Understanding Dram Shop Laws & Liquor Liability Insurance.

Kristy DonahueLiquor Liability

What are Dram Shop Laws? Dram Shop Laws pertain to bars, taverns and other establishments that serve alcohol. The laws strive to achieve two main goals. First, to discourage the sale of alcohol to minors. Second, to hold accountable businesses who, by over serving a patron, have contributed to the injuries of innocent parties. The liability of a business is … Read More

Business Succession Planning 101

Kristy DonahueBusiness Succession Planning, Buy Sell Agreements

Do you have a will?  Have you thought about how you would take care of your family if something happened to you?  Have you given any thought to retirement?  Well, the same thought process needs to go into your business.  If the unthinkable were to happen such as a car wreck, or becoming ill with COVID-19, how would your business … Read More

How To Retire When Your Entire Net Worth Is Tied Up In Your Business.

Kristy DonahueBusiness Interruption, Disability Insurance, Health Insurance, Life Insurance

If you own your own business, you know that aside from maybe your children, it is the most significant emotional and financial investment you have made. Additionally, you have injected your time, labor and energy into creating what you hope will be a viable asset that will launch you into a healthy retirement. Despite your best efforts and meticulous preparation … Read More

The Future is Smart Homes and They Will Require Smart Insurance

Kristy DonahueCyber Insurance, Home Owners Insurance

A smart home. That sounds so cool and sophisticated.  It also sounds intimidating and potentially complicated. However, chances are you probably already have and are actively using the basic components of a smart house.  “Smart Houses” are simply any residence that utilizes any Internet-connected device to help you, the homeowner, manage and monitor a range of appliances and systems from … Read More

What is Long Term Care Insurance?

Kristy DonahueHealth Insurance, Life Insurance

Long Term Care Insurance is insurance that will ensure that you will be able to afford the expenses that come with aging or as a result of a serious or prolonged illness.  Long Term Care Insurance goes into effect when policy carriers are having difficulty with basic daily functions such as bathing, dressing etc. The policy reimburses the policy holder … Read More

What is a Cyber Insurance Policy and Why Should My Business Have One?

Kristy DonahueCyber Insurance

Over the years more and more personal and financial information is being stored on computers and transmitted via the internet. As such, the threat of information being stolen and used for nefarious motives is becoming more and more prevalent. From the simple theft of a gaining credit card and bank account numbers in order to steal funds, to the more … Read More

You have a plan; but did you fund it?

Kristy DonahueLife Insurance

Smart business owners know the importance of a Business Succession Plan.  Business Succession Plans are the well thought out instructions on what needs to be done in the event of a worst-case scenario involving a key member to the business’s team.  Key members generally include the owner or partners of the business.   A Business Succession Plan lets the other members … Read More

The Top Reasons Why Your Insurance Claims May Be Rejected.

Kristy DonahueAuto Insurance, Claims Process, General Liability, Health Insurance, Insurance Agents, Life Insurance

Insurance is not a small ticket item on your list of personal or business expenses.  Whether it be insurance for your car, your business or even your own personal life policy, it’s important always to know exactly what is and is not covered.  What could be worse than finding out that you have been paying on a policy for years … Read More