September is Life Insurance Awareness Month
September is Life Insurance Awareness Month Have you thought about life insurance lately? Only about half of Americans own life insurance and even less know the specifics of what their policy entails. Maybe you haven’t thought about this in a long time or maybe you’ve never really thought about it before, but now is the […]
Does homeowners insurance cover earthquakes?
Does homeowners insurance cover earthquakes? Homeowners insurance typically doesn’t include earthquake coverage. However, if you live in an area at risk for tremors, your home insurer may offer separate earthquake policies or an earthquake endorsement you can add to your policy for an additional premium. If your insurer doesn’t offer any earthquake coverage options, they […]
Auto Insurance Rate Hikes Not Bringing Profit to US Insurers
Rate Hikes Not Bringing Profit to US Auto Insurers: Fitch By Susanne Sclafane | August 18, 2023 / The Insurance Journal Jumps in rates and written premiums did little to move the needle on underwriting profits for U.S. personal auto insurers, Fitch Ratings reported based on a recent review of midyear results of nine big market players. […]
What Keeps Electrical Contractors up at Night?
As an Electrician, What Keeps You Up at Night? 1 MIN READ Being an electrician can be stressful. From managing employees, an intense work schedule, or even the dangers of a cyberattack, there are plenty of things that could keep you up at night. Here are some common things that keep electricians up at night […]
What does AEP mean for those already enrolled in Medicare?
What does AEP mean for those already enrolled in Medicare? Medicare’s Annual Election Period is quickly approaching. Soon the TV will be blasting commercials, newspapers will be filled with AEP ad’s and your mail volume will soon double. But what does that mean to someone who is already enrolled in Medicare and has already chosen […]
Who is Frost-Beck Insurance Agency in Downtown Whitehouse, Ohio?
Who is Frost-Beck Insurance Agency in Downtown Whitehouse? Now in our 75th year of business, Frost-Beck Insurance Agency is a full-service independent insurance agency serving northwest Ohio, as well as six other states in the US. Family owned & operated (and now in our third generation) Frost-Beck Insurance Agency takes a total account approach to […]
How can trucking companies reduce driver fatigue?
Fatigue is an issue nearly every driver faces at one point or another, especially when their role requires driving for long periods. According to the Large Truck Crash Causation Study (LTCCS), 13% of commercial motor vehicle drivers were considered fatigued at the time of their crash. Having a plan in place to help identify and […]
Why Use a Licensed Independent Medicare Agent Instead?
I can just purchase my Medicare Coverage at a big box store, or over the phone. Why should I seek help from an independent insurance agent for my Medicare Coverage Needs? Independent Agents: Represent most of the relevant carriers and plans in your area. Are fully licensed by the state. Re-certify every year with each […]
DOT Audits and Issued Fines Are On The Rise.
DOT audits are still on the rise and the fines have been increasing. The average federal DOT fine after settlement for 2022 was $7,100 and the government collected about $25.7 million in fines in 2022. Some audits are done without any notice. Be sure to keep up all your driver and vehicle records in the […]
Why would I need flood insurance in Ohio?
Why should I buy flood insurance? No matter where you live, you should purchase flood insurance for two main reasons: Floods happen nationwide, not just in coastal areas. Standard homeowners insurance does not cover flood damage. You might be surprised to learn that about 20 percent of flood insurance claims come from moderate- to low-risk […]