If you’re driving in Arkansas with just the state-required minimum coverage — 25/50/25 liability — you’re legal, but you may be exposed to more financial risk than you realize. As independent agents, we get asked constantly whether it’s worth paying…
A recent Wall Street Journal investigation into how insurance companies treat policyholders included a detail that surprised a lot of readers: several major carriers, including State Farm, now require every member of your household to be listed on your policy…
A sub tells you they’re covered. You get a certificate of insurance. Everyone moves on with the job. Then someone gets hurt, and you find out the certificate was outdated, the policy had lapsed, or worse — it was never…
One of the most common questions we hear from small business owners is whether they need to carry workers compensation coverage on themselves. If you own an LLC in Missouri, the answer has a few layers — you’re generally allowed…
What Missouri Contractors Need to Know Before Buying One. If you’re a sole proprietor or independent contractor in Missouri, there’s a good chance a general contractor has asked you for a certificate of insurance proving you carry workers compensation coverage.…
By Brandon Thompson, CWCA — CEO, MBG Insurance | Bentonville, Arkansas Northwest Arkansas might be the best place in America to start a business right now. New restaurants, new contractors, new trades, new shops, new suppliers — this region is…
You did the smart thing. You talked to your attorney, formed an LLC, and deeded your rental property into it. You put your rental in an LLC, but the insurance is still in your name. The whole point was separation…
Thinking about changing homeowners insurance companies but worried your mortgage will complicate things? Good news: switching is completely allowed, fairly simple, and often saves real money. Your lender doesn’t care which insurance company you use — they just require that…
What’s the Difference — and When Do You Need Each? Building a new home is exciting — but many future homeowners in Missouri and Arkansas are surprised to learn that a standard homeowners policy is not designed to protect a…
Protecting Your Cards, Your Store, and Your Community The collectible card business has exploded. Between vintage sports cards, graded Pokemon cards selling for five figures, and the steady popularity of Magic: The Gathering, card shops today are holding inventory values…
