Author Archives: spivey

Halloween is many people’s favorite holiday. The kids go trick-or-treating. Some decorate the outside of their homes with animatronic skeletons and creepy characters. Some people hand out candy (while secretly stashing some for themselves). It’s just a fun, all-around night. As you may know, this holiday is popular for a number of reasons. However, there’s […]

Paving and grading contractors have a reliable amount of business. There are always streets and sidewalks that need to be repaved, potholes to fill, and plenty of spots that need to be regraded so that rainwater flows properly down them without puddling. With so many clients and projects, it can be easy to overlook other […]

Buying car insurance can be a bit tricky when you don’t know what all of the terms mean. What is uninsured and under-insured motorist coverage? Do you need it? The short answer to that second question is: yes, you do need to at least have uninsured motorist coverage. This type of insurance is crucial. Under-insured […]

Most business owners are probably already familiar with the term BOP. For those who aren’t, this is an acronym for Business Owner’s Policy, a cluster of insurance policies that are designed to help business owners by providing them with the basic protections that they need. A BOP typically includes property insurance, which covers your building, […]

Being self-employed is great and comes with many benefits. You’re in charge of your career, instead of a boss or the higher ups at another company. You can pick and choose your clients, decide how much to charge, and even which hours you wish to work. With that said, there’s always a downside. Being self-employed […]

Summer is one of the best and most relaxing times of the year. Between the warm weather, free time to spend in the pool, and plenty of foods to barbecue, it’s no wonder that people look forward to the season. However, in order to fully enjoy your summer, you need to be safe. There are […]

Out of all of the types of insurance that company’s need, cyber liability insurance is one of the least understood. However, it’s also one of the most important, thanks to the rise in hacking incidents, particularly those that target online businesses that sell goods and services. In case your company’s website is hacked, leaving the […]

Some vehicles, like Jeeps or other 4x4s, are designed for going off the beaten path. Some people take off-roading to an extreme, heading down dirt roads that have been purposefully filled with obstacles that were meant to be driven over. There are entire clubs and groups dedicated to off-roading. But what happens if you’re in […]

Landscaping is a tough job. Not only does it consist of a lot of physical labor, but there are a number of tools and pieces of equipment needed in order to get the job done. Those who run landscaping companies understand the importance of having the right insurance protection. With so many different moving pieces, […]

Your wedding day is supposed to be the most perfect day of your life. The sun should be shining, your venue needs to be decorated beautifully, and everything should go just as planned. However, this isn’t always the case. Unfortunately, things can go wrong, fairly quickly, as you can’t control Mother Nature, your vendor’s businesses, […]

Icy, snow-covered sidewalks are prevalent this time of year. Because of this, some cities and housing associations have regulations in place stating that the sidewalks in front of all houses and other buildings need to be kept clear of snow, in order to make walking easier. The issue with this is that removing the snow […]

Everyone wants to save money on their auto insurance, but what happens when you get into an accident or are caught speeding and have a pricey ticket to prove it? Will your rates go up? The short answer is yes. However, the truth is much more complicated than that. The severity of the traffic violation, […]