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How to prepare a proper summer camp


Mountain camping wooden houses

Summer camps always start from a great idea… “I love the outdoors and teaching others how to live outside. Maybe I’ll start a summer camp.” While this may be an honest and heartfelt idea, starting a safe and fun summer camp isn’t as easy as it may seem.


But what can go wrong if you have a great staff, great campgrounds and excited kids?


Well, in reality there is a lot that can go wrong. But luckily with the right preparation and insurance there are plenty of ways to lessen the likelihood that things will go wrong at your camp.


Here are 3 ways to prepare a proper summer camp:

  1. Thoroughly review the camp activities and check out the camp facilities for potential dangers to reduce the risk of camp injuries.
  2. Perform background checks on all employees, volunteers and counselors.
  3. Have campers or parents and guardians sign wavers for high-risk activities like football or horse back riding.


In addition to taking the precautions above, it’s also important to make sure that your summer camp is covered with the right insurance in case something occurs that is out of your control.


A summer camp insurance policy will help a lot in protecting you and the camp from any liability issues you may face and any potential costs from injuries that may happen to campers or staff.


What type of insurance is needed for summer camps?


Before purchasing your insurance, shop around and get a few different quotes from insurance companies to compare pricing and coverage.


A well-rounded summer camp insurance policy will provide general liability and accidental medical coverage, in addition to property damage, workers compensation and business interruption coverage.


Having the right insurance will take a huge burden off your shoulders and will allow you to focus on the fun details like games, daily activities and creating fun memories for all your future campers.




How to Protect Your Online Business from Copyright, Data Breach & Data Loss


man with head down


In today’s world, everyone is online. Believe it or not, most children under the age of 25 will never know what it is like to live in a time where there was no Internet. It’s amazing to think about. The world of the Internet has not only changed the way people operate, but it has changed the way the business world operates too.


Having a business online means there are many different types of risks and threats to worry about. A traditional brick-and-mortar store owner needs to worry about someone throwing a brick through their window or vandalizing their sign, whereas an online business owner needs to worry about their hard drive crashing, copyright infringement, or encountering a hacker that steals all their data.


How do business owners protect their online businesses?


Standard business insurance policies won’t provide the exact protection that an operating internet-based business needs, but information technology liability insurance can.


For example, what if an employee places a copyrighted image on your homepage without the owner’s consent? Or what if someone hacks into your website and makes it no longer operable? In both of these instances, information technology liability insurance will come into play.


Here is what information technology liability insurance can provide protection against:

  • Computer viruses
  • Hacking and cyber liability
  • Industrial espionage
  • Denial of service attacks
  • Data breach and data loss


How to keep your insurance up to date

The online world is a new world that is ever evolving. As an online business owner, it’s important to stay up-to-date with the most recent risks to your business and make sure that you are protected.


It takes a lot of work to put a business together and to make it successful. Talk with your insurance agent (844-272-3420) and double-check that your policy includes protection for threats to your online business.




How to Have a Safe Fourth of July at Home


Fourth of July is just around the corner, meaning it’s time to break out the grill, bake your best bean dip, throw some beer on ice and get ready to celebrate!



It’s amazing to see how American people celebrate their love and hope for this country every year, and in fact, Americans have been celebrating this country before it even was officially a country!


The first fireworks show celebrating independence was in 1777, years before the war would be over. Back then, fireworks were a symbol of hope in a dark time and a reminder of the great potential and opportunity America could offer.


That message remains true today – we celebrate the great country America has become and also celebrate all the potential and opportunities that await.


Celebrate America and stay safe with your fireworks this year!

Whether it’s a burned finger, or a burnt-down house, there’s always some looming accident waiting to happen whenever a firework is lit up. So, if you plan to use fireworks this year here are some safety tips to keep in mind.


Never ever let children use fireworks without supervision. Sparklers can be fun and exciting, but they are also easy to drop or accidentally burn someone with. In the case that does happen, be sure to keep a water hose or a bucket of water nearby in case someone needs to stick a burnt finger in water, or if a rogue firework needs to be doused.


Sometimes fireworks don’t go off when they are lit, this is know as being a “dud”. If this happens, don’t try to relight them. Wait at least 20 minutes then soak them in a bucket of water to make sure they are really out and won’t light up unexpectedly.


Since fireworks can do unexpected things, make sure that all spectators are standing or sitting at a safe distance far enough away to avoid being hit if a firework ends up being bigger than expected or moves around when lit.


Celebrate and Stay Safe!

