May 12, 2020
AgencyMoving Forward: Restaurants & COVID-19
As we approach the summer, many restaurants are beginning to plan for a gradual return to normal operations. We have compiled a list of some key considerations and best practices – particularly those related to management responsibilities, food safety, sanitation, health monitoring, and social distancing. Management Responsibilities Make sure that a designated person in charge […]
May 4, 2020
Agency11 checks to make before your first springtime drive
If you’re reading this, you almost certainly have a non-daily-driven enthusiast car somewhere in a locked garage. Coronavirus notwithstanding, it’s time to unlock the door, let that puppy out, fire it up, and drive it. But you need to check a few things first. I assume that the car has been sitting over the winter, […]
April 22, 2020
AgencyI’m borrowing my friend’s car … am I covered?
Borrowing a car Most people have an idea of what’s covered and not covered under their various insurance policies. But at The Miller Insurance Agency, we get a lot of questions about borrowing or loaning a car. Now that summer is here, and you might be looking to borrow your neighbor’s truck for a home-improvement […]
April 7, 2020
AgencyTelematics – The Results Are In!!
Do you like saving money while keeping the same great coverage? I would imagine most of you are much like me and enjoy saving money. Especially when those savings come from activities you are already doing on a daily basis and takes very little effort on your part. I also know how insurance advertising […]
April 3, 2020
AgencyThe Small Business Owner’s Guide to the CARES Act
Just one week ago today, the Coronavirus Aid, Relief, and Economic Security (CARES) Act was signed into law. By now you’ve probably received and reviewed lots of information to determine the appropriate steps for clients. The estimated $2 trillion package, includes nearly $377 billion specifically designed to assist small businesses in the form of extremely […]
March 23, 2020
AgencyRelief on Insurance policies due to COVID-19
I would love nothing more than get back to Insurance basics, but due to the continued influx of questions from customers, I thought I would share some information. #1 question we have received this week is “Do we have coverage for business interruption or loss of revenue due to COVID-19 and the Corona virus pandemic?” […]
March 6, 2020
AgencyBack to Basics-Homeowners Insurance explained: Dwelling Coverage
This coverage, typically listed 1st on your policy lists how much your home is insured for with it’s attached items if there were a covered loss. This amount is determined by a replacement cost estimate; taking into account the size, style, and finish of your home. Your dwelling coverage typically equals or may be […]
March 2, 2020
AgencyRenters Insurance Explained
There are 3 major pieces to the property policy for a renter also known as a tenants policy. 1. Liability coverage helps protect the insured should a loss they cause damage their rental or should someone be injured on their property and they are found liable for the injury. I recommend $300,000 minimum, but […]
February 11, 2020
AgencyBusiness Insurance Premium Audits
What is the purpose of a business insurance audit? We all know that throughout the year our business can change from where we started out the year. This could have a major effect on your insurance exposure and change your liability exposure. Typically the more sales you have the more risk you have. So as […]
February 11, 2020
AgencyCOMMERCIAL AUTO RISKS DRIVING RATE
1. BODILY INJURY LOSS COSTS While the frequency of auto claims involving bodily injury has fallen over a recent 9-year period, the average cost of claims that do involve bodily injury increased by 32% over the same period. 2. ATTORNEY INVOLVEMENT With attorneys actively pursuing auto accident business, more claimants now have legal representation. These […]