Month: May 2014 - page 3

All There Is To Know About Shingle Roofing Part One

Posted on May 14, 2014 by Creative Programs and Systems

There is a lot to know when it comes to your homes roof especially when it comes time to replace it. Shingles are the most common type of roofing seen in the North. This comes down the simple fact that when it comes to roofing material shingles are durable, readily available and one of the least expensive roofing option.

When it comes down to shingles there are two basic types which include fiberglass and organic shingles. Fiberglass shingles are created using a fiberglass matting that is weaved together, covered with an asphalt coating and coated in ceramic granules. The asphalt coating helps to protect your roof from the weather by creating a waterproof barrier. Ceramic granules help protect the roof from harmful ultra violet rays that can quickly deteriorate roofing materials that are left unprotected. Fiberglass shingles are a durable, lightweight option in roofing.

Organic shingles are similar in look to fiberglass shingles but differ in how they are made. Organic shingles are formed using a mat that is created from recycled felt paper that has been layered together. The felt paper is saturated with asphalt to create a waterproof barrier. The organic shingle is then coated with asphalt that is embedded with ceramic granules. Organic shingles are produced with forty percent more asphalt than traditional fiberglass shingling. Homeowners will find organic shingles are more flexible, rugged and environmentally friendlier that fiberglass however less absorbent which can cause some warping over time.

When it comes to the size of shingles you will find that no matter what shingle material you are using be it fiberglass or organic that they will measure about twelve by thirty six. Although they are all the same size there are two different styles including a three tab shingle and an architectural shingle. Three tab shingles can be recognized by the cutout tabs that make up their long lower edge. This style creates the look that each shingle is a separate piece although it really is only one strip. This style is the most popular and common in shingle roofing.

Architectural shingles do not have tabs however the lower portion of the shingle is laminated with an extra layer of asphalt. This gives a contour look to the shingle and offers dimension to the roofing. The asphalt creates a bond that seals the shingles together with the other layers of shingles. Architectural shingles are not good for every type of roof. Be sure to talk with your roofing contractor if you plan on going with architectural shingles to ensure that they are a good choice with the slant of your roof.

In our next installment on shingle roofing we will look into different shingle styles, colors, durability and costs. There is so much to take into consideration when you are looking to replace your homes roof. It is one of the most expensive repairs needed in home maintenance and upkeep. Choose roofing material based on research and recommendations from the roofing contractor that you hire to install your new roof.

Home Pro Roofing contractors offer a variety of roofing services including installation of shingle roofs, metal roofing and roof repairs. You will find them at http://www.homeproroofingmi.com today.

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Buying A Pocket Knife Part One

Posted on May 13, 2014 by Creative Programs and Systems

A pocket knife is one of the most efficient tools that you can carry around with you every day. For thousands of years knives have helped people cut food, hunt for dinner, open boxes, cut seatbelts in emergencies and a number of other tasks. This could be why choosing a pocket knife may be so hard. It also could be so hard because the variety of options available to consumers. This is a start on a series all about pocket knives. Each aspect of the pocket knife will be examined. Finding the perfect pocket knife is a bit overwhelming but hopefully this series will help you out.

The first part of the pocket knife that we will explore is the number of knife blades. There are three different variations including the single blade pocket knife, the multi-blade pocket knife and the multi-tool knife. The single blade pocket knife can come in a variety of shapes and sizes; it is the epitome of everything a pocket knife is. If you are looking for a simple a single blade pocket knife is a good option to look into. A single blade knife focuses on the design of one large blade. Most include a spring loaded mechanism that easily opens the blade and a locking device that makes the knife sturdy. The lack of variety in the blade might be the only disadvantage of the single blade pocket knife.

Multi-blade pocket knives enable you to have the benefits of different style blades all tucked in to. You can have anywhere from two to four blades that can range in variety from traditional blades to drop point blades. This style knife is good for those people who wish to have options. The one difference between a single blade and multi-blade knife besides the obvious is the strength of the blades. Multi-blade knives tend not to be as durable as one blade knives.

A multi-tool knife, also known to many as the Swiss Army Knife, is a pocket knife with several different knife blades as well as a multitude of different tools. If you may need it the multi-tool knife has it. They can come equipped with small saws, tweezers, tooth picks, can openers, scissors, wine openers, nail files and magnifying glasses. It is originally a knife that was carried by soldiers in the field as they needed a tool that could perform more than one task like the single blade knife. Many people who consider themselves jacks of all trades carry a multi-tool knife in their pocket. It is a tool that can be carried when you aren’t sure what you are going to need.

