June National Insurance Day

Each year is filled with many wonderful holidays. Every June 28th, is a very special day to insurance agents; it is National Insurance Awareness Day!

National Insurance Awareness Day might not be celebrated with fireworks and birthday cake; however it serves as an important reminder to take the time to review your current insurance policies and to update your insurance policies to cover all the people and things that matter the most to you.

No one ever thinks they will be in an accident, have a house fire, or valuables be stolen. Yet it happens and it happens every day. One day it might happen even to you! Ensure you have a comprehensive insurance plan that protects you and what is valuable to you from the unknown and the unexpected.

Celebrate June 28th by giving us a call at 269-925-0611; Monday to Friday 8:30 am to 5:00 pm or by visiting our website at Flaugh.com. Let one of our experienced insurance agents review your existing insurance policies to learn about how to protect what matters the most to you. Give yourself the best gift this June; call our office at 269-925-0611.

                                                                                  Happy National Insurance Awareness Day!

We service all of Southwest Michigan areas such as: Benton Harbor, St. Joseph, Coloma, Watervliet, New Buffalo, Baroda, Bridgman, Stevensville, Berrien Springs, Hagar Shore, etc.

May is Small Business Month

May is Small Business Month. At Flaugh Insurance, we want to celebrate our local small businesses in Benton Harbor, St Joseph, Coloma, Watervliet, Stevensville, and surrounding areas. We praise the efforts and dedications of small business owners and their staff. Please support all the locally owned stores, restaurants, boutiques, auto mechanics, and even your local independent insurance agent.

Flaugh Insurance has been owned and operated in Benton Harbor since 1943. As a third generation family business owner, I have lived and worked in this community my entire life. I love being part of the Southwest Michigan community. My grandparents started Flaugh Insurance over 78 years ago and I grew up knowing how important the role of being a business owner is in a small community. I value all friendships and relationships I have developed over the years, and I am thankful to continue on the family business.

The staff at Flaugh Insurance are more than your insurance agents; we are your friends and neighbors. We take pride being active and supportive members of our community. We purchase Girl Scout cookies from local troops, volunteer prepping food for the Benton Harbor Soup Kitchen, sponsor library reading programs, and donate to school programs.

As a small business owner we need the support of the community and the community needs support from us. Supporting local businesses and each other keeps our area growing and thriving.

 

Thank you,

Cory Flaugh

Winter Driving Tips

CHECKLIST FOR SAFE WINTER DRIVING

 

  1. Check your battery. When the temperature drops, so does battery power. It takes more power   to start your vehicle in cold weather than in warm.
  2. Make sure you have enough coolant in your vehicle. When coolant freezes it expands. If the coolant is low, it will expand and potentially damage your vehicle’s engine block beyond repair
  3. Be sure you have enough windshield wiper fluid and that you use “no-freeze” fluid. You can go through a lot of windshield wiper fluid quickly in a single snowstorm.
  4. Check your windshield wipers. Replace the blades if warn. Safe winter driving depends on maintaining the best visibility possible.
  5. Inspect your tires. Check the tire pressure & make sure each tire is filled to the vehicle manufacturer’s suggested PSI (pounds per square inch). This information is listed on the label inside the driver’s door. Keep a tire pressure gauge in your vehicle.

TIPS FOR SAFE WINTER DRIVING

  1. Every vehicle handles differently especially when driving on wet, icy, or snow-covered roads. Drive slowly & increase your following distance enough so that you have plenty of time to stop.
  2. Know what kind of brakes your vehicle has & how to use them properly. If you have anti-lock brakes, apply firm pressure. If you do not have anti-lock brakes, pump the brakes gently.
  3. If you start sliding, stay calm & ease your foot off the gas & carefully steer the vehicle in the direction you want the front of your vehicle to go. This procedure is known as “steering into the skid”, which will bring the back end of the vehicle in line with the front.
  4. Check the weather & road conditions before you leave. Plan to leave early if necessary & plan an alternative route, if necessary, to get to your destination safely.
  5. Carry items in your vehicle that you may need in an emergency – blankets, hats/gloves, water/food, snow shovel/broom.
  6. If you are stalled in your vehicle, stay with your car – don’t walk somewhere to try & get help. While in your vehicle, do not run it for a long period of time with the windows up to avoid carbon monoxide poisoning. If you must run the vehicle, be sure the exhaust pipe is clear of any snow. Only run the vehicle long enough to get warm.

Remember, we are an independent, family owned, local agent who writes with several national carriers. We can service all of your insurance needs no matter where you are located - Benton Harbor, St. Joseph, Stevensville, New Buffalo, Hartford, Coloma, Watervliet, Berrien Springs, and many more! Call our office today to review your insurance!

 

 

Springtime Fun?

The sun is shining, the flowers are blooming, and the birds are singing. This time of year, we hear another welcoming sound of spring, it is the roar of engines. If you rev up a motorcycle, classic car, ATV, or speed boat; protect your prized possessions with Flaugh Insurance Agency.  

All the time you spend washing and waxing your valuable ride will not prevent an accident from happening. Yet you can be prepared to take your ride out with a comprehensive insurance plan and hit the open road and waters. 

