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Medicare Supplement: What Is Plan G?
If you’re newly eligible for Medicare, you may find yourself struggling to wade through the alphabet soup of plan options. First, there’s Medicare Part A and Part B — also known as Original Medicare. These government...
Read MoreWhat types of Insurance should a Contractor consider?
As a contractor, there are several types of insurance you may need to consider to protect yourself and your business. The specific insurance requirements can vary depending on your location, the nature of your work, and the regulations...
Read MoreWhat is Flood Insurance?
Flood insurance is a type of insurance coverage that protects against property damage and financial losses caused by flooding. It provides compensation for losses and damages to buildings, structures, and their contents resulting from...
Read MoreTop Ten Tips for Planning for your Association Insurance in the Upcoming Budgeting Year
Inflation- we’ve all noticed the strain on our finances over the past few years with the costs of seemingly everything going up. I’m sure you’ve noticed insurance is no different, so here are some tips for planning...
Read MoreWorkers Compensation-Experience Modification Factor
How does my workers compensation experience modification factor affect the insurance premium for my business?ChatGPYour workers' compensation experience modification factor, also known as an experience mod or mod factor, can have a...
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Homeowner Insurance Coverages
Condominium Association Risk ManagementCondominium associations often engage in risk management practices to mitigate potential risks and protect the interests of the association and its members. Here are some key areas...
Read MoreCondominium Association Risk Management
Condominium association risk managementChatGCondominium associations often engage in risk management practices to mitigate potential risks and protect the interests of the Kentucky associations and its members. Here are some key areas...
Read MoreA Brief Guide to Condo Insurance
INSURANCEREAD TIME: 2 MINA Brief Guide To Condo InsuranceThe ownership structure of a condominium unit is different from that of a single family house. Here’s what you need to know when purchasing insurance for your condo.11....
Read MoreAm I Covered If I Buy a New Car on the Weekend?
It’s a Saturday afternoon and life is looking up. After weeks of searching for a new vehicle, you’ve finally settled on the right car.You completed the test drive, negotiated a good price, agreed on a trade-in...
Read MoreBoat Insurance
What is Boat Insurance and Why Do You Need It?Warm sun. Cool breeze. If you have a boat, you get it: There’s nothing like being out on the water.You cherish your boat, and the memories you make there are the reason your...
Read MoreInsuring Your Business With a Buy/Sell Agreement
Insuring Your Business With a Buy/Sell AgreementLife 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...
Read MoreProtecting Your Business from the Loss of a Key Person - Life Insurance
Protecting Your Business from the Loss of a Key PersonCharles de Gaulle once remarked, "The graveyards are full of indispensable men." While we know that life goes on regardless of the loss of any "indispensable" person, for a small...
Read MoreInsurance Risk Control Consultant
How an ERIE Risk Control Consultant Can Help YouWhen you have a business policy through Erie Insurance, you have access to a variety of resources, including assistance from a risk control consultant who can help you evaluate the...
Read More6 ERIE Auto Policy “Xtras” You Might Not Know You Have
The next time you look over your ERIE auto insurance policy, look for the “Xs” throughout the margins. These are all the “Xtra Protection Features” that are automatically included with your ERIE auto...
Read MoreTop Three Reasons Why People Buy Life Insurance
Before you get life insurance coverage, you should understand why you need it. While there are many reasons to buy life insurance, the most common reasons include:Final expenses: Final expenses refer to any expenses related...
Read MoreReplacement Cost vs. Market Value: What's the Difference?
Replacement Cost vs. Market Value: What's the Difference?If you were asked to describe the state of the housing market over the past few years, it could be summarized in one word: unpredictable.At the start of the COVID-19 pandemic,...
Read MoreMoving from a Captive Agency to an Independent Agency from the perspective of an Agent
Moving from a Captive Agency to an Independent Agency from the perspective of an Agent I started working for a local large captive Agent in May of 2022. What is a captive agent? A captive agent is an insurance agent...
Read MoreHow Long Can You Stay on Your Parents' Car Insurance?
How Long Can You Stay on Your Parents' Car Insurance?There are the exciting parts to growing up: buying your first car, furnishing an apartment to your specific style and that moment when the waitstaff doesn’t card you. Then...
Read More6 Things You Can Do Right Now to Protect Your Business Data- Cyber Insurance
6 Things You Can Do Right Now to Protect Your Business DataAs a business owner, you’ve probably heard a lot about cyber attacks when a large corporation makes headline news for a massive data breach. It’s no wonder business...
Read MoreUnderstanding Homeowner’s Insurance
Understanding Homeowner’s InsurancePurchasing homeowner’s insurance in Shelbyville, Kentucky is not only critical for protecting your home, your personal property and against any potential liability, but if you have a...
Read MoreWhy Did My Auto Insurance Rate Go Up?
Per one of our carriers-ERIE, we don’t take the price you pay for car insurance lightly. Like most companies today, we’re facing increased costs of doing business. And we know that you are facing rising costs too, on...
Read MoreAdvantages of a Career in an Independent Agency
5 ADVANTAGES OF AN INSURANCE CAREER IN AN INDEPENDENT INSURANCE AGENCY When you envision a fun and exciting career, the insurance industry may not be the first thing that comes to mind. Even if you don’t find insurance the...
Read MoreHow Does Auto Insurance Cover Parking Lot Accidents?
Parking lots can be crazy places. Whether you’re at the mall, the grocery store or even just grabbing a quick coffee… all those cars coming and going can up anyone’s chances of being in a parking lot accident...
