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Online Business Insurance: Do 60% of Small Businesses Really Buy Without an Agent?

Online Business Insurance: Do 60% of Small Businesses Really Buy Without an Agent? You’re scrolling through industry news with your morning coffee when BAM—a headline hits you like a brick through a window: “60% of small businesses are buying business insurance online without an agent.” If you’re an insurance agent, you probably just felt your stomach drop. If...

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The 10 Most Common Business Insurance Gaps That Could Hurt Your Business

The 10 Most Common Business Insurance Gaps That Could Hurt Your Business You’re sitting in your office, feeling pretty good about your business insurance coverage. You’ve got general liability, property insurance, maybe even workers’ comp. You’re covered, right? But the reality is that most business insurance gaps start with this exact overconfidence. Let’s get...

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California Boater Card: The New Must-Have for Every Boater

California Boater Card: The New Must-Have for Every Boater Here’s a scenario that’s playing out across California marinas right now: You’re backing your boat down the launch ramp, excited for a perfect day on the water, when a California State Parks officer walks over with a simple question: “Can I see your California Boater Card?” If your answer is anything...

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Are You a First Time Captain? Navigate the Waters Like a Pro

Are You a First Time Captain? Navigate the Waters Like a Pro Congratulations on joining the ranks of boat owners! So you’ve bought your first boat—congrats! As a first time captain, you’re stepping into a new world of adventure on the water. But before you drift off into daydreams of perfect sunsets and impromptu swimming stops, let’s talk reality: the learning curve for new...

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Boating with Children: The Ultimate Guide to Creating Safe, Unforgettable Water Adventures

Boating with Children: The Ultimate Guide to Safe, Unforgettable Water Adventures Boating with children creates magic on the water. Pure and simple. It transforms ordinary outings into lifetime memories. But here’s the catch—success doesn’t just happen. Planning does. Those Instagram-worthy family voyages? The ones where everyone’s smiling instead of screaming? They demand...

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Third-Party Litigation Funding: Why Your Insurance Premiums Keep Rising

Third-Party Litigation Funding: Why Your Insurance Premiums Keep Rising Your premiums went up again. You didn’t file a claim. What gives? The answer might surprise you: Third-Party Litigation Funding is quietly transforming business insurance costs across America. Spotless claims history, responsible risk management, yet your business insurance costs keep climbing. The culprit?...

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What Is a Certificate of Insurance — And Why You Should Know How to Read One

What Is a Certificate of Insurance — And Why You Should Know How to Read One You’ve just landed a big job. The client’s thrilled. You’re ready to get to work—and then they ask, “Can you send over a certificate of insurance?” Cue the record scratch. The blank stare. The frantic Google search. Let’s be honest: a certificate of insurance is one of those...

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Distracted Driving: What It Is, Why It Happens, and How to Prevent It

Distracted Driving: What It Is, Why It Happens, and How to Prevent It Distracted driving kills someone every 88 minutes in America. That’s not just a stat — that’s real people, real families, and real moments lost forever. And most of the time? It was preventable. Many of us don’t think we’re part of the problem. We tell ourselves we’re good drivers. We can handle a quick glance at the phone...

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Why You Should Customize a Business Owner’s Policy (and How to Do It Right)

Why You Should Customize a Business Owner’s Policy (and How to Do It Right) Every business has its own rhythm, risks, and roadblocks. Yet, too many small business owners settle for a one-size-fits-all Business Owner’s Policy (BOP), assuming it covers everything they need. The truth? It doesn’t. But here’s the good news—you can customize a Business Owner’s Policy to fit your unique needs,...

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Cheap Commercial Auto Insurance: Get Affordable Coverage and Protection

Cheap Commercial Auto Insurance: How to Find Affordable Coverage Without Sacrificing Protection Imagine you’re a small business owner, that’s probably pretty easy. Now, imagine you are on a tight budget. Ok, also easy. It’s also easy to imagine that you rely on your work vehicle every day—whether it’s for making deliveries, transporting tools, or visiting clients. Here’s the...

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