Our Blog Posts

Top 5 Costly Mistakes that driver up Long-Haul Trucking Insurance – and how to avoid them

By Mike Watts / May 15, 2025 / Comments Off on Top 5 Costly Mistakes that driver up Long-Haul Trucking Insurance – and how to avoid them

Top 5 Costly Mistakes That Drive Up Long-Haul Trucking Insurance—and How to Avoid Them Running a successful long-haul trucking business isn’t just about delivering freight—it’s about managing risk and keeping insurance costs in check. Many owner-operators and fleet managers unknowingly make decisions that inflate their premiums. The good news? These mistakes are preventable. Here are […]

The ultimate Guide to Over-the-Road Truck Insurance

By Mike Watts / February 7, 2025 / Comments Off on The ultimate Guide to Over-the-Road Truck Insurance

The Ultimate Guide to Over-the-Road (OTR) Truck Insurance: Everything You Need to Know Introduction :  If you’re an over-the-road (OTR) trucker, finding the right insurance coverage is crucial. Whether you’re an owner-operator, lease operator, or manage a fleet, OTR truck insurance protects your business from liability, accidents, and cargo damage. In this guide, we’ll cover […]

Protect Your Business: Why Contractors and Handymen Need General Liability Insurance Now More Than Ever

By Mike Watts / December 1, 2024 / Comments Off on Protect Your Business: Why Contractors and Handymen Need General Liability Insurance Now More Than Ever

    Protect Your Business: Why Contractors and Handymen Need General Liability Insurance Now More Than Ever As a contractor or handyman, you are the backbone of the construction and home improvement industry. Your skills transform spaces and bring clients’ visions to life. However, with great craftsmanship comes great responsibility—and risk. In today’s rapidly evolving […]

4 Fees You Can Eliminate by Getting Freight Loads Directly from Shippers

By Mike Watts / September 27, 2024 / Comments Off on 4 Fees You Can Eliminate by Getting Freight Loads Directly from Shippers

Discover practical tips to save on over-the-road truck insurance. Learn how to lower premiums, reduce risks, and maximize coverage for long-haul trucking businesses.

Why Bundling Home and Auto Insurance is the Best Choice When Rates Increase

By Mike Watts / September 26, 2024 / Comments Off on Why Bundling Home and Auto Insurance is the Best Choice When Rates Increase

Why Bundling Home and Auto Insurance is the Best Choice When Rates Increase As an independent insurance agent, I understand how frustrating it can be to see your home and auto insurance rates increase year after year. If you’re like many homeowners and drivers, you’re likely searching for ways to reduce your monthly expenses while […]

Does Cobra Count As Creditable Coverage for Medicare?

By Mike Watts / June 4, 2024 / Comments Off on Does Cobra Count As Creditable Coverage for Medicare?

Does COBRA Count as Creditable Coverage for Medicare? When navigating health insurance options, understanding how COBRA (Consolidated Omnibus Budget Reconciliation Act) coverage interacts with Medicare is crucial. One common question is whether COBRA qualifies as creditable coverage under Medicare rules. Let’s delve into the details to clarify this important issue. What is COBRA? COBRA allows […]

Do I Need to Sign Up for Medicare Part B if I Am Working and Have Health Insurance Through an Employer?

By Mike Watts / June 4, 2024 / Comments Off on Do I Need to Sign Up for Medicare Part B if I Am Working and Have Health Insurance Through an Employer?

Do I Need to Sign Up for Medicare Part B if I Am Working and Have Health Insurance Through an Employer?  Do I Need to Sign Up for Medicare Part B if I Am Working and Have Health Insurance Through an Employer? Navigating the intricacies of Medicare can be challenging, especially if you’re still employed […]

Navigating Medicare’s Special Enrollment Period for Moving to a 5 Star Plan

By Mike Watts / June 3, 2024 / Comments Off on Navigating Medicare’s Special Enrollment Period for Moving to a 5 Star Plan

Navigating Medicare’s Special Enrollment Period for Moving to a 5-Star Plan When it comes to Medicare, understanding the intricacies of enrollment periods is crucial for making the most of your healthcare benefits. One of the key opportunities beneficiaries should be aware of is the Special Enrollment Period (SEP) that allows you to switch to a […]

IRMAA, or Income-Related Monthly Adjustment Amount, affects the Medicare Part B premium by increasing the amount higher-income beneficiaries must pay

By Mike Watts / June 3, 2024 / Comments Off on IRMAA, or Income-Related Monthly Adjustment Amount, affects the Medicare Part B premium by increasing the amount higher-income beneficiaries must pay

IRMAA, or Income-Related Monthly Adjustment Amount, affects the Medicare Part B premium by increasing the amount higher-income beneficiaries must pay. Here’s how it works: Understanding how IRMAA impacts your Medicare Part B premium can help you better plan for healthcare costs in retirement, particularly if your income varies significantly year-to-year. We are licensed insurance agents.We […]

The perfect graduation gift: A Life Insurance Policy

By Mike Watts / May 22, 2024 / Comments Off on The perfect graduation gift: A Life Insurance Policy

Life Insurance the perfect graduation gift The Perfect Graduation Gift: A Life Insurance Policy Graduation is a significant milestone, symbolizing the transition from academia to the real world. As parents and grandparents, we often ponder on the best way to celebrate this achievement and set our graduates up for future success. While traditional gifts like […]