At Spivey Insurance Group, we know life insurance is one of those things people mean to take care of, but often put off. Usually, that is not because you do not care about it. It is because the process sounds like a hassle. You picture medical exams, a lot of paperwork, long waits, and more...
Winter is the time of the year that most landscapers take off, at least physically anyway. In this so-called “off season,’ while sifting through all of the paperwork, contacting all of the previous years’ clients and employees, and checking out your equipment, you also need to spend some time examining your insurance policies. Do you...
Everyone wants to save money on their insurance premiums. No matter which type of insurance you have, from standard homeowner’s policies to those that cover your personal vehicles, you want to pay as little as possible per month in order to fit your premiums into your budget. If you own a business, then the stakes...
Ice and snow may look pretty, but both can do some damage to the roof of your home if you aren’t careful. The buildup can lead to roof collapses, if the snow gets deep enough and you live in a climate that isn’t accustomed to this kind of weather. Inclement winter weather can also cause...
And now for the million-dollar question: Does your business have the right type of commercial auto insurance? With options like hired, non-owned, and traditional commercial vehicle insurance, it can be easy to end up with the wrong or inadequate coverage. In order to make the right decisions, you need to understand the basics of commercial...
Hobbies are supposed to be fun. Whether you enjoy wandering around and taking photos, playing the guitar in your basement, or painting, these activities relax you and help put you into a peaceful frame of mind. They’re not supposed to be stressful, which is what could happen should your prized guitar break or your expensive...
Small business owners of all types can benefit from a certificate of insurance. Often abbreviated as COI, these documents prove to your vendors, customers, and anyone else that your company does business with, that you have the right types of insurance in place, just in case something unexpected occurs. But when do these COIs come...
Standard businesses, whether they sell goods, manufacture them, or provide important services, need to have a BOP, or Business Owners Plan that includes property insurance, liability, and other necessities. That’s normal protocol for anyone with a traditional business. But, what about those who run independent businesses, like selling wholesale goods on Amazon or crafts on...
The holiday season is filled with gift giving of all kinds, particularly gifts of the pricey variety. Jewelry, video game platforms, art, and vehicles are all high-value gifts that need to have the insurance policies to protect them. Remember, you need the right type of protections for your shiny baubles, collectibles, and other expensive items....
The end of the calendar year is a time for reflection, which includes looking back on your business over the several past months. While you’re examining your sales margins and profits, it’s also time to take a look at your insurance policies. Since most of them renew in January, which will be here before you...
It’s extremely common for people to travel over the winter holidays. With school out of session, it’s the perfect time to head to that ski resort, a grandparent’s house, or other fun-filled destination. However, it’s not always pure fun and games. While you and your loved ones are away from home for a week or...
Protect your crews, your trucks, and every container you put on the ground. Running a dumpster or container rental operation means juggling tight schedules, heavy equipment, busy job sites, and a lot of responsibility. One mishap, on the road, on a driveway, or at a transfer station, can derail a job and hit your bottom...
