More From Advocate

Farmer’s Almanac says we are in for a rough winter. Are you ready to get out your heavy coat and start sipping hot chocolate on the weekends? Whether you’re a fan of the cold or not, you’ll want to make sure your insurance is up-to-date so you’re covered over the next few months. Homeowners Insurance To ensure your house doesn’t take a beating during these freezing months, you’ll want to take some precautions. Talk to your insurance provider to find out what your homeowners insurance covers; there are also a few common precautions to take. If you’re going to be busy and away from home,Read More →

You may not notice any issues with your house this fall and upcoming winter season. But, if you want to save yourself from any hassles in the near future, you should be wary of what can become a problem. The temperatures are dropping and you’re getting ready for the Thanksgiving season and other family functions you may have planned, why let home maintenance issues take the fun away? One of the biggest nuisances we deal with year-round can be pests. This includes small rodents, bugs, and any other invaders that stumble into our homes. Not only will you want to clean all the rooms ofRead More →

Do you run a small business and want to make sure every inch of your operation is covered in case of an emergency? Well luckily, we have an easy way to fulfill your needs with our Business Owner Package or what we call a BOP policy! This doesn’t only include basic insurance needs all business owners should have, but also insurance needs such as vehicle, property damage, business income, and bodily injury. With our BOP policy you can get more for your money so you can obtain reliable coverage for your business. We also make it easy for you where you can add whatever insuranceRead More →

Everyone has auto insurance, but do you know what coverage your auto insurance provides? Different types of coverage support you in different scenarios that you may find yourself in. You should figure out what auto insurance suits you best when choosing. The common types of coverage will have noticeable differences depending on what you find yourself needing. The most common insurance is collision coverage, which covers you in the case of a crash where you hit another car or object. Comprehensive coverage will cover your car if it’s broken into, set on fire, or vandalized. Liability coverage, which is usually mandated by law, covers theRead More →

For our business we always want a peace of mind that, in the chance it’s hit with a disaster, we’re covered. That’s why you should know the importance of Commercial Property Insurance along with the ins and outs that come with it. Commercial Property Insurance is mainly used to cover a company and its belongings if they are damaged, stolen, or tampered with in a multitude of kinds of incidents. Unfortunately, in some cases disasters such as earthquakes and floods may not be covered, but you should check with your insurance provider firsthand. Some incidents it does cover include fires, break-ins, and other similar situations.Read More →

Whether you run a small family-owned business or one on a greater scale, you’ll need to evaluate your options of insurance and what will fit your needs. Here at Advocate Insurance, we handle multiple types of business insurance. The first two types of insurance that may be similar to personal insurances, such as homeowner and auto insurance, are commercial auto and commercial property insurance. Both of these insurances are specified to cover the business aspect of the property and automobile that are used to perform functions relating to the business side. The next insurance we have available is commercial general liability insurance, which will helpRead More →

No matter how hard we try to take safety precautions, there will always be risks presented on the job. That’s why you should check out our risk management services and what we can possibly help you with! You can never be certain you’ll avoid danger, but we can help prepare, determine a solution, and make sure your business doesn’t fall in the hole after an incident! With our risk management, there isn’t only one form of consultation services; we can work with you on different issues and concerns you may have. From following OSHA compliances to protecting your employees if disaster ever strikes on theRead More →

It could be your yearly vacation down to the beach, a visit to your relatives across the country or even a day trip to the city! No matter the plan, road trips are fun — jamming along to the music with your window down and the air blowing in on a cool summer day. Just make sure you’re prepared if any problems occur along the way. The most important priority before embarking on your road trip is to check up on your tires, gas, oil, etc. Fill up the tank, make sure you have oil, and put some air in those tires! Chances are you’llRead More →

(A Certified Safety Committee pays for itself in year #1) Did you know that Safety Performance and Worker Injuries can end up costing your business opportunities? Do you know what your Experience Mod Factor and Loss Ratios are? Workers Comp rates factor into your cost of business so it raises your overhead, which may make your Sell Price higher than the competition Some clients will only work with vendors that have safety risks under control and pro-active safety programs in place. Here’s one example: Until four years ago, OSHA had not raised their penalty amounts since 1990. Now, with the Inflation Adjustment Act, OSHA isRead More →

With the winter weather comes a higher number of roadway accidents. Not only do you want to be careful on the roads, but you also want to make sure your car is safe for the trips through the seasons. It doesn’t matter if it’s five minutes away or a few hours away, keeping your car safe is a priority. You don’t have to be a car mechanic to know some of the obvious parts of the car. For one, you’ll want to figure out what type of wheel drive your automobile is, which could be front-wheel, rear-wheel, or all-wheel drive. Mix that together with whatRead More →