coverage. WHAT IS IT? You may already be familiar with fidelity bonds required by the Employee Retirement Income Security Act of 1974 […]
If your possessions are stolen or destroyed, your insurance company will ask you to provide a record of them. Learn the benefits of having a personal property inventory list below. Details Will Be Important At Claim Time Do you know the brand name and serial number of your stereo? Would you recall off the top […]
Accidents involving common, everyday activities may result in a worst-case scenario. Being held legally liable for injury to another person or damage to their property could exhaust your home or personal auto policy liability limits, and cause financial ruin to your family. A personal umbrella policy works hand in hand with your existing underlying insurance, […]
From luncheons to extreme sporting events – and everything in between – special events can be excellent ways for nonprofit organizations to raise money and increase visibility. While the extra revenue may be welcome, consider any additional risks. Are the risks being assumed worth the benefits gained? Before your organization hosts a special event, consider […]
Buying a condo is similar to buying a house. Your mortgage company will probably require you to buy condo insurance. But how do you know how much insurance you need? Typically, condominium associations own and insure the outside structure of a condominium building, including the grounds and other features, such as a pool or tennis […]
Driving a vehicle is so ingrained in our daily routine we don’t think twice about the risk that this simple activity carries. But operators of home health care services should consider the risk that auto travel poses to your business and to your employees. By putting appropriate controls in place, employers can help their licensed […]
Have you recently reviewed your insurance policies? Have you compared your coverage to your association’s bylaws? Are you sure you are adequately insured for property or liability claims specific to your lakefront home? The Stillson Insurance Agency has specialists that can make sure your insurance needs are being met correctly. We pride ourselves on establishing […]
Think of your life as a series of stages: youth, adulthood, parenthood, maturity. Each stage has its own loves, its own rewards – and its own reasons to purchase life insurance. As you reach different stages of life and your needs change, consider how different life insurance products can help. YOUTH It may not be obvious […]
Winter driving brings inherent risks. But you can put the odds in your favor with proper preparation, car maintenance, and driving techniques. Keeping up with car maintenance year-round is important, but it carries added significance in the winter when being stranded can be inconvenient due to travel plans, as well as being downright unpleasant waiting […]
The Ayres Group team of seasoned insurance professionals provide our greatest competitive advantage, with most having more than 20 years of experience.