If you follow these simple safety procedures, the odds of an injury or burning a house down are slim to none. Fireworks are meant to be enjoyed – the beautiful displays in the sky remind us to celebrate our victories and look forward to the future.


If you follow these simple safety procedures, the odds of an injury or burning a house down are slim to none, just remember to always keep safety in the back of your mind.


Happy Fourth of July!




What is Livestock and Crop Insurance and do I need it?


America runs on farmers – they feed our nation and the rest of the world. There are millions of farms, from large agribusinesses to small family farms that have been handed down from generation to generation, but no matter what the size or type of farm, each and every one can benefit from the right insurance.

farm land


No matter if you run a cattle operation or harvest row crops, there is an insurance coverage plan out there than can help insure your financial stability in case of bad weather, sick animals or a diseased crop.


How Do I Cover My Livestock and Crops?


Livestock Insurance: Most farm coverages provide protections for your animals. You can choose from blanket coverage (coverage up to a specified coverage amount), or you can make a schedule of the high value animals you want to cover in the event of death. (This would make sense for a well bred stud, or bull that your breeding operation depends on.)


You can also have a combination of blanket and specific coverage. Covered losses include death by accidents and other events. To have coverage for animals that pass away due to sickness or disease, you need animal mortality insurance. This insurance is available as blanket or schedule and covers high-value cattle, horses and other animals as well.


Crop Insurance: Crop insurance protects you if you have a crop loss due to an unavoidable natural disaster, weather event, or disease. You can also protect your crop prices from commodity market price flippancy and can cover specific crops with a crop insurance policy.


Start Protecting Your Livestock and Crops Today

Farming can be an unpredictable business due to the many factors out of your control that can threaten your livelihood and success.  Weather, natural disasters and the market can all pose risks, but the right insurance can help give you peace of mind and keep your operation going years into the future.





Summertime and You Know What That Means: Road Construction


iowa rcNothing puts an end to the excitement of a road trip with friends like getting stuck in gridlock traffic. Let’s just hope you or your friends have an endless playlist to get you through the orange cones and flashing sings of “ROAD CONSTRUCTION.” Will you ever get there? Will you survive the pain and devastation of waiting to arrive at your planned destination?


There are ways to get over the road construction frustration this summer, but it will require a little effort on your part.

Check for Road Construction Ahead of Time

Other than listening to traffic reports on the radio, did you know there are a variety of websites you can check ahead of time to see if there is any traffic or road construction going on along your route? Yep! Check your city’s website, your state’s Department of Transportation website or even use Google Maps to map out your route and then select the option to “Show Traffic.”


Checking ahead of time gives you the opportunity to alter your drive if possible so you don’t hit any road construction traffic.


Try to Remember Road Construction is Good!

Yes, this is a hard thing to keep in mind once you’ve been sitting in traffic for the past 45 minutes and moved 3 miles, BUT one way to make the road construction blues disappear is to remember that road construction is GOOD! The one thing that may be worse than waiting in traffic is constantly driving on a terribly bumpy road or hitting a huge pothole and popping a tire.


Help Road Construction Workers Stay Safe

Always keep in mind that those construction workers slaving away on the road are doing their job to keep the roads safe for you, your family and your vehicle. They repair deficiencies in the road, lay new smooth surfaces and help make your travel easier in the long run. Keeping your cool means you’re less likely to drive erratically and are more likely to pay attention.


Don’t Let it Get You Down!

All in all, don’t let summer road construction get you down this year. Remember to plan ahead, stay calm and that the workers on the road are there to keep you safe, so do your best to keep them safe as well.




Parents: Has Your Child Moved Out? Here are 3 Reasons They Need Their Own Auto Insurance.

parents waving goodbye to their kidsAs a parent, having a child who is able to live independently and successfully is a great feeling. It’s a sense of accomplishment – you did your job raising your child to be the strong person they are.


There’s nothing wrong with helping them once they have “left the nest” such as paying for groceries every now and them, helping them furnish their new apartment or leaving them on your insurance.


But, did you know that allowing your child to remain on your auto insurance may cause more problems if there is an accident than protection?


Why does your child need their own auto insurance once they have moved out?

Under most personal auto policies, the definition of an “insured” includes “family members.” While child is a family member by any other definition, in the world of insurance family members are limited to “a person related to you by blood, marriage or adoption who is a resident of your household.”


So, now that your child has moved out and is living on their own, they no longer meet the “family member” status and they may no longer be insured on your auto insurance policy. You may have them listed as a “permissive user” on your insurance, but this still leaves a lot of gaps in coverage.


