A Softer Forecast—But Not a Free Pass The forecasters at the National Oceanic and Atmospheric Administration (NOAA) are predicting a less active than normal hurricane season this year. YAY! VIVA EL NIÑO! Well . . . Before we get too excited, please meet my friends Andrew and Alicia. Both were devastating hurricanes that came during El Niño cycles. Stay Alert, Stay Ready Don't go to sleep on hurricane season, and for goodness sake, pull the trigger on the back up generator thi

Summertime is coming and the urge to get out on the water will be strong. If you own a boat, you have undoubtedly taken the wise step of protecting your liability and your investment with boat insurance! If you have not done this, pick up the phone right now and call your friendly neighborhood insurance agent! By now you are well acquainted with the joys and pitfalls of boat ownership. You are familiar with the acronym: B.O.A.T (Break Out Another Thousand) as you cruise wi

(Please note that this content has not been produced by A.I.) As long as the folks who stand poised to profit from AI's prophesied "job-a-geddon" are using AI to "write" viral posts predicting and cheering it on, it is only fair that the "dead man walking" insurance agent/attorney should get his say as well. Will AI make insurance agents obsolete the way it purports to make attorneys, financial advisors, data analysts, software engineers, and most customer service jobs disapp

Your standard commercial property insurance policy typically covers tools, equipment, and machinery only while they are on your property —either stored or in use. The moment those items leave your premises—whether loaded onto a trailer, tucked in the back of a truck, or transported under their own power—coverage under your property policy becomes very limited or nonexistent . This creates a significant gap for contractors, tradespeople, and businesses that rely on mobile eq