In our next installment on pocket knives we will look deeper into the different types of edges that pocket knife blades can come with. We will look into the different size blades that are available as well. There is so much to the pocket knife. It is amazing that something so small can have such a rich history as well as such variety.

KnifeMule.com is an online retailer specializing in pocket knives from top brands such as Case, Boker, Cold Steel, Ka-bar and more. For more information on brand name knives, cutlery and specialty gear visit https://www.knifemule.com.

Camping In Minimalist Form

Posted on May 13, 2014 by Creative Programs and Systems

I love camping as it allows us to get away from all the things that keep us in our materialistic lifestyles. The problem is that those materialistic things are marketed to us, the minimalists. Think about the last time you have gone camping and actually roughed it? That is what I thought, NEVER! Fact is most of us go camping and end up lugging all the “necessities” with us. We end up setting in the great outdoors surrounded by all of the luxuries we were hoping to escape. The truth is when it comes to the minimalist camping lifestyle allow yourself space to explore what it is like to go without. Prove to campers that over-packing is over rated and with the great outdoors being a minimalist is the only way to explore nature.

First things first, it is important that you remember camping is all about roughing it. When exploring the great outdoors consider adapting what nature offers to you and make so with it. The comforts of home are increasingly cumbersome when it comes to exploring nature. Don’t become the camper only interested in the latest gear. Be the camper that doesn’t get overwhelmed when they walk in to the camping retailer outlets. When camping camp with minimalistic expectations. Minimalist never consider walking around with more than they absolutely need. Extra gear to a camper who is truly in it for the experience is just clutter and waste.

Being a minimalist camper allot yourself a ten pound bag. More than that is an overkill. Your bag should only carry the bare minimum that is needed for you to be comfortable. In it pack clothing, extra shoes, bathing needs and anything you absolutely require. The basic rule in minimalist camping is that if you can’t pack it up in five minutes and carry it more than five minutes without wanting to set it down you have packed too much and you must lighten your load.

The next thing you need to consider is what you will need to survive comfortably at a campsite. Remember you need to keep in mind what you are able to carry in. As far as sleeping accommodations consider the size of the tent that you absolutely need. Only take what you need to sleep comfortably. You don’t need space for living and eating etc. As well as a tent to support the number of people sleeping you may also want to consider bringing a tarp along for incidentals. Keeping supplies dry is as important as keeping yourself dry.

When it comes to sleeping you will need one sleeping bag per person. If you are considering packing only a lightweight sleeping bag make sure that you have packed layers for sleeping clothing. Speaking of clothing, consider the fact that camping is about the experience and not what you are wearing. Consider wearing the same outfit more than once. When utilizing this technique it is important to use deodorant as well as layers of clothing to change as the temperatures change. Underwear can be reused with a quick cleansing using the soap and water or a river and they can dry in the sun.

Cooking and finding food is a bit more complex with minimalist camping. One small stove burner, propane and pan is really all you need to survive in the great outdoors. This along with a survival knife, some paracord and fire starter will prepare one heck of a meal. Consider packing some dry food goods as well as some cans of food, this along with the food that you hunt or fish for is the perfect combination for camping.

It is amazing what you don’t need when you camp. Camping is all about the experience and enjoying everything nature has to offer. It is important that you realize that survivalists have lived years without the conveniences that we now enjoy. Consider the minimalist approach on your next camping trip.

KnifeMule.com is an online retailer specializing in outdoor survival gear including paracord, fixed blade knives, water purification and waterproof matches. For more information on brand name knives, cutlery and specialty gear visithttps://www.knifemule.com

Knife Mule

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Necessities To Help Survive The Great Outdoors

Posted on May 13, 2014 by Creative Programs and Systems

When it comes to surviving in the wilderness there are a few essential items that you must carry with you. Whether you are planning a day hike or an overnight excursion, mishaps occur. This list of supplies will help to ensure that you are never without the necessities that will make it possible to survive until you can get where you need to be or can be rescued safely.

It is important no matter how long or short your intended adventure you take along a carry all such as a backpack. The pack will allow you to safely store the necessities. Let’s face the facts; carrying everything you need in your hands and pockets is just not feasible. A pack will allow you to carry in the necessities as well as provide storage for items you may find along the way.