Here are 3 Instances your moved-out child won’t be covered by your auto insurance:


1. Let’s say your son borrows his roommate’s truck to run a quick errand and accidentally rear ends another vehicle and causes minor injuries to the other driver. Your son won’t be covered with liability coverage for the other driver’s injuries or for the property damage to the other vehicle.


2. It’s summer and your daughter and a few friends have decided to rent a vehicle to take an epic roadtrip. She decides not to buy rental insurance from the rental car company — she won’t be covered for any property damage if there is an accident.


3. If your son is driving with a friend who doesn’t have insurance and gets in an accident, he won’t have any medical coverage for his injuries from the car accident.


Protect your child and yourself with their own auto insurance policy


Without coverage from an auto insurance policy your child will have to pay those expenses from their own pocket and you may have to help. It’s in your child’s best interest (and your pocket book’s best interest) for your child to have a personal auto insurance policy in his or her own name. They’ll have the protection they need and it could prevent potential financial difficulties that could easily follow an accident.




Six Signs You Need Insurance for Your Home-Based Business


home officeSo you just started your own business, congratulations! You’ve got a few clients, money is coming in and you are basking in your entrepreneurial success – what could go wrong? While you may be great at running your business, there are still things that can occur that are out of your control. If something happens, will your home or property insurance provide coverage?


Many of those entrepreneurs think their homeowners’ insurance policies cover their business needs when the unexpected happens, but the reality is that most homeowners’ policies don’t.


Homeowners insurance provides a limited amount of coverage for business equipment, but most standard homeowners’ policies exclude coverage for businesses operating in the home. Most policies don’t cover lost data, lost income or liability. How do you know when you need additional business coverage?


Here are 6 signs you may need insurance for your home-based business


  1. Does your homeowners policy limit coverage of business equipment? Most homeowners policies restrict coverage, and some even consider operating a home-based business a violation of the policy terms. Check your policy to ensure your equipment and business itself is covered.
  2. Do you have an office but work from home? You may need additional coverage to help protect yourself from work-related incidents that occur in your home.
  3. Do business contacts or employees visit your home, or do you do business in their homes? Many home-based business owners are surprised to learn that their homeowners policies often don’t cover third-party injury claims related to their work.
  4. Do you keep business data at home? Whether printed out or on a computer, security hackings and technology failures leave companies susceptible to lost income and client lawsuits. Insurers offer policy options that can help protect home-based businesses in these instances.
  5. What type of business are you running in your home? Your home business must comply with all federal regulations, health codes and city and state regulations. Failure to do so could make your existing coverage void.
  6. Does your business require you to drive? You may need a separate business auto policy. Your personal auto policy may not cover you if you are in an accident while visiting clients or using your car for other business purposes. Also, if you have employees working for you, you may need workers’ compensation coverage.


What’s Next?

Check with your insurance agent to see what policies make the most sense for your business. The right business insurance policy can help protect you against many of the common issues at-home business owners face. Running your own business takes a lot of work, make sure that you have the right insurance policies in place to avoid any setbacks to your success.  Still need more information?  Call us at this number and we’ll see how we can help. (844) 272-3420





So You Own a Firearm. Do You Have Insurance?


hunting firearm

You’re a master of the shooting range, a hunter that out hunts every other hunter alive, the shooter who is known for having a “perfect shot” every time . . . so why would you need to worry about accident insurance coverage?


Well, the truth is, no one is perfect. Accidents happen, and it’s important to be prepared. Being prepared protects your pocket book and your right to own a firearm.


Let’s say there’s an accident during a recreational shooting session, or you need to use your firearm as an act of defense, there are instances where you can be held liable for your own injuries, or the injuries of your perpetrator in question.


Three types of insurance policies to have if you own a firearm:

#1 – Civil Liability

In some cases of defending yourself using your firearm, the perpetrator or their family can make a claim against you for monetary damages. Civil Liability policies provide legal defense coverage, and coverage in case you are required to pay the monetary damages.


#2 – Criminal Defense Reimbursement

In rare cases, a motivated prosecutor can charge you with criminal activity. Criminal Defense Reimbursement policies cover the cost to defend yourself in court and then later be acquitted of the charges.


#3 – Personal Liability

The policy provide coverage of unintentional injuries while using the firearm for recreational use – i.e. hunting on public or private lands, in shooting competitions, at a gun club, etc.


Talk to your insurance agent about the policy that is best for you – while you may not need all 3 of these, it’s worth looking into to protect your pocket book and yourself.




