More From Advocate

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 →

In the past we have shared with you why workplace safety is important. If you haven’t had a chance to check out that blog, please do so. With that in mind, have you taken care of making sure you have a safety plan in place in case of an emergency? If not, the New Year is a great time to take care of this task. If you are unsure of what you should include in your safety plan, here at Advocate Insurance, we have a member of our staff who can sit down with you and work through your safety plan. Give us a callRead More →

After the holiday rush and the festive decorations are torn down, you have to focus back on the end of the year objectives and that includes your IRS filings. Whether you decide to file them and send them in physically or digitally is up to you, but you should also be prepared and safe this tax season. When it comes to physical filing, there are fewer opportunities for the returns to end up in someone else’s hands, but with online fraud becoming a more well-known crime, there may be the situation where someone has used your own information already to receive the returns. The IRSRead More →

Our homes may be the largest investments