Author Archives: Spivey Blog

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 […]

Sometimes employees, whether they are currently working for you, previously were employed by your business, or are aspiring hires, have “less than stellar” intentions. When this happens, your business could be besieged by lawsuits that, between legal fees, settlements, and other things, might force you into bankruptcy. After all, those expenses can add up and […]

Did you know that September is Life Insurance Awareness Month? This is a good time to examine your current life insurance policies and assess your needs to see if you need to increase your amounts or obtain a new policy based on your findings. Moreover, if you currently don’t have a life insurance policy, this […]

It’s common for college students to take their cars to school with them, even if the campus is incredibly walkable. Vehicles provide a way to get to and from parties, shopping malls, and even back home for a visit, without having to ask a fellow student for a ride. However, this freedom on campus comes […]

It’s no secret that if your business has employees, then you need to have worker’s compensation insurance. There are numerous regulations, both state and federal, in place stating that you need to do so. In addition, not only does the size of your company and its location play a role in how much you’ll have […]