Ensuring: The FBinsure Blog

October is National Cybersecurity Awareness Month. During this annual event, government and industry leaders come together to raise awareness about the important of cybersecurity across our economy.

“Do your part. #BeCyberSmart.”

The theme was  selected to empower both individuals and organizations to take ownership of their unique role in promoting cyber security with the key message being, “If you connect it, protect it.” With more employees working remotely than ever before, and in control of their connections and set up, it’s important to highlight how critical it is for each employee to

Do you know and understand your business and its operations? Of course you do. Does your insurance company know and understand your business and its operations? That depends on you and your insurance agent.  A powerful tool to help you educate the insurance marketplace is a risk assessment.  A risk assessment is a series of questions that pertain to a variety of areas of risk in your business. Businesses typically only go through a risk assessment when they start the business or when they change insurance carriers. However, some businesses

Understanding Pandemic Fatigue

An unintentional phenomenon is on the rise—pandemic fatigue. People are tired of staying at home. People want to be the social creatures they inherently are. People want their “normal” back. This collective fatigue is making some people — consciously or unconsciously — disregard pandemic guidance such as social distancing and mask wearing. Others may be reaching a mental health breaking point.

Alarming data from a U.S. Census Bureau survey revealed the psychological toll taken by the pandemic. American adults were asked typical mental health screening questions. Twenty-four percent showed

As well as kicking off decoration season with Halloween, the start of October also marks the beginning of Distracted Driving Awareness Month. This month long campaign is intended to raise public awareness about the dangers of distracted driving and encourage motorists to reduce distractions behind the wheels.

Just Some of the Most Startling Distracted Driving Statistics

21% of teen drivers involved in a car accident were distracted by cell phones.

Reaching for something increases the chances of a car crash by 8 times.

In some states, a distracted driving citation can raise insurance rates

From an insurance and risk management standpoint, what snow and ice contractors cannot do enough of is document, document, and document. This unexpected, yet critical contractor tool In this highly litigious society we are living in it has never been more important to keep track of all the information you can. Recently insurance carriers have moved to much stricter guidelines when underwriting potential businesses.  They now require certain documentation, such as logbooks. Lack of documentation will cause insurance carriers to offer higher premiums or decline coverage altogether. Proper documentation will

Insurance Is Essential

The lives and community we have built always need protection, which is why throughout the pandemic insurance has been considered an essential industry. Homes, cars and businesses still need coverage, and our communities still need our expertise. While our Agency has made the decision to keep our offices closed to the public our team has remained committed as ever  to exceptional service and meeting our client’s needs.

As we head into the autumn months, families are busy with the hustle & bustle of back to school, while as a

Many young people who have not previously bought life insurance start with the same question, “What will it cost me?” For people in the prime of their life, often living on a budget, spending money on a insurance policy for something so far in the future can seem like a waste. The truth is, life is unpredictable and an ounce of prevention can be worth a pound of cure. Life insurance protects those you love from financial hardship when the worst strikes, and the earlier (and healthier) you purchase a

All of your insurance policies are designed to protect your finances, but often the most cost effective way to protect everything you care about is to bundle all the coverages your unique situation needs!

Benefits of Bundling Insurance

When it comes to insurance policies most adults have home or renters, auto and life insurance. Combining these policies together can give you a substantial discount. In fact, almost any type of personal insurance policy can be bundled in order to save on premiums and streamline the claims process.

Here are some of the benefits

It’s time for us to debunk four more common auro insurance myths and find out what grains of truth they may stem from. Knowledge is power and understanding correctly how carriers determine your car insurance premium can give you important insight to make the right car or insurance purchase.

If your car is totaled, insurance will pay for your new car.

If your insurance reimburses you for a covered total loss, such as your car being totaled, depreciation is taken into consideration. Depreciation is the decreased value of an item over time

The health savings account (HSA) is a growing trend in health care, but is it right for you? An HSA is a cost-effective option for many individuals and families, but it is not the best choice for everyone.

The Differentiators

Comparing an HSA to any traditional health plan can be difficult, as each has pros and cons. For example, traditional health plans typically have higher monthly premiums, a smaller deductible, and fixed copay and/or coinsurance. You pay less out-of-pocket due to the lower deductible and copay, but pay more each month in