independent insurance Archives

How Community Support Strengthens Disaster Recovery—and Builds Future Resilience

Disasters—whether natural or man-made—can leave a lasting impact on communities, families, and individuals. From hurricanes and floods to wildfires and tornadoes, these events often arrive without warning and leave behind physical destruction, emotional trauma, and financial uncertainty. In the aftermath, one of the most critical elements of recovery isn’t just government aid or insurance—it’s the […]

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Why Everyone Should Have a Rainy-Day Fund (and How to Build One)

Independent Insurance

Picture this: Your AC goes out in the middle of a Texas summer, and your bank account isn’t ready. What now? Financial security isn’t just about making money; it’s about being prepared for life’s unexpected turns. Let’s break down why a rainy-day fund matters—and how to actually build one. Protection Against Unplanned Expenses Life is

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Understanding Business Interruption Insurance: Is Your Business Covered for the Unexpected?

Commercial Insurance

It’s a fact of life for small businesses that they must occasionally consider worst-case scenarios. Years of hard work can be unexpectedly wiped out by natural disasters like fire and floods. Critical and sensitive information can be exposed or stolen by cyberattacks. In any of those events, shutting the business down for weeks or months

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What Is the Role of Cyber Liability Insurance in Protecting Your Business?

Cybersecurity Insurance

Your business likely has protections in place for natural disasters like floods and fires, as well as coverage for worker’s compensation and employee liability, among others. But are you covered in the event of a data breach? According to Forbes, 83% of small businesses won’t be able to financially recover from a cyber attack, and

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Top 5 Legal Considerations for Small Business Owners in 2025

Car insurance

As a business owner, you must stay aware of and follow many rules and regulations. This is no easy task for a small or start-up business. However, commercial insurance can help safeguard your business if you run into a legal issue. Technological advancements and new societal priorities are changing the landscape for small businesses. In

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Why Auto Insurance Is Important While Traveling During the Holidays

Auto Insurance

For many, the holidays are all about traveling to see relatives or friends. This means that ensuring you have the right auto insurance coverage before you leave home can play an important role in you and your family getting away and returning financially whole. Whether you’re planning a road trip or leaving your car parked

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Can the Summertime Heat Affect Insurance Rates?

Independent Insurance

If you’re struggling to keep cool during those scorching summer days, the good news is that your insurance company won’t raise your rates simply because the mercury in the thermometer is rising. The bad news is that summertime heat can affect your rates for home and auto insurance. This could force you to spend more

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Should I Buy Flood Insurance for My Home or Business?

Independent Insurance

Floods have impacted nearly every county in the United States in recent years. Flooding can significantly damage your home or business. A single inch of water can cause $25,000 in damage to a property. While you might hear more about earthquakes, fires, hurricanes, and tornadoes, flooding is the most common disaster in the U.S. —

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