Bradshaw & Weil Insurance & Financial Planning BLOG

Educational Articles: Answers to Your Real Questions

Replacement Cost Limits and Inflation

May 24, 2022

You may have noticed that the dwelling coverage limit on your homeowner’s insurance policy increases a little bit every year. This is due to inflation. Your dwelling limit is calculated based on the size and construction of your home. Increases in costs of materials and labor needed to repair or rebuild in the event of…

4 Key Home Insurance Coverages

May 10, 2022

Homeowner’s insurance is an important part of your asset protection plan. It has many moving parts that you need to be aware of to ensure you are properly protected. For today, we are just going to focus on 4 key coverage limits within the homeowner’s insurance policy. They are: Your Dwelling, Your Contents, Your Liability…

Renting a car for the weekend? Here’s what you need to know

July 26, 2021

So, you’re heading out of town and want to rent a vehicle. There are some key things you need about renting a vehicle and your insurance before you go. Your auto policy is designed to provide the broadest coverage that you have on your policy to the rental vehicle but no more than that. This…

Are there special policies I need to know about for my college student?

July 26, 2021

It is a good idea to reach out to your insurance agent any time a major change is happening within your household. Going to college is an exciting time in your child’s life but it can also open the door for some gaps in insurance coverage. Every carrier is different so a conversation with an…

How does a speeding ticket affect my insurance?

July 26, 2021

Speeding is one of those things that everyone does at some time or another without giving it much of a thought. Unfortunately, it can have some negative impacts on your insurance premium. One way it can affect your insurance is by causing an increase in premium. Speeding activity can stay on your insurance rating history…

How to Protect My Business Against Theft

July 26, 2021

No business is technically “safe” from theft. Crime can happen anywhere at any time. There are a few things that you can do to help mitigate theft. Lighting: Bright exterior and interior lighting can help deter a burglar since it presents a stronger likelihood of getting caught. Often, burglars are looking for quick and easy…

How to Protect My Business Against the Loss of Key Personnel

July 26, 2021

Businesses typically depend on one or two key players for their success. This is true for small businesses especially. Every member of a team is invaluable but there are certain employees that contribute more to the financial success of the operations. Examples might include the CEO, leading sales personnel, or the head of product development.…

What is Business Interruption Insurance?

July 26, 2021

Business interruption insurance is an important coverage for business to purchase. It is typically bundled into a Business Owner’s Policy (BOP). If you do not have a BOP policy, then you will want to make sure this coverage is included under your business property policy. Business interruption insurance provides continued operating expenses when your business…

6 Liability Concerns for Restaurant Owners

July 26, 2021

Each type of business opens doors to its own risk exposure. It is important to make sure that you have met with your agent to discuss the exposure you have in your establishment. There are 6 main liability exposures that apply to most restaurants. 1. Slip & Falls Working with food creates the prime opportunity…

Triple Compounding Makes Fixed Annuities an Ideal Retirement Vehicle

July 26, 2021

Albert Einstein once stated that “compound interest is the eight wonder of the world.” With a fixed annuity you receive triple compounding interest on the principal, interest on the interest, and interest on the tax deferred earnings. This triple compounding through tax deferred allows your money to grow faster than it would in a certificate…

Fixed Vs. Indexed Annuities

July 26, 2021

Fixed annuities are an excellent vehicle for providing a very competitive return while still avoiding the risk of loss of principal. In addition to providing safety and security, an added benefit is that your money grows tax deferred. This means you control when taxes are paid. This is a great benefit to have when you…

Benefits of Fixed Annuities

July 26, 2021

Fixed annuities are an investment vehicle designed to provide safety and security in very turbulent and uncertain times. There are numerous different crediting methods for fixed annuities, but the common denominator is that your principal is always fully protected. These investment products fit into the fixed income bucket of your portfolio and frequently offer a…

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