While means and methods will vary, one item that all craft beverage manufacturers share is dependence on their equipment. That’s why it’s important to make sure you include equipment breakdown coverage as part of your insurance portfolio if you’re a craft brewer, distiller or winery owner. When most of us think about insurance protection, we […]
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Entries by theayresgroup
Imagine coming home from a weeklong vacation to find that an electrical outage damaged the air-conditioning compressor, and your AC is out. Or, you arrive home from work on a Friday after a long, hectic week, planning to settle in to enjoy the latest movies. As soon as you kick off your shoes and click […]
People have a variety of needs when purchasing life insurance. Term insurance answers some of those concerns, and permanent insurance addresses others. I always ask clients, “Are you concerned about ‘if you die’ or ‘when you die’?” If you are worried about “if you die,” then you’re probably thinking about what happens to your loved ones […]
College and professional football season prompts many fans to upgrade their televisions. Where viewing is concerned, bigger is better. But bigger can also be more dangerous, with larger TVs creating unanticipated hazards at home. More than 17,000 children – one every 30 minutes – are treated in emergency rooms across the country for TV-related injuries […]
New teen driver. As both the father of a new driver and an underwriter, those words make me nervous. But some proactive discussion among the new driver, his or her parents and your local agent can make the teenage driving years a lot less stressful. Readiness – First, make sure your teenager is ready to […]
If you are among the millions of young adults packing up to head off to college, now is a great time to take stock of all of your electronics, sports equipment, musical instruments and other items that you would need to replace in the event of fire, theft or other hardship. Most people, not just […]
You probably know the Midwest as the breadbasket of the country, but do you know about its earthquake history? Should that concern you? If you live in the Midwest or the East, scientists and history suggest it should. THE PAST In the early 1800s, three of the most powerful earthquakes in U.S. history hit New […]
Fires are a significant hazard on construction sites. A November 2014 National Fire Protection Association report found that between 2007 and 2011, U.S. fire departments responded to an average of 5,120 structure fires in residential properties that were either under construction or undergoing major renovation. Each year, those fires led to an average of nine […]
Millions of Americans may be in danger from defective electrical equipment in their homes, yet may not be aware of the risk. If you reside in a home with electrical circuit breakers and panels installed in the mid-1950s through the early 1980s, have your equipment inspected and replaced, if necessary. During that period, Federal […]
How much does life insurance cost? Probably a lot less than you think. A recent LIMRA study found that 63 percent of consumers polled indicated that life insurance was too expensive, yet 80 percent of consumers overestimate its cost by nearly threefold. LIMRA is a leading insurance and financial services trade association. Today’s consumers have […]
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