The first item to put into the pack is a knife. A knife has so many different uses from general everyday camp activities to finding food in a survival situation. A pocket knife along with a fixed blade survival knife is your best options. Sheaths for carrying knives around your leg or waist are available and will free up space in your pack. A knife increases your chance of survival ten-fold. They are useful in cutting rope, creating weapons, building shelter, creating fire starter and so much more; all that assist in your survival if the need arises.

Paracord is also important to bring with you on all outdoor adventures. Paracord bracelets have become a popular option to carry and are readily available for purchase online at knife outlets and survival websites. 550 paracord bracelets are lightweight and take up little space. You can wear one on your wrist as well as add one to your camp pack. They can be used to make emergency shelter, splints for injured bones, fishing line, and help with securing food out of the reach of wildlife as well as trapping.

When it comes to camping a water canteen and purification tabs are absolutely needed. When you go without water you dehydrate. If you dehydrate you will die. Enough said. Water is a must and finding clean water in the wilderness or a way to purify water by boiling it is pretty impossible. A water canteen will give you a place to store water that is purified using purification tabs or a purification filter.

Signaling tools are also important to carry in your pack. A flashlight with a solar power charger is important as well as emergency whistles and waterproof matches. A fire can provide a signal to those trying to find you as well as heat and an area to cook fish or wildlife that is caught.

A compass, tarp and first aid kit are all important pieces to add to your backpack before you leave on any adventure. Make sure you are familiar with the basics in using a compass as well as basic first aid. A tarp is important to provide shelter from the elements.

Last but not least, something that can’t be carried in your pack, bring along a friend. If this is not possible and a solo adventure is planned leave behind a detailed plan of your endeavor just in case you don’t arrive home when you are expected. A detailed plan will give rescuers an estimate on where to begin searching for you. When minutes can mean the difference between life and death it is important that people start looking in the right direction from the start.

Knife Mule

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Buyers Guide To Lakefront Property

Posted on May 13, 2014 by Creative Programs and Systems

Buying a house on a lake is a dream for many families. When it comes to buying a lake home it is different from buying any other home. There is a detailed list of do’s and don’ts to consider. You will find a list of considerations below that will make your job finding a lake home simple.

First decide the location of where to begin looking. Take into consideration the distance from your base home as well as the distance from family; what is the maximum amount of time you are willing to dedicate to traveling from one location to the other. For most people lake homes are usually kept within two to three hours from their base home, family and friends. When it comes to going to the lake you will want a retreat to go that family and friends can visit. Any more than three hours and the adventure takes a turn from a weekend getaway to a full blown vacation. It is hard for most people to take full blown vacations several times throughout the summer but weekend getaways can be taken on a regular basis.

Consider the weather in the location you are hoping to purchase a lake home. Are you looking for a strict summer lake house for summer boating fun and such or are you looking for an all-weather, all sport location. Many lake homes can be purchase in locations where the weather is perfect for four season adventures. The important part is to purchase a lake home in a location that suits your desires.

Find a realtor that specializes in lakeside living and recreational home purchases. This is important because only a person with significant experience in lake properties will have accurate information on lake house living. Real estate agents with knowledge of lakefront homes will help be able to provide accurate information to your questions as well as provide a smooth transition on finding a lake front property that is perfect for you.

Another question to decide upon is if you want to live directly on the lake or if a home with lake access is more appropriate. You will be able to get more home for your dollar in a home that has lake access but is not directly on the lake. Homes on the lake are more expensive and often smaller because you are getting the prime real estate and view of the lake. Do you want the luxury of walking out onto the back patio and staring into the lake or are you okay with crossing the road and sitting on the dock?

When it comes to purchasing a lake front home there is also a list of don’ts to consider as well. One thing many eager lake front home buyers do is set their mind on buying a lakefront home and instantly purchase a boat. This is something that should never be done. You may find the lake home of your dreams and discover the boat you purchased doesn’t fit into that ideal image; then what? Wait until you have purchased the home and then buy the boat. Some lakes only allow certain sixe boats and motors. Don’t waste money on a boat that is too big or to fast; wait until you find the perfect location and purchase a boat to fit.

