Author Archives: Spivey Blog

There are few things worse than realizing that your small business will be closed for the next few months due to storm damage. How will you pay your employees? What will you tell your customers or clients? Not only will you lose business while your building is closed, but there’s always the chance that they […]

Do you have a summer house that you rent out to others? Whether you enjoy a few weekends in your beachfront property or invite family and friends to hang out at your home by the lake, you need to have the right insurance in place, especially if you take advantage of the times when you […]

Did you know that your boat should be insured just like your car? No matter where you have it docked, damage can occur – even in your own yard, should a tree or other structure land on the boat during heavy winds. Things are even more precarious out on the water, where everything from crashes […]

If you live in a flood zone, you are required to carry flood insurance, right? This way your home and belongings are protected the next time that your nearby stream or river overflows its banks into your basement. But what happens if you don’t live in a flood zone? Do you still really need flood […]

Are you planning some home renovations? It’s the time of the year when many people start looking at their homes and seeing what they can improve, so if you answered that question with a “yes” then you’re not alone. While the cost of these renovations might be the only thing on your mind, you also […]

Choosing to work as a freelancer, as opposed to having a traditional 9-5 job comes with plenty of pros and cons. On the positive side of things, you can set your own schedule, choose which clients you want to work with, and enjoy a fulfilling job. On the negative side, there are some things that […]

When you go to purchase an auto insurance policy, what do you do first? Do you simply look at the price of the policy and decide whether or not you can afford it, or do you examine everything that comes with a default or custom policy so that you fully understand it? If you said […]

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 […]