Month: January 2021

Auto Insurance

3 Ways To Know You’re Getting the Best Deal on Auto Insurance

Auto insurance rates can vary greatly, and that makes many people unsure of whether they’re getting the best deal with their current carrier. If you’ve considered shopping around for a better deal on your auto insurance policy, consider these three criteria when you comparison shop.

Drivers Included

There are many factors that impact rates, but none so severely as a youthful driver. If you have a teenager or young adult on your policy, you may be paying higher rates for to cover driver. It doesn’t mean you shouldn’t check out rates with another insurance agency, but understand that coverage will be more expensive for younger drivers no matter what company you choose.

Vehicles Covered

If you have any vehicles on your policy that carry full coverage, you’ll be paying more than someone who has liability only. Also, lower deductibles can raise premium considerably. Before you jump at the company with the lower rates, make sure what you’re being offered is comparable.

Credit Score

Many customers are unaware that their credit score can impact their insurance premiums. Although the two seem completely unrelated, insurance companies often use it as a metric for rating a customer based on responsible behavior. If you have bankruptcies or carry high balances on your loans and credit cards, you may end up paying more in premium no matter which company you choose.

Shopping around for the best price is smart idea, but you should know why you’re paying those rates before switching to a bargain policy.


3 Things To Know About Cyberbullying

Whether it occurs on school property or within the confines of student homes, cyberbullying has become one of the most pressing problems for schools navigating a hyper-digital era. One of the biggest questions surrounding the issue is how it appears in online classrooms, which have become increasingly popular thanks to both the pandemic and a growing number of alternatives to in-person instruction. It’s therefore critical that parents, students, and education professionals work together to identify and manage the issue

1. What It Is

Bullying can be tricky to define, and its lines become even blurrier when it occurs on a digital platform. Cyberbullying is, however, usually defined as negative, offensive, or harmful comments or actions made via electronic format with the intent to intimidate, harass, or threaten the recipient. Common vessels of cyberbullying include text messages, social media, and digital education systems. 

2. Why It’s a Problem 

Even when cyberbullying occurs off-campus, the effects are felt within school walls. Digital abuse tends to be more impactful than traditional bullying, as it is instantaneous and reaches a much wider audience. The rise in online classrooms has brought the issue to the surface, too, due to the way it merges school and home life. 

3. Who’s Responsible for It 

Generally, schools are not responsible for bullying that happens off-campus, but they may be responsible for cyberbullying that’s carried out via school devices. For example, a school or district can be held accountable for bullying that occurs on a school-supplied laptop, regardless of whether the bullying takes place at school or home. 

Thanks to the exponential growth of educational technology, schools expect to see a rise in cyberbullying and must grapple with the new questions it brings to the surface. Regardless of the approach, mitigating cyberbullying in online classrooms is critical to the success of virtual learning.

Insurance Agents

Finding Insurance for Insurance Agents

Professional liability coverage is a must-have in most of today’s trades and professions, especially for practitioners who work for themselves. Insurance brokers and independent agents alike need protection against the everyday errors and omissions that can happen due to unforeseen emergencies or even simple but unfortunately expensive mistakes. Sooner or later, everyone winds up in a situation where a customer makes a claim for damages, whether or not it’s justified. Robust E&O insurance for insurance agents doesn’t just cover those damages, it also helps pay for the costs of litigation where necessary.

Professionals Serving the Insurance Industry

There’s a reason why most insurance advice comes down to working with the experienced agents who really understand your industry, and when you work in the insurance industry, the advice still holds. Your most effective and well-written coverage quotes are going to come from people who have a lot of experience covering the people who sell insurance to others, no matter what kinds they sell. While the kinds of insurance offered vary, the kinds of liabilities faced by agents and brokers are broadly similar across the industry. That makes it easy for experienced players to quote accurate coverage for insurance industry clients. It’s easy to see why you benefit from working with someone whose expertise in this niche goes as deep as your own expertise in yours.

Do Insurance

Do Insurance Agents Need Insurance?

In the same way that a surgeon cannot operate on himself, those in the insurance industry must also find an insurance company to protect them from financial risks. One of the primary coverages is insurance agent E&O, also known as professional liability.

What Is Errors and Omissions Insurance?

An insurance agent is a trusted professional who helps people navigate the complicated world of insurance by advising they purchase policies to mitigate their financial risks. If clients claim an agent gave them bad advice, an errors and omissions policy covers the expenses associated with legal defense. It also  reimburses the client if the agent is found to be at fault.

Who Is Eligible?

The word agent is a general term that means anyone who acts on behalf of another person. Because most people lack the expertise needed to make good decisions about insurance policies, an insurance agent selects coverage for them. Other job titles eligible for insurance agent E&O include the following:

  • Managing general agent
  • Wholesaler
  • Surplus line broker
  • Program administrator

With so many policies at their fingertips, it may seem that insurance agents do not need insurance for themselves. An errors and omissions insurance policy, however, is not just required by law, but also is a smart way for agents to protect themselves.