INSURANCE BLOG

We do our best work when your coverage reflects your real life. If something changes, big or small, loop us in. This isn’t an exhaustive list - just some common updates people often forget to tell us that keep you protected and reduce surprises at claim time. — People & Household — Adult child…

Intellectual property (IP) infringement is costly for businesses, paid social media influencers and content creators. Recent lawsuits against high-profile brands for using copyrighted music in social media posts demonstrate that IP violations can have serious financial consequences. You could be…

Accidents, claims, tickets and violations can all cause your insurance rates to rise. Whether an accident causes a rate increase depends on the nature of the accident, the coverage you have, the insurer and the state you live in. — How premiums are calculated — Insurers evaluate risk based on a…

According to Cybercrime Magazine, global data storage is expected to exceed 200 zettabytes in 2025. One zettabyte is equal to a billion terabytes or a trillion gigabytes. That’s a lot of data to secure. — Inside the corners of those storage systems lurks shadow data: unchecked and uncontrolled data…

Rathbun Insurance’s Ben Rathbun, Laura Stoken, and Ricardo Morales had the privilege of attending Michigan State University’s Summer Business Institute (SBI) Family Reunion Picnic. The event capped off a week-long program designed to support the transition of incoming first-year students into both…

“But we have everyone sign a waiver …” — This is a common statement made by youth sports organizers when someone asks about the financial consequences of injury. However, did you know a parent-signed waiver or release is effective in only about 10 states? And what if the person who is injured is a…

Who doesn’t love a good deal? Yard or garage sales aren't only a great way to purge items you no longer use, but they're also sustainable, giving those items a new home. Also, yard sales give you a chance to give your neighbors a fair price on items they may need while making a little money in the…

Have you heard that your credit score can affect how much you pay for insurance? — As a consumer, you probably know everyone has a credit score maintained by three major credit reporting agencies: Equifax, Experian and TransUnion. These firms compile information from financial institutions and…

You may not give the windows on your home much thought, but they can actually make a big difference not just in your comfort level, but also in the value of your home. You'll have a wide range of options to choose from, so it is important to evaluate your choices carefully. Here's what you need to…

We don’t believe in a set-it-and-forget-it insurance model. Life changes, and so does your liability risk exposure. Use this checklist to understand risks that might apply to you. Then let’s connect about making changes to your protection. — General vehicle information — Have you transferred the…