Why an Independent Insurance Agency Instead of a Captive?
An independent agent gets to know you and your insurance needs. When purchasing insurance, you may have many questions such as: How do I know what type of insurance I need? How much coverage is the right amount? What is the right insurance company for my lifestyle? If my needs change, who will be able […]
How Have Roof Insurance Coverages Changed?
Roof Insurance Explained: Coverages, Claims, and Loss Settlements 4/24/2025   Many homeowners insurance policies help cover the cost of replacing or repairing your roof when it’s damaged by wind, hail, fire or other covered perils. The extent of coverage and the amount paid out ultimately depends on the specific language in your policy and […]
What Determines Our Group Health Insurance Cost?
What Drives Our Group Health Insurance Premiums? One of the most common questions we get from employers is: “Why do our premiums keep going up?” It’s a fair question—and one that deserves a clear answer. While health insurance costs are influenced by many factors, understanding what drives your group health premiums is the first step […]
Why Do I need to Enroll in Medicare Part D Coverage?
Do I need to enroll in Medicare Part D Prescription Drug coverage? According to the Centers for Medicare and Medicaid Services (CMS), those aged 65 and above should enroll in Part D during their initial enrollment period. Clients often wonder why they need this coverage if they don’t currently take prescription medications. The reason is […]
What is a Personal Umbrella Insurance Policy?
What is a Personal Umbrella Insurance Policy? Hey everybody, it’s Cameron with Frost Insurance. The question that I want to answer today is, what is a personal umbrella policy? The easiest way to answer is that it is an additional policy that you carry that would respond if something happened and your homeowner’s liability or […]
What is a home water leak detection system?
What is a home water leak detection system? 2 min read A water leak detection system for your home looks for sudden, unexpected increases in moisture levels. These systems identify when and where a leak occurs to help you quickly make repairs and avoid a costly water bill. Some systems monitor for leaks, while others […]
What Type of Group Health Plan Is Right for My Business?
Types of Group Health Plans—What’s Right for Your Business? Last week, we introduced the basics of what a group health plan is. This week, we’re diving deeper into the different types of group health plans available—and how to know which one might fit your organization best. Whether you’re a small business owner trying to offer […]
Do I want a Medicare Supplement or an Advantage Plan?
Do I want a Medicare Supplement or a Medicare Advantage Plan? So many Medicare beneficiaries have one question; “How do I know what type of plan is right for me when deciding between a Medicare Advantage plan or a Medicare Supplement plan?”.  The best answer is to learn more about each and choose the one […]
How Can My Crew Improve Our Construction Site Security?
Good planning can help to assure your construction site is secure. Equipment and material theft is a major source of loss for contractors. While insurance may offset some of the financial costs, many uninsured costs – deductibles, replacing depreciated items with new equipment, production delays, paperwork and time to report and replace stolen equipment – […]
What Is Employer Provided Group Health Insurance?
Benefits Breakdown: What Exactly Is a Group Health Plan? If you’re an employer or HR professional, you’ve probably heard the term group health plan thrown around a lot—but what does it actually mean? Let’s break it down. What Is a Group Health Plan? A group health plan is a single insurance policy issued to an […]
