The Term “Act of God Clause” is the most misinterpreted insurance company denial ever.   I am going to try to give some explanations and examples on how this works and when it is used. So, what exactly is an “Act…

We hear all the time from prospective clients “I had a claim with zero pay out so it shouldn’t affect me.” or “the insurance company only paid a few hundred dollars.”  The truth of the matter is these claims do…

There are a few coverages that online 1-800# insurance retailors often overlook in an effort to produce a low auto insurance rate.  Insurance buyers often request “Full Coverage Insurance” and there is a major disconnect from what they request and…

When people buy insurance online there tend to be coverage gaps, and honestly sometimes we see these gaps with live agents as well.  Purchasing insurance with a local insurance broker can help avoid these costly mistakes. Hired Auto/Non-owned auto coverage: …

Lets first understand what minimum limits are and how much they might cost. In College Mr. John Patton, the longest tenured teacher at Missouri State, explained to me that the first 1 dollar of insurance is incredibly expensive. The first…

Have You Seen The Price Of Eggs? I am sure most everyone remembers 3 years ago when eggs were $1.29  and today they are 4 or 5 times higher than that.  Unfortunately the insurance industry is not immune to the…

With school starting August 22nd for those who reside in Springfield, Nixa, and Republic school districts, and August 23rd for those in Ozark and Bolivar, it’s time to start thinking about strengthening our kids’ immune systems. School is a hot…

Your business should have general liability insurance coverage, even if it’s not required by state law. As a business owner, you need to protect your assets against any potential claim arising out of your normal course of business. In today’s…

The goal of workers’ compensation insurance coverage is to protect your business and personal assets from the medical bills associated with a workplace injury. It also gives employees peace of mind that they can sustain an income and pay their…