You don’t need us to tell you that losing a loved one is difficult. The realization that the presence of your close friend or family member will no longer be in your life is probably one of the hardest things you’ll ever have to go through.

You can’t always prevent water from coming into your home, especially during this time of year. In fact, as I am writing this, I am watching a wind and rain storm that has been raging for the past seven hours.

We’re officially one month into a new year (and new decade) and many of us (myself included) are thinking about getting our finances in order and planning for the future.

We understand that nobody wants to have to use life insurance, so it goes without saying that it isn’t exactly the most exciting product to shop for.

Is it time to apply for business insurance? Maybe you’re starting a new business, or have had changes in your business structure or operations. Maybe you just aren’t happy with your current insurance price or service. Whatever it is, you have determined it is the right time to shop for or update your business insurance.

Owning a business takes a lot of work, and getting the right insurance coverage for it doesn’t make it any easier.