Don’t seek out lake homes. Allow your realtor, lakefront specialist, to find homes that fit within your desired budget and requirements. If you go out seeking homes you may find yourself falling in love with a home that is well beyond your budget and perhaps listed at well over fair market value. Where does this leave you? A lake specialist will only show you homes that fit within the criteria that you have set forth. You won’t find yourself falling in love with homes that don’t fit with your needs just because you fell in love with it curb side.

Don’t assume the property comes with the home. When you purchase a lakefront home it is important to note that the land surrounding your home is not always yours. Often the property in which lakefront homes resides is owned by the DNR, local city or possibly a lake association. Again, using a realtor that specializes in lakefront reality and recreational homes for sale is most important.

When it comes to finalizing the purchase on your lake home you will find a great sense of satisfaction. With lakefront living comes relaxation, fun and time making memories. Using an expert that specializes in lake property will allow you to go through the buying process stress free and ready to unwind and let go of the stress that comes with everyday life while enjoying your weekend retreat.

Lake and Land Real Estate is Livingston County’s premiere realtor out of Pinckney, Michigan serving homes that provide a recreational lifestyle including golf courses, lakes and the Huron river chain of lakes, throughout Hamburg, Pinckney and Howell. Information can be found at http://www.lakelandmi.com

Lake and Land Real Estate

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Tips To Help You Buy Your Dream Home

Posted on May 13, 2014 by Creative Programs and Systems

Purchasing a home is a huge responsibility as well as financial commitment. With this said there are a few things that are important to consider while you are in the process of purchasing a home. Consider the following while you are working with a real estate agent locating your dream home.

Don’t Make Any Major Purchase During The Home Buying Process

Buying a home is a large investment. If your objective is to purchase a home it is crucial that you hold off on other purchase such as a new car until after your mortgage is approved and you have been in your new home for a few months. Give yourself time to gather as much money as you can for a down payment and emergency plan. When it comes to your lender they will look at your credit record and score as well as your debt and income before they assess that you are worthy of a mortgage. This is why it is key that before you set off to buy a home you get your financial house in order and hold off on purchasing anything that is not an absolute necessity when buying a home.

Check For Errors and Make Corrections To Your Credit Report

First things first, when getting ready to buy a home get a detailed copy of your credit card report. An inaccurate report can hurt your chances at receiving the best possible mortgage rate. Errors on your credit report are unavoidable however correcting them is essential in moving forward with the purchase of your home. It is important to the lending process that your credit report and score accurately reflect your financial situation to guarantee you end up with the best mortgage possible for you.

Keep Steady In Your Job Especially When Applying For A Mortgage

Your income verse your debt are the two most critical pieces of information needed when it comes to a decision on your mortgage application. Buying a home requires a lot of money both in a down payment and a monthly payment as well as funds for needed repairs. This is why it is so important to show a record of consistent employment with the same employer when applying for a mortgage. A steady income from a steady source is something that will help you while your mortgage loan is been approved and settled.

Put An Offer In Contingent On The Homes Inspection By A Licensed

The home inspection is an incredibly important piece of the puzzle. Just because you have fallen in love with the home and an offer has been made as well as accepted doesn’t mean this is home has to be the one. If the homes inspection uncovers many costly repairs need to be done remember that you can keep looking. Another option is to go back to the seller with the information from the inspection with a new lower offer or an offer contingent on the repairs being made to the home. Even after the offer has been accepted don’t feel pressure to move through the process if the inspection has uncovered more than you can handle.

Buying a home is like no other experience in this world. The range of emotions that are felt vary depending on the minute of the day. The great news is at the end of the day when you have closed on your new home and have the keys in your hand all the hassle and aggravation of the situation disappears. What is left is your happily ever after.

Lake and Land Real Estate

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Needed Preparations Before You Purchase A Home

Posted on May 13, 2014 by Creative Programs and Systems

When it comes time to purchase a home it is vital to be conscience of the task at hand and its importance. Purchasing a home should be done with caution, preparation and with the assistance of a licensed real estate professional. The purchase of a home, for most people, is the most expensive purchase they will make. Whether this is the first time you are buying a home or the fifth there are preparations to be made, steps to be followed and caution to be had throughout.

The very first step in the home purchase process is known as the preparation stage. Buying a home is not something that can be done on impulse. The first part of preparing to buy a home is to know what the real estate market is like around you. Is it a buyer or sellers’ market? Are homes mainly be sold as is or in tip top shape? What do the sales projections look like for the area or neighborhoods you are concentrating on?

