Why Your RV Needs More Than a Standard Auto Policy
If you just bought an RV, it’s natural to assume your regular auto insurance — or even a basic policy from whoever you called first — will cover it the same way it covers your car. It won’t. An RV…
The Insurance Nerd Blog
What Insurance Does a New LLC Need Before You Open Your Doors?
By Tyler Hunter Forming an LLC can help separate your business obligations from your personal assets, but an LLC is not a substitute for business insurance. The business can still be responsible for injuries, property damage, employee accidents, professional mistakes,…
Why Watches Are One of the Most Overlooked Gaps in Homeowners Insurance
Watches have become one of the most popular collectible categories in the country — and for good reason. A quality watch isn’t just a timepiece anymore; it’s an investment, a family heirloom, and for a lot of collectors, a genuine…
The cost of Insurance for a UTV or Side-by-Side.
Every year, riders drop $40,000 or more on a machine like the Polaris RZR Pro R — then call the first “1-800-Cheapest” number they find for insurance without ever asking what that policy actually covers. On a machine that size,…
Arkansas Auto Insurance: Why Higher Limits Cost Less Than You Think
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…
Is Everyone in Your Household Actually Covered? The Insurance Rule Most People Don’t Know About
Most people assume that anyone living under their roof is automatically covered by their auto policy. They aren’t. A recent Wall Street Journal article on denied auto claims noted that State Farm requires every member of the household to be…
When Your Subcontractor Doesn’t Have Workers’ Comp — And Why the Certificate You Got Might Not Save You
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 Then someone gets hurt, and you find out the certificate was outdated, the policy had lapsed, or worse — it was never…
Does an LLC Owner Need Workers Comp in Missouri?
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…
The Ghost Policy Trap
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.…
The Two Places Small Businesses Get Stuck Buying Insurance — and How to Tell If You’re in One
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…