Author Archives: Spivey Blog

When it comes to auto insurance, you generally have two choices. The first is full coverage, which includes everything from comprehensive coverage to extras, including rental car reimbursement in case of an accident and towing within a certain range of miles. The other is called state minimum coverage. This consists solely of liability, uninsured/underinsured motorist […]

Small business owners know that they need to have a number of insurance policies in place in order to protect their livelihood. Options like property insurance, liability insurance, business interruption insurance, and more are some of the many policies that you should consider. While it’s clear that you need to have insurance, what isn’t so […]

Congratulations! You’ve decided to officially start a family. You and your spouse have welcomed your first child, you now have a solid home base, and several vehicles, among other things. You have jobs, hobbies, and everything else that goes with adulthood. But do you have the insurance plans that you need, just in case? Odds […]

Is there someone working for your business who’s so valuable that the company would most likely close or face some tough financial consequences if you lost them? In the case of almost all small businesses, that answer would be “yes.” Thankfully, you have one way to safeguard this human asset, as well as ensure that […]

Small business owners know the importance of having the right types of business insurance. After all, their livelihood depends on that protection should something happen to the business. With that said, it’s common for small businesses to switch from one insurance provider to another in search of the lowest premiums. While this may help you […]

Whether your company builds new houses or renovates existing ones, you need to have a builder’s risk insurance policy in place. This insurance covers a number of important things that you might otherwise have to pay for out of pocket. Without a builder’s risk policy in place, one simple mistake could result in you paying […]

If you run a small business, then you already know the importance of having the right insurance policies. You need to have coverage on your property and building, any company vehicles, and if you live in an area prone to hurricanes or flooding, the related policies that provide that just-in-case coverage. However, there’s one insurance […]

If you’ve been following the news, you’ve no doubt come across a headline or two about certain insurance companies refusing to provide coverage for specific vehicles in various states. Why did this happen? Why are some vehicles suddenly uninsurable, leaving their owners exposed to either paying very high premiums or finding alternative types of insurance? […]

There are many unforeseen events that can lead to needing to have your house rebuilt. It could catch fire, burning everything that’s inside. A tornado or hurricane can sweep through the area, turning the house to rubble. Flooding can also cause major damage. The real issue here isn’t how your house gets damaged so much […]

Choosing business insurance isn’t something that you do on a whim and a prayer. You shouldn’t hop online or go to your nearest insurance agency and buy the first policy that you come across. This can lead to issues, such as not having adequate coverage or even the right types of coverage. There are many […]

No matter the size of your company, you need small business insurance. Designed to protect companies in a number of different ways, these policies can be the difference between a thriving business and one that ends up in major financial trouble due to a number of unforeseen and unfortunate circumstances. How can you be sure […]

After an auto accident or other damage to your vehicle, you usually have the choice of filing a claim with your insurance company or paying to repair the damage out of pocket on your own. While the choice is yours, no matter what happened, there are some circumstances where one option is better than the […]