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A lightning storm is one of the most awe-inspiring phenomena in nature, and also one of the most dangerous.  According to data gathered by various meteorological organizations, there are 25 to 40 million cloud-to-ground lightning flashes in the U.S. alone every year, and probably 138 million strikes annually worldwide. READ MORE >>

Hailstorms frequently arrive in concert with thunderstorms, and due to the increase in population and urbanization in many areas of the country, there has been a rapid increase in the number of hailstorms which cause millions of dollars (even hundreds of millions) in damages. READ MORE >>

Too many individuals do not have life insurance. The truth is that most people assume that life insurance is too expensive and feel they cannot afford it. However, life insurance is a relatively small expense compared to its benefits. Have you given any thought to what would happen to your family if you were no longer around to support them? READ MORE >>

Companies who use commercial vehicles in their business must not only have adequate insurance to cover potential accidents, but they should also have a safety program that (a) addresses driver behavior and prevents accidents in every way possible, and (b) provides documentation of training and safety measures taken in order to defend the company if an accident does occur. READ MORE >>

Whether they are actually more frequent than in the past or not, we are certainly more aware these days--thanks to television and social media--of the violent storms that hit many parts of America in the form of hurricanes, tornadoes, torrential rain and blizzards. READ MORE >>

In more than half of the United States, damage from winds and heavy wind-driven rain is a major worry.   Boulder, Colorado, for example, regularly records some of the highest wind speeds in the U.S. with winds of over 110 miles per hour (in 1971 a gust of 147 mph was clocked), while the... READ MORE >>

When people put gasoline in their cars, few of them think about everything that was involved in bringing that product to the pump.  Here are the basics of petroleum production: There are two main sectors in the oil industry, which are upstream and downstream.  Downstream activities entail the commercial aspect, e. READ MORE >>

Has this happened to you? You're driving along and without warning, the smallest stone gets kicked up from the car in front of you and before you know it, you have a chip out of your windshield. Sometimes you aren't even aware there was damage to your vehicle until you try to clean something off your window and realize it's not something on the windshield, but a crack in the glass. READ MORE >>

Today’s insurance industry is rapidly changing, with new management systems, types of coverage and marketing avenues.  Marketing your business effectively has become key to the success of any large or small business. READ MORE >>

America is going wild for Bubble Bump Soccer!  This fast-paced, fun-filled activity is sweeping the whole nation.  However, finding insurance coverage for this activity has been anything but fun for the organizers—until now. READ MORE >>

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