It’s Getting Warmer: What You Need to Know Before Going for that Motorcycle Ride

guy on a motorcycleAs a motorcycle owner, and just like an owner of any vehicle, you know that you are at risk of being in or causing an accident, which is why you have purchased insurance! Included in that insurance is liability coverage and it’s important that you know the limits set on your policy to make sure you’re not caught in never ending payments should an accident happen.


What will my liability coverage pay for?

Here is one scenario where liability coverage will come into play. Let’s say that you run a red light and accidentally hit the drivers side of a passing car, causing damage to the door. Next, the driver of the car goes to the emergency room because of a broken leg and requires medical treatment including surgery and rehabilitation. Then, the driver sues you because of the accident. Luckily – your liability coverage will pay for this. However, how MUCH your liability coverage will pay for in each of the situations above depends on the limits that are set for your policy.


How do motorcycle liability limits work?

Each motorcycle liability insurance policy has three parts:

  1. Bodily injury for one person
  2. Bodily injury for all persons involved
  3. Property damage


Each one of these components has a limit that depends on the type of coverage you choose.


For example, if you buy an insurance plan with 30/60/15 limit, your insurance company will pay up to $30,000 for one person’s medical treatment, up to $60,000 for all medical expenses combined, and up to $15,000 for any damage to property.


Let’s pretend, from the first situation mentioned above, that the car you crashed into is a foreign imported car and the damage to the door is more costly that you had imagined it would be – the door is dented, the frame is bent and major works needs to be done. The passenger, while thankfully she is okay, suffered from a broken leg and will need 4 weeks of rehabilitation work to walk normal again. Your bills may look something like this:


The total cost for  car door repairs is $15,000

The cost for medical treatment is $80,000


Based on your 30/60/15 limit, Your property coverage is $15,000 and your bodily injury coverage is $60,000 — you would be responsible for the remaining $20,000 out of pocket.


Protect your pocket book and get some peach of mind

Check into your liability limits. If you think they are too low or if you are are unsure what the best amount is, talk with your agent for insight on adjusting your policies.


Accidents happen -everyone knows that- Just make sure your financial stability won’t be jeopardized because of it. You can always call your agent to double check on your policy, or you can also contact us (844-272-3420) to find the surest answers.




Be an Eye-Witness to the END of the Civil War


Take a trip back in time at the Sesquicentennial Commemoration of the Battles of Fort Stedman and Appomattox in Keokuk, Iowa. 


*photo credits:

re-enactment battle

It’s been a long standing tradition in the city of Keokuk as well as for myself and my family to attend these events where residents go to pay remembrance to the lives lost, and the great victories of the Civil War.


Join us in the Sesquicentennial Commemoration of the Battles of Fort Stedman and Appomattox April 24-26. Complete with realistic battle reenactments, performances in the Grand Theatre, and live music, this is one weekend a history fan of any age won’t want to miss.

Why are the Battles of Fort Stedman and Appomattox Important?

Battle of Fort Stedman

Fort Stedman is known as one of the last confederate offenses of the Civil War. As a last-ditch effort to win the war, General Robert E. Lee banded together nearly half of his army in an attempt to break through General Grant’s Petersburg defenses, hoping to get into his supply depot at City Point.


The battle ended up being a devastating loss for General Robert E. Lee’s army, and set the confederate army up to be defeated at Five Forks on April 1 and Petersburg on
April 2-3.


Battle at Appomattox

Following a series of lost battles, the confederate army was weak and exhausted. After many days of writing to each other, it was on April 9, 1865 that General Lee and General Grant exchanged notes and finally agreed to meet in the village of Appomattox Courthouse.


It was here that General Lee surrendered the Civil War to General Grant. Their final meeting lasted nearly two-and-a-half hours and pulled the curtain on the bloodiest war in American history to a close.


Remember the Civil War that Shaped America

Through out the entire weekend, visitors are welcome to tour military camps, visit Sutlor’s Row, enjoy delicious food and perhaps take a stroll with President and Mrs. Lincoln!


The activities begin on Friday, April 24 at 7:30 pm with a performance of “Destiny at Appomattox” and “An Evening with the Lincolns” at the Grand Theatre.


Saturday guests can spend all day taking a trip back in time with the Ladies Tea and Style Show, a Skillet Throwing Contest, the Battle of Fort Stedman reenactment, ending the day with the military ball.


Sunday begins with a 9:30 am Memorial and Worship Service at the Keokuk National Cemetery followed by the main stage event, the Battle of Appomattox.


For more information and for a complete schedule of the weekend events visit .





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