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Beal & Winn Insurance Agency, LLC Blog: policy

View the latest blog posts from Beal & Winn Insurance Agency, LLC.

This is a great question, and one that our customers ask frequently. The experience rating modifier is the one area where an employer’s efforts can significantly reduce premium cost. Experience rating is the interaction of claims management and insurance pricing. READ MORE >>

Every day there is some personal accounting task for you to worry about. Did you pay the power bill? How about the cable bill? Got the life insurance paid up? What about home insurance, auto and disability? Oh, and don’t forget to take care of the cell phone bill. READ MORE >>

If you have a business manufacturing, selling, or serving alcohol, then you need to obtain liquor liability insurance as most general liability policies will not cover the exposures you face.  Liquor liability protects your business against damage or destruction claimed as a result of a customer of your business becoming inebriated and hurting themselves or others. READ MORE >>

Why do I have to carry so much insurance on my home? This is a great question, and one that our customers ask frequently. For one thing, we believe you should have an amount of insurance that is sufficient to rebuild your home – probably your largest investment – in the event it is totally destroyed by a fire or tornado. READ MORE >>

My son is leaving home to attend college this fall.  Will my auto and homeowners insurance policies cover him while at college? This is a great question, and one that our customers ask frequently. When college students move from home to their home-away-from-home - a rented dorm or apartment – insurance issues can arise and should be addressed before they leave home. READ MORE >>

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