During the preparatory phase you will also want to look at your finances. It is important that your credit score is accurate and reflects up to date information on your debt. You will also want to have a detailed report of income as well as expenses. Your debt to income ratio along with savings will help mortgage lenders to determine your preapproval amount. During this stage you should find a mortgage broker or lender that you trust and would like to work with. This may take some research on your end. Remember not all lenders are created equally. Find a mortgage lender that is thorough in providing you detailed options along with the pros and cons of each available mortgage. Finding the best terms along with a low annual interest rate is imperative in helping you to finance the purchase of your new home.

After you have followed the necessary steps in preparing to buy a home you actually get into the actual buying phase. This is when patience as well as diligence come into play. Many people interested in buying a home consider this the fun stage of buying a home. Your realtor will pull from a list from the IDX records, MLS listings and other sources to find homes that meet your criteria. It is essential that your criteria be broken into a few sets including things the home must have for you to purchase it and those luxuries that would be nice but that aren’t critical deal breakers. Once your realtor has found you the perfect home and you decide that this is the one step three can occur.

During phase three of the buying process you will submit your offer, have your offer accepted and close on your new home. Of course this is simplified a bit. A lot of work is done behind the scenes between your mortgage lender, the title company and the real estate agency. There is a lot that needs to be processed and solidified before the home is yours however after a few hours signing papers the house will be yours.

Lake and Land Real Estate

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Defining Business Insurance Policies

Posted on May 13, 2014 by Creative Programs and Systems

Insurance for General Liability: All businesses should have at least basic general liability insurance. This is true even if you run a home based business or consultant. Liability insurance policies provide coverage for litigation and damages that are caused as a result of you, an employee, product or service. This includes property damages as well injury to one’s person.

Insurance for Property: A property insurance policy should be purchased to cover your building as well as any business property including office equipment, tools and inventory. Separate coverage should be considered to protect against fire, theft, vandals and such.

Interruption Insurance: This is a policy that can be purchased by business owners that covers the business in situations where there is an interruption that does not allow the business to operate. This insurance protects the potential earning power of the business when service or products are unable to be provided.

Auto Insurance For Commercial Vehicles: As you insure a car for your personal benefit your work fleet also needs coverage. Commercial auto insurance is used to insure vehicles that are used in the line of work from damage as well as collision. When employees use their personal vehicles to complete business related tasks it is important the business owners have insurance that covers the business in case the employee does not have adequate coverage.

Insurance for Workers Compensation: Workman’s comp, as it is often referred to protect employees who suffer from work related injuries or who are hurt on the job. This insurance provides for a replacement of the employees’ wages as well as medical benefits. Workers compensation protect the business owner and company from legal complications. Providing workman’s’ comp benefits alleviate employers risks from future litigation arising from the incident.

Error and Omissions Insurance: Also known as professional liability insurance the policy provides coverage for litigation and damage that is the result of services rendered improperly. This coverage is different from general liability insurance. Professional liability insurance is tailored to specific trades and professions. Services professions such as lawyers, accountants, real estate professionals, insurance agents, hair salons, technology providers and more should all be sure to have adequate error and omissions insurance.

Key Person Insurance: Coverage under key person insurance provides compensation for any financial losses that come about from the death or incapacity of a key member in the business. If one person is responsible for the majority of revenue brought in to the company this coverage is a necessity. If one person’s work, knowledge, skill set or contribution is unique and consider irreplaceable without incurring loss or expense to the business; key person insurance can carry a business through a period of time and financial loss.

When it comes to insurance, policies, protection and coverage needs for your business it is wise to seek advice from a reputable business insurance agent. An agent that is familiar with your industry is more likely to know the needs associate with your company providing the exact bundle of business insurance that is needed. This also helps to ensure that you are not over insuring your company and in turn wasting valuable financial resources.

For more information on business insurance throughout Livingston County, MI including Brighton and Howell, contact Cobb-Hall Insurance. We are experts in all types of insurance needs and look forward to helping you with all of your business and personal insurance needs. Check us out online at http://www.cobbhall.com

Cobb Hall

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Take Risks In Business But Not With Your Insurance Coverage

Posted on May 13, 2014 by Creative Programs and Systems

As you open a business no matter how big or small there are a ton of questions that run through your head. I bet business insurance is one of those things that comes to mind. When it comes to owning your own business you will take a lot of risks and you will make a ton of mistakes. Don’t let insurance coverage for your business be one of them. When it comes to insurance for your business there are a million questions you need to ask to ensure that you are substantially covered.

