The FBInsure Blog

Wow, things really do move fast. It has been nearly a year since we made the decision to formalize our practice in the cannabis space.  It has been fun nearly every day.  It has been a learning experience.  It has been an opportunity to meet some really talented people.  It has been a blast to collaborate and tackle some significant challenges with new forward thinking people.  I think some of my most recent conversations are worth sharing.

Last fall I attended a captive insurance meeting with a client.  At one of

South by Southwest [SXSW]. Music. Movies. Interactive Technology. Networking. Late Nights. And, now featuring the Cannabis Industry!

I recently attended the SXSW Cannabusiness track in Austin, TX. The conference based track was lead by industry experts, lifetime Cannabis advocates, doctors, and even featured a guest panel including John Boehner. What was the overall takeaway from the event? I’d say it was discussions around reversing the stigma of Cannabis. Discussions around reversing the messaging developed around the prohibition of Cannabis – a message clearly articulated by Med Men: Cannabis. The New Normal.

So,

For our next Spotlight, we’d like to welcome Adam Hofmann and the Reid-Hofmann Agency to our team. Adam started in insurance as a claims representative for Arbella Insurance. Working for a carrier helped him understand the “crunch time” of the insurance life cycle with the industry being surprisingly fast-paced due to a lot of it’s time-sensitive nature. This is especially true in claims where the entire process is brought to bear and Adam also saw then the importance of a strong client focused approach. He worked there for a year

March is SUDC (Sudden Unexplained Death in Childhood) awareness month and for that reason this month’s Jeans Day we are supporting The Ariella Marie Foundation.

This month’s employee sponsor, Rebecca O’Connor, became friends with Ariella’s family a few years ago through her daughter’s cheerleading & football league in Norton.  Shortly thereafter the unimaginable would ever affect this beautiful little family.

After a healthy 2-year-old check up with her pediatrician in April 2017, beautiful Ariella passed away peacefully in her sleep the same night.

Ariella was an adorable little girl who captured the love of

We all know insurance is not an exciting purchase. No one feels giddy after buying a new insurance policy, or decides to spend a Saturday afternoon on an insurance shopping spree to lift their spirits. Typically, the insurance buying process is a necessary part of making a large and thrilling purchase, such as a new home or vehicle. I’m not here to pretend that buying insurance is as exciting as a new wardrobe or new furniture, but I am here to tell you that buying insurance can be informative and

If you are under the impression that Workers’ Compensation rates are set by the state, well, you’re right!  But don’t be under the impression that you cannot do anything to help lower your overall premium.  Minimizing workers’ compensation risks is always an available option. Developing a proactive risk management approach can help you create a safer, more structured workplace which over time will help lower your modification score.  If we could provide you a plan that would eliminate workplace accidents, we would, but that is not possible.  What we can

Increasing your deductible is an area where you can save significant amounts of money on your home insurance. The Typical home deductible is $1,000.  Increasing your deductible to $2,500 can save you up to 12%.  $5,000 can save you up to 26%.  It is important to have that money as disposable income if you choose to go with the higher deductible because, of course, you will be responsible for the first $2,500 or $5,000.

Do not put in small claims that could be paid out of pocket. I see this all

If you offer health insurance to your employees you are aware that it is bought in one – year policy increments. Every year your insurance broker arrives at your office, spreadsheet in hand ready to explain why you received an increase. Insurance carriers do this in order to protect themselves from long-term losses by having the ability to adjust your premium on a yearly basis. Unfortunately, as a business providing health insurance you will almost certainly offer it for more than one year.

As a result, business owners need to start

Imagine feeling that a diagnosis of autism for your child was a death sentence, or in some cases, worse than one. Unfortunately, this is the case in Ghana and many countries around the world due to lack of education and awareness about the condition. The local understanding in these cases is that people with autism were in fact “taken by bad spirits” spreading fear and misinformation in many of these communities. (Pinney, n.d.)

“Autism, or Autism Spectrum Disorder (ASD), refers to a broad range of conditions characterized by challenges with social

I just spent the last few days with some of the most inspirational and innovative insurance Agency owners I know.  This is a group of colleagues who own agencies across the country.  We all met years ago at an industry conference geared towards bettering our agencies.  Our relationships started with grabbing a beer after a long day of education.  They eventually evolved into having dinner together, sharing challenges and stories, and ultimately becoming close friends.  Today, we all talk regularly.  We make sure we get together if we’re ever in