Bradshaw & Weil Insurance & Financial Planning BLOG


Educational Articles: Answers to Your Real Questions

Is an Umbrella Policy Worth It?

July 19, 2022

Umbrella policies are most definitely worth it if your assets exceed your auto or home liability insurance limits. While the cost does range based on various rating factors and carriers, the investment is still minimal if you have significant assets. Imagine this scenario. Your home is worth $350,000. You have $400,000 in invested assets in…

What is an Umbrella Policy?

July 5, 2022

When you pop open  an umbrella on a rainy day, what happens? It reaches out over your head   and shoulders to direct rain away from you and protect you from getting wet. An umbrella   insurance policy works much the same way with liability protection. Umbrella policies offer an additional layer of liability protection.…

Ways to Avoid Parking Lot Fender Benders in Paducah

June 21, 2022

Parking lots in Paducah– we love the convenience but hate the frustrations, especially when people are driving too fast, backing out of spots without looking and otherwise modeling bad parking lot behavior. That behavior just so happens to be the cause of many a door ding and irritated driver. Even worse, careless behavior can cause…

Replacement Cost Limits and Inflation

June 7, 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…

Tips for Driving Safely in Your RV

May 24, 2022

With summer in full swing,  it’s a great time for an RV vacation. Whether you’re heading to Kentucky Lake or planning your getaway a lot farther from home, you’ll want to make the trip safely. At Bradshaw & Weil, Inc. we want you to travel safely too. Here are some great tips to help you…

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…

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