FBinsure Blog

Hiring: Workers' Compensation Injury Awareness

Your company is hiring but does not want to hire individuals who present workers’ compensation risks.

Ordinance or Law Coverage

Every day we encounter people struggling to understand what their insurance policies really do for them. Those encounters are why we make educating our clients such a large part of what we do. As a business owner, there are certain thing that you should know when recovering from a loss.


CATO or Corporate Account Takeover is a huge financial exposure to unsuspecting businesses. CATO basically is a form of identity theft whereby cyber thieves are able to steal a business’ valid online banking credentials or they take over browser sessions to access a customer’s account. Other terms used to describe this type of cyber theft are “Electronic Crime and Social Fraud Engineering”.cato

Renting All or Part of Your House

Have you ever thought about renting out a room or your entire home for extra income? Before you decide this is a good idea you have some things to think about. Rental of a room or your home could be considered a business and changes the circumstances of your insurance policy.  Insurance carriers do not contemplate business exposures when insuring a single family home.  How many rooms are rented and for how long will play a factor in whether or not your home insurance policy will provide the proper coverage for this exposure.

Planning a Safe Summer Road Trip

Summer is here and day trips and vacations are well under way. Travelling is fun and exciting, however, it can end up quite nightmarish if you don't plan ahead. Whether for business or pleasure, planning safety into every mile is the key to happy memories. AAA offers these suggestions for an accident-free trip:

7 Reasons FBinsure is the Agency You Want.

Every day I see and hear clients come and go who are dealing with their own accident woes.  I know they are in good hands because I work with these people every day.  I know them.  I know their work ethic, their families and they in turn know mine.  We are a family and families look out for one another. I have all my insurance through FBinsure not because I work here, but because I trust them and let’s face it, it’s also super convenient!

If it happened, would you know how to do the John-Jacob-Jingle- HEIMLICH maneuver?

Summer is here.  Cookouts with family and friends are part of the summer festivities that carry us from June through August.  We plan every detail of these events from food to activities right down to the quaint evening gatherings around the fire pit complete with marshmallow roasting.  What we don’t plan for is the unexpected.  What happens when Uncle Ned suddenly chokes on the steak he is gnawing on because cousin Joe cracked a joke?  We hope this never happens but choking was the fourth leading cause of unintentional death in 2011.  Would you or anyone at yo

Improving Your Home Improvements-Ice Dam Mitigation

In the Northeast, the term “ice dam” is met with grimacing faces and curse words. Many people have just started work on the home repairs needed due to the havoc wreaked over this past winter. With repairs in full swing, now is a good time to think about making improvements to your home to protect yourself against future ice dam issues. It is better to make these improvements now while your home is already being repaired than to wait and make these improvements after your home is repaired and looks like new.

Tips to a Smooth Workers’ Compensation Audit

Audits.  Nothing invokes beads of sweat on the foreheads of company owners faster than an audit.  It keeps hard working managers up at night with worry even if everything is in order.  “It won’t happen to me” they say, but then it does.  When it does, it is always a good idea to be prepared.  If you haven’t taken the time to proactively prepare for an audit throughout the year there are steps you can take once you are notified of your audit date.

The Great Insurance Illusion

perception I wonder what people think about insurance in general.  I used to think insurance was just another monthly obligation.  Something, like all other bills, that merely functioned like a vice grip on my wallet.