The first question you need to answer is in regards to equipment and goods used while outside of the actual business premise. Your business insurance coverage should cover business equipment whether on site or in transit to a tradeshow. You will want to make sure your coverage is all inclusive when it comes to where the equipment is located.

Question your insurance provider to make sure that you are covered under circumstances from theft to a flood. It is important that the insurance policy for your business covers expenses that are man-made as well as natural occurrences.

Do you need to contact your insurance agent when you make upgrades to your equipment or your premise? It is important to understand your policy and the intricate details. If additions to the premise or upgrades in equipment need to be reported the agent for the insurance to cover them that it is essential that you address that before you make the purchase so that it is covered.

With the policy that you have purchase does it cover replacing the building if it is fully destroyed? Are you required to build in the same spot or are you allowed to build in an area that is more suitable than the last one?

Does your policy cover a loss of income if your office, warehouse or production site is destroyed? What about if it is partially damaged or if your business is severely affected by the damage be it man-made or a natural disaster. It is dire that you completely understand the coverage that you purchase.

When considering purchasing a policy make sure that it covers in case of a breach of data. When you take client information and payment via credit or check you need to make sure that your client’s information is protected. Data protection is a newer policy to consider but is so important in the age of technology that we are currently living in.

Questions are important especially when it comes to your business and the insurance plan that you have on it. Your business is your source of income. Income creates the means that support your family and livelihood. It has never been more important that when buying business insurance to understand what you are getting in return for the money you are paying. If you have any questions regarding the insurance coverage to your business ask your agent questions. Your insurance agent is there to help you understand and to clarify your business insurance policy.

Cobb Hall

Limiting Risk In Business With Insurance Coverage

Posted on May 13, 2014 by Creative Programs and Systems

No matter what size business you own whether it is small, medium or large purchasing business insurance is crucial. Risks are inevitable when it comes to owning a business. Insuring your company helps limit your exposure to these risks. Selecting the correct insurance policies is also important when it comes to insuring your business. Avoid the following mistakes when it comes to obtaining a business insurance plan that covers all of your business needs.

Protect Your Business’s Financial Situation With The Right Insurance Coverage

The size of your business does not dictate whether your business has risks that need to be insured. All businesses regardless of size has the possibility of facing risk. A good insurance agent will find the risks in your company and offer insurance to protect against them. Risk comes in many forms and can be man-made or natural. Risk involves the things outside of your control. Risks that are natural include weather related risks such as flooding, hurricanes etc. Man-made risks involve theft, vandalism, data loss and so on.

When your insurance agent evaluates your business exposures they will take into account all of the man-made and natural risks that could occur in your industry with your company. They will look at who your customers are, the product or service you offer and evaluate any and all potential risks that could factor into your business. From here the insurance agent will present you with the policies that they believe are in your company’s best interest to purchase. Having insurance for the risks involved in your business is sensible.

Don’t Underestimate How Important Insurance Is For Your Business

All businesses have risk. Don’t underestimate or think even for a minute that your business is exempt. Even if the risk is small you need to purchase coverage to meet the need. Even if you think your company can financially withstand risk insure your business needs. The cost of the insurance outweighs the financial risk to the business all day every day.

Don’t Get Swayed By Low Priced Insurance Policies

Low priced policies are not always the most cost effective options in business insurance. Low premiums may cover only the minimum risk in your business. Consider that, do you want only the minimum of coverage? Think about business insurance like you would health insurance. When considering health insurance coverage for your family would you ever consider purchasing only the minimum? The answer is a resounding NO! If you knew your son or daughter was at risk for cancer you would never choose the minimum coverage. Think about your business the same way. Everyday your business is at risk of something be it a man-made or natural disaster. Insure accordingly.

Only Purchase Insurance From An Agent With Industry Knowledge

As you know by now purchasing insurance for your business is a challenge. It requires diligence and research. Find an agent and insurance agency with a solid track record of settling claims and servicing clients. Credibility is important when it comes to finding an agent to insure your company.

Insurance is an important part of life and business. Avoid these pitfalls and mistakes when covering your business risks.

Cobb Hall