1. Insurance Credits Many homeowners don’t realize that there are numerous credits available to them which can result in sizeable savings. Credits  related to Fire and Burglar Alarms, Being A Non-Smoker, Loss Free Credit, Security Cameras, New Home Discounts, Combination Discounts (Bundling Home and Auto), Generator ownership, and Freeze Alarms, are potential areas for savings, and your…

Cyber attacks are costing companies billions of dollars. Small and medium-sized businesses are increasingly at risk. Is your company prepared for the costs related to a cyber attack? Here are some examples of costs related to cyber attacks: The cost of remediation against attacks – such as notifying your customers Lost revenue due to a…

Companies often require subcontractors to complete work that fall outside their in-house capabilities.  The following is valuable information you need to know: Here’s an example: Company A uses ABC Subcontractor to install new wood flooring that had been damaged due to a flood. Because the job was time sensitive, Company A failed to request a…

How many times has the following happened to you? You’re speeding down I-95 when you spot a state police car. You quickly hit the brakes and slow down, relieved that you didn’t get caught … this time. Now take a minute to think what could have happened if you hadn’t been so lucky. First, your…

You’ve probably been at the rental-car counter, listening to the representative ask if you want to purchase the company’s insurance. And the thoughts start racing through your head. “Is this a rip-off? Doesn’t my regular auto policy cover me? What about my credit card? Why didn’t I figure this out before I left on my…

Most people have an idea of what’s covered and not covered under their various insurance policies. But at the Townsend Insurance Group, we get a lot of questions about borrowing or loaning a car. Now that summer is here, and you might be looking to borrow your neighbor’s truck for a home-improvement project or a…