Many people assume their home and auto policies will extend to cover their recreational vehicles and boats. Many times, this is not the case. A specialized policy is needed to provide your ride with complete coverage and to protect you from risk if your ride is damaged or involved in a loss. Typically, insurance policies fall under three categories: liability coverage, physical damage coverage, and medical payments coverage. A personalized insurance program can reduce your financial responsibility for: 

  • Medical Bills 
  • Injury to others 
  • Total Loss 
  • Property Damage 
  • Collision

Your valuable ride is worth more than just basic liability insurance and so are you! At Flaugh Insurance Agency, a team of experienced insurance agents can create a customized policy that can get you out of the garage and out riding on the roads and waters you belong on. 

Give one of our experienced agents a call at 269-952-0611 or visit Flaugh.com for more information.  

We service all of Southwest Michigan areas such as: Benton Harbor, St. Joseph, Coloma, Watervliet, New Buffalo, Baroda, Bridgman, Stevensville, Berrien Springs, Hagar Shore, etc.

Wherever you are, call our office! 

Are you confident in your Commercial Insurance?

8 Steps to be Confident in Your Commercial Insurance

You work hard to grow your small business but it doesn’t feel small to you. To you, it’s your livelihood and your legacy. We get it. We know you work hard to build it, so it makes sense you want to protect it with the best commercial insurance.

So, how can you be sure that your commercial insurance policy is the best fit for your business? Here are eight steps you can take to feel like the confident and successful business owner you are.

  1. Meet with an expert – Your local, independent insurance agent

An independent insurance agent understands your business needs because they run a business too. One of the best things you can do is contact your local, independent insurance agent. The reason this is first on our list is because of all the advantages that working with an independent agent provides business owners. To name a few:

  • Local support from somebody you know. If you need to file a claim you will know whom to call. Not to mention, if you have questions about your policy you can call your agent rather than waiting on hold for what feels like forever.
  • Local-area expertise. They understand the insurance needs specific to your area because they live and work in your community.
  • Expert advice and guidance. An independent insurance agent will review your business’ operations to find you the best coverage.
  • Support your community. You are supporting a fellow local business when you work with an independent insurance agent.
  1. Evaluate all your business’ services

You’d be surprised how many business owners forget to consider all the services they offer when shopping for their insurance. For example, a restaurant that also has food trucks. While they may only use their food trucks for part of the year, it’s important that the trucks and equipment are properly insured. A policy that only accounts for their restaurant may not cover a claim for their food trucks. The restaurant and food trucks require unique coverages that need to be included in their policy.

 So, take the time to evaluate the services you offer. Nobody wants to file a claim and discover that their policy didn’t account for part of their business’ services. Talk it over with your independent agent. In some cases, your agent will be able to get your business’ services accounted for in the same policy.

  1. Factor in replacement cost to set your policy limits, rather than the market value of your business’ property

Many business owners buy insurance with limits that are the approximate market value of their business’ property. Remember, you are not insuring your building's market value. Instead, you want your insurance to cover the cost to rebuild your building after a covered loss. This is called replacement cost.

Replacement costs can be higher than the market value. So, it’s important to select a limit that will cover the replacement cost. Otherwise, you may be underinsured. Your local, independent insurance agent will be able to walk you through these limits or evaluate your current policy.

  1. Don’t forget liability coverage for your business

Liability coverage is crucial for businesses. Injuries and false advertising are just a couple situations in which your business will be grateful to have liability coverage. It’s hard to put a price tag on this because of how much these situations and legal proceedings can vary. So again, we recommend discussing your potential liability risks with your independent agent.

For contractors, your liability limits are often required by contract with set limits. However, it may be worthwhile to consider additional coverages like Voluntary Property Damage to Others and Errors & Omissions.

  1. Be aware of the environment that surrounds your business

Is your state prone to lawsuits? Does your area flood often? What kind of storms and big weather events come your way? Knowing the environment can help you objectively evaluate what additional coverages and limits may be best. 

  1. Consider cyber liability coverage even if you don’t sell your goods or services online

Generally, your commercial general liability policy will not cover a data breach. Even if your business doesn’t sell goods or services online, you have valuable personal information that hackers may want. Many network hacks start with some sort of phishing scam to infiltrate your network, often through your employees.  Imagine if a client's personal or financial information is stolen from your network – you may be responsible! Consider the cost of losing all the credit card numbers in your business’s database, not to mention the cost to your business’s reputation. Cyber liability insurance is a coverage you want to have before a data breach occurs. 

  1. Take advantage of multi-policy discounts

Most insurance companies offer a discount when you purchase more than one policy with them. For example, we offer multi-policy discounts for commercial policies and personal policies. Beyond the cost savings, a multi-policy discount streamlines your bills and renewals. Who doesn’t love a little more time in the day? It also helps you avoid gaps and overlaps that can happen when you have policies with multiple insurance companies.

  1. Check the financial stability of the insurance company

Your insurance policy is only as good as the insurance company behind it. You want a company that is established and will not go out of business after the next big storm. Financial rating services, like AM Best, evaluate and then rate insurance companies’ stability.

Maybe it is time to review your policy? Call our office to discuss your options. We can evaluate your current program, make coverage recommendations etc. This can be done electronically if you prefer given the current social climate.

We provide all types of insurance needs with numerous carriers in the Benton Harbor, St. Joseph, Coloma, Watervliet, Stevensville, Bridgman, and New Buffalo areas as well as many others in the tri-county area. We are always available to help!

*Shared from one of our company pages: Auto-Owners from their blog.

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