Read MoreHOAs Should Make Insurance A Priority
Community associations are rapidly becoming more common throughout the entire United States. According to the Community Associations Institute’s most recent National and Statistical Review, an estimated 69 million Americans live...
Read MoreCar Insurance- What to Do if You Witness a Car Accident?
What to Do If You Witness a Car Accident?Approximately 5.4 million car accidents happen in the United States each year. You may know what to do if you’re involved in a car accident. But do you know what to do if you witness...
Read MoreSafety Tips for Every Condo Association
Posted on February 28, 2022 by Kevin Davis Insurance ServicesAll condominium associations need comprehensive risk management plans. Board members must be highly attentive to matters involving security and potential threats to...
Read MoreRisk Management Strategies for Condo Associations
Risk Management Strategies for Condo AssociationsManaging risk in condo associations is one of the most important parts of daily operations. This helps to maintain the viability of a business, which is what a condo association...
Read MoreCan I get Life Insurance with Health Conditions?
Life Insurance and Health Conditions: A Deal Breaker?Whether you’re a young adult, stay-at-home parent or a retiree, you likely have a need for life insurance. McDaniel Insurance agents can help you with Life...
Read More7 Tips To Protect Your Business From Water Damage
7 Tips To Protect Your Business From Water DamageWhether it’s caused by a flash flood or a burst pipe, water damage is often unpredictable. And as a business owner, it can seriously impact your day-to-day operations and bottom...
Read MoreCar Insurance- Do Speeding Tickets Increase My Auto Insurance Rate?
It’s universal: No one likes to see red and blue flashing lights in your rearview mirror. Every driver knows breaking the speed limit is against the law… but that doesn’t seem to stop us. In fact, it’s...
Read MoreBusiness Insurance -Data Breaches
5 Things to Know About Small Business Data Breaches A data breach is not something that just happens to mega retailers – small businesses are also at risk. From customers’ credit card numbers to employee tax information,...
Read MoreBusiness Insurance Tips
Keeping Costs in Check? Here’s Why You Shouldn’t Cut Corners on Business Insurance Owning a small business can be one of life’s greatest balancing acts. Every day there’s the stress of managing employees,...
Read More15 Common Questions About Life Insurance
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...
Read MoreDo I need Earthquake insurance if I live in Kentucky?
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...
Read MoreWorkers Compensation Insurance- Working from home Employees
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...
Read MoreKentucky Auto Insurance - Driving and texting
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...
Read MoreLife Insurance - Guaranteed Insurability Option
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....
Read MoreBusiness Insurance -Fire Prevention Tips
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...
Read MoreCommon Life Insurance Questions
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...
Read MoreWhat Determines Car Insurance Rates?
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....
Read MoreWorkers Compensation vs. Disability Insurance
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...
Read MoreInsurance for your Second home
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...
Read MoreWHAT TO LOOK FOR WHEN CHOOSING A CONDOMINIUM ASSOCIATION INSURANCE AGENT?
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...
Read MoreHome & Auto Insurance: Q&A: Does My Insurance Cover Tornado Damage?
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,...
Read MoreAuto Insurance- How to Handle a Hit-and-Run Accident
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...
Read MoreEmployers Practice Liability Insurance
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...
Read MoreYoung and Single Insurance Needs Assessment
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....
Read MoreNewly Married Insurance Needs Assessment
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...
Read MoreMarried with Children Insurance Needs Assessment
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...
Read MoreEmpty nesters and Retirees Insurance Needs Assessment
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...
Read MoreAssociation & Apartments-Outdoor Grilling Safety
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...
Read MoreDoes your business/association need Non-Owned Auto Liability?
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...
Read MoreCredit Score impact on Auto and Home Insurance Rates
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...
Read MoreUmbrella Liability Insurance
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....
Read MoreWhole Life Insurance
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...
Read MoreInsurance Changes if Divorcing
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...
Read MoreFidelity and Crime Insurance
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....
Read MoreInsurance-Fallen Tree Damage-Who Pays?
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...
Read MoreCondominium Association Insurance vs. Condo Unit Owner Insurance
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...
Read MoreErrors and Omissions Insurance
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...
Read MoreAuto Insurance for Teen Drivers
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...
Read MoreDoes your business need key person life insurance?
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...
Read MoreA Home Insurance Claim: To File Or Not To File
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...
Read MoreHappy New Year from McDaniel Insurance
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...
Read MoreWhen Does Your Personal Car Become a Commercial Vehicle?
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...
Read MoreLife Insurance-Insuring your business with a Buy/Sell agreement
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...
Read MoreUnderstanding Home Insurance
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...
Read MoreCondo Unit Owners Insurance -Do you have the coverages you need?
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...
Read MoreBusiness Insurance- Cyber Liability
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...
Read MoreThe ABC’s of Auto Insurance
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...
Read MoreAssessing Your Life Insurance Needs
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...
Read MoreImportant Considerations in Purchasing Condo Association Insurance
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...
Read MoreUnderstanding your home insurance insurance deductible.
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...
Read MoreLoss Assessment Coverage
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...
Read MoreWhat Keeps Community Association Board Members Up at Night?
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...
Read MoreEnd Distracted Driving
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...
Read MoreTop 10 Things you need to know about our Insurance Agency!
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...
Read MoreBeware of “Cheap” Insurance!
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...
Read MoreHow would you like to have an insurance agency that gives you Dedication you Deserve?
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...
Read MoreMaking Smart Insurance Savings Choices
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...
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