Author Archives: Spivey Blog

Your business is more than just your livelihood. Yes, it helps pay the bills, but focusing solely on its profitability negates the fact that your heart and soul went into developing products and services, hiring employees, running the company, and more. So, what happens when the unthinkable occurs? Your company’s continuity plan, which should cover […]

At first glance, freelancing seems headache-free. You take on any new clients that you can handle, while maintaining your own flexible schedule. However, freelance life isn’t without its challenges, one of which can be helped by having a solid professional indemnity insurance policy. What do these policies cover? How can you purchase one? Here’s what […]

Recently, something interesting has become popular in the world of car insurance: telematics. While some companies, like Progressive, have been using electronic tools for quite some time, others are just now realizing how quickly people will approve the use of the devices in order to save money on their car insurance premiums. What are telematics, […]

Did you know that your business insurance policies contain some exclusions? The items listed in these exclusions aren’t covered by the policy, often leaving you to pay for them out of pocket. Insurance exclusions are usually embedded in the fine print of your policy, which is something that many people overlook, only to be surprised […]

Setting up measures to protect your home from burglars has an additional advantage besides safety: lowering your home insurance premiums. When you take extra measures to keep the contents of your home safe and secure, your insurance company will reward you with lower costs because the odds of them having to pay out a claim […]

It’s no secret that small businesses are often vulnerable to more things than larger companies. After all, they have a limited number of resources, fewer employees, and far less in their bank accounts than larger businesses. Basically, in most cases, they lack the power to put backup solutions into place should something go wrong. Therefore, […]

As people get older and nursing homes get more expensive, the need for long-term care insurance rises. When you figure that the average elderly person needs to qualify for Medicaid (the low-income plans) should they need more help that they can receive at home (and even that isn’t a guarantee that they’ll be able to […]

All companies have to worry about risks. It’s simply the cost of doing business. They run into risk when making productions, packaging and selling items, hiring employees, and even owning or leasing a building in which to operate. What makes this easier is knowing that there are plenty of insurance solutions for most, if not […]

Most people have a standard homeowner’s insurance policy that covers not only the outside of their homes and the structure’s themselves but also most of the contents. However, what happens if you have an expensive collection that exceeds the limits of your policy? This is where personal article insurance policies come into play. What do […]

Did you know that when something changes in your life, you should let your insurance agent know as soon as possible? While in some states you have up to 30 days, depending on the change, you really should inform your insurance company immediately, as the changes can affect the overall cost of your premiums. It’s […]

You’ve no doubt seen many commercials regarding life insurance. Going beyond this, some companies even offer life insurance to their employees, paying for a policy that would give their beneficiaries around one year of their loved one’s salary should the unthinkable happen. With that said, why is life insurance so important? What’s the point in […]

If you own a small business, then you need to have every possible type of insurance protection in place. This includes errors and omissions insurance if your business involves providing certain types of services. Called E&O for short, errors and omissions policies can prevent you from having to pay for legal fees, fines, and other […]