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Tuesday, September 21, 2021

15 Common Questions About Life Insurance Life isn’t one-size-fits-all – and neither is life insurance. Planning for the future can feel exciting and scary at the same time. Whether you’re buying your very first policy...

Tuesday, September 7, 2021

Do I need Earthquake insurance if I live in Kentucky? Earthquakes can cause a great deal of damage that won’t be covered under your homeowners, renters or condominium insurance policy. Your home is insured for earthquake damage...

Tuesday, August 31, 2021

What to Know About Workers’ Compensation and Working from Home In the midst of this pandemic, you may have found yourself among the 63 percent of Americans working from home. A recent Gartner poll predicts that 48 percent of...

Tuesday, August 24, 2021

Ways to Kick Your Texting and Driving Habit Every driver ‒ and every passenger ‒ expects to reach their destination safely. But picking up your phone to read or answer a text while you’re behind the wheel puts everyone’s...

Tuesday, August 17, 2021

What Is a Guaranteed Insurability Option and Why Do You Need One? When you’re young, life insurance is probably the last thing you think you need. Life insurance isn’t (and never has been) an easy topic to talk about....

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Tuesday, August 10, 2021

C4 Fire Prevention Tips for Your Business Reducing the risk of a potential fire at your business is one of the most important things you can do to help protect your customers, employees and property. The U.S. Fire Administration...

Tuesday, August 3, 2021

15 Common Questions About Life Insurance Life isn’t one-size-fits-all – and neither is life insurance. Planning for the future can feel exciting and scary at the same time. Whether you’re buying your very first...

Tuesday, July 27, 2021

What Determines Car Insurance Rates? Your auto insurance premium is based on more than your driving history. The amount you pay for auto insurance is determined by a complicated algorithm that takes many factors into consideration....

Tuesday, July 20, 2021

Disability and Your Finances The Social Security Disability Insurance program is projected to pay out approximately $133 billion in benefits in 2020. And with new applicants each year, the system is expected to exhaust its reserves at...

Tuesday, July 13, 2021

Insuring Your Second Home An estimated 721,000 vacation homes sold last year. When it comes to insuring your second home, you may find that the coverage you need is quite different from what you have on your primary home. The Unique...

Tuesday, July 6, 2021

WHAT TO LOOK FOR WHEN CHOOSING A CONDOMINIUM ASSOCIATION INSURANCE AGENT? Selecting the right insurance agent for your condominium association is a very important step in protecting your association. Your association, Board of...

Tuesday, June 8, 2021

McDaniel Insurance Agency, located at 617 Main Street, is pleased to announce that we have been newly appointed with Erie Insurance. Erie Insurance specializes in commercial and personal insurance. Erie has programs for businesses and...

Tuesday, June 1, 2021

Q&A: Does My Insurance Cover Tornado Damage? by Justin Metz on April 30, 2021 Few weather events can cause sudden, widespread damage like a tornado. From broken tree limbs and flying debris to houses lifted from their foundations,...

Tuesday, May 25, 2021

Auto Insurance- How to Handle a Hit-and-Run Accident by Erie Insurance Getting in a car accident is enough to ruin anyone's day. But if you’re involved in a hit-and-run, the experience can be especially disorienting. You realize...

Tuesday, May 18, 2021

Are You Covered When an Employee Claims Harassment or Discrimination? by Erie Insurance on May 26, 2021 You probably never want to imagine a situation in which an employee, a former employee or an employment candidate sues your...

Tuesday, May 11, 2021

Insurance Needs Assessment: When You're Young and Single The transition to adulthood is an exciting new stage that marks true independence. You may have graduated college, taken your first job, and even rented your first apartment....

Tuesday, May 4, 2021

Insurance Needs Assessment: When You're Newly Married Marriage changes everything, including insurance needs. Newly married couples should consider a comprehensive review of their current individual insurance coverage to determine if...

Tuesday, April 27, 2021

Insurance Needs Assessment: Married With Children A growing family, by definition, means growing financial obligations—both present and in the future. Raising children can increase your insurance needs and heightens the urgency...

Tuesday, April 20, 2021

Insurance Needs Assessment: For Empty Nesters and Retirees With the children now out of the house, financial priorities become more focused on preparing for retirement. At this stage, you may very likely be at the height of your...

Tuesday, April 13, 2021

Outdoor Grill and Heating Safety for your Condominium Association or Apartment Cooking with grills on decks and balconies of residential buildings can result in fires that put the building and its occupants at risk. The National Fire...

Tuesday, April 6, 2021

Non-Owned Auto Liability Whether you are a small or large business, association or another non-profit, non-owned auto liability should an additional coverage that an entity should consider adding to their insurance policy. Non-Owned...

Tuesday, March 16, 2021

Does Your Credit Score Affect Your Insurance Rates? One landmark study found that credit-based insurance scores are used by about 95 percent of all auto and home insurers in calculating the cost of insurance to individuals.¹ While...

Tuesday, March 9, 2021

Keep Your Umbrella Handy In 2019, the U.S. had a record 11.8 million millionaires, up from 11.5 million in the previous year. An increase in personal wealth may bring greater financial flexibility; it may also bring greater liability....

Tuesday, March 2, 2021

A Look at Whole Life Insurance Whole life insurance is designed to remain in force for your whole life, as long as you remain current with your premiums. In exchange for fixed premiums, the insurance company promises to pay a set...

Tuesday, February 23, 2021

What You Should Do About Insurance Following a Divorce Divorce can be an emotionally and financially challenging life event. In the face of the many possible adjustments divorce entails, making changes to insurance coverage may be...

Tuesday, February 16, 2021

Fidelity and Crime Insurance Fidelity and Crime insurance addressed the most common threats to organizations, including losses due to employee dishonesty, credit card forgery, embezzlement, false invoicing, computer and wire fraud....

Wednesday, February 10, 2021

Fallen Tree Damage—Who Pays? As a homeowner, are you responsible for the damage caused by a tree on your property that hits your neighbor’s home or other insured structure, such as a garage or shed? In most cases, the...

Tuesday, February 2, 2021

Condominium Association Insurance vs. Condo Unit Owner Insurance Of the many things your association assessment pays for, insurance, is one of the most important. Association governing documents and state law require the association...

Saturday, January 30, 2021

Errors and Omissions Insurance Errors and Omissions (E&O) insurance has many names. For some healthcare professionals, it’s called malpractice insurance. For lawyers, it may be called professional liability insurance. Whatever...

Tuesday, January 19, 2021

Buying Auto Insurance For Teen Drivers Driving may be a rite of passage for teenagers, but for parents, having a teenage driver can be stressful and expensive. Your child will need auto insurance coverage as soon as they receive their...

Tuesday, January 12, 2021

Protecting Your Business from the Loss of a Key Person Charles de Gaulle once remarked, “The graveyards are full of indispensable men.”¹ While we know that life goes on regardless of the loss of any...

Tuesday, January 5, 2021

A Home Insurance Claim: To File Or Not To File Insurance is meant to protect you against financial loss. But is it really meant to protect you from any and all financial loss? When it comes to filing a loss claim on your home insurance...

Thursday, December 31, 2020

As we welcome 2021, our team at McDaniel Insurance would like to extend to you our commitment to provide you with the insurance support you need for your personal and/or business insurance needs. We commit to listen carefully to your...

Tuesday, December 29, 2020

For small business owners, the line between the personal and their business can be a bit hazy at times. Yet, when it comes to a vehicle that may be used for personal and business-related reasons, it’s important to know how your...

Wednesday, November 11, 2020

Life insurance is designed to help protect a household from the financial hardships that may follow the untimely death of a primary wage earner. But how will a death affect a small business? One way of safeguarding a business is to...

Thursday, November 5, 2020

Purchasing home insurance in Shelbyville, Kentucky is not only critical for protecting your home and personal property against any potential liability; if you have a mortgage, your lender will require it. What’s Covered A...

Tuesday, October 27, 2020

As the owner of a condominium unit, your insurance needs are different from other homeowners. A condo association’s master insurance policy typically insures most of the building and common areas. The extent of the building...

Tuesday, October 20, 2020

Insuring Your Business Against Cyber Liability One study found that 43% of cyber attacks target small business, and 60% of small companies go out of business within six months of a cyber attack.¹ Business owners are also required...

Tuesday, October 6, 2020

The questions around auto insurance center not so much on whether to have it—it’s mandated by state law, required by your lender, and serves to protect your assets—but what kind of coverage you should purchase. Types...

Monday, September 28, 2020

INSURANCEREAD TIME: 4 MIN Assess Life Insurance Needs If your family relies on your income, it’s critical to consider having enough life insurance to provide for them after you pass away. But too often, life insurance is an...

Wednesday, July 29, 2020

Purchasing condominium association insurance is one of most important buying decisions a board will make for their association. The decision must take into consideration requirements of governing documents, expense and coverages to...

Wednesday, July 22, 2020

Understanding your home insurance deductible. Flat deductible vs. percentage deductible? Most people don't have the time (or desire!) to fully understand their insurance policies. While it can be rather dull reading it is important...

Tuesday, February 4, 2020

Loss Assessment Coverage is not like other property coverages. Loss Assessment Coverage – What is it? Homeowners or Condo owners may be subject to mandatory membership in a homeowners or condo association. These associations...

Wednesday, January 22, 2020

You can hear the clock ticking...you take a look at it and its 2 am! You just can’t fall asleep. Why? Your Condo Association had a very heated meeting tonight regarding roof replacement. The Board Treasurer wants to use the...

Friday, April 12, 2019

April is Distracted Driving Awareness Month. Let’s unite together to End Distracted Driving. Individually, we can all commit to not drive distracted. Driving distracted is certainly not just limited to texting and driving. It is...

Friday, February 22, 2019

We actually Like Insurance! We Like our Clients too & Appreciate them! We wouldn’t have an Agency without our Clients! (many businesses in the service industry forget about that teensy little fact) (: We’re independent, so...

Monday, February 4, 2019

You’ve heard the saying “You get what you pay for”. This is often true in the insurance industry. Whether it’s your auto insurance, home insurance, business or farm insurance if all of your insurance purchase...

Tuesday, January 29, 2019

What does this mean you ask? To us, it means many things…. First of all, you deserve a local insurance agency that you can TRUST! Of course, Trust is a vital component of any healthy relationship and your relationship with your...

Wednesday, August 26, 2015

In today’s unsettled economy, many people are looking for ways to stretch their money—but sometimes this includes altering insurance coverages to dangerously low levels or eliminating coverage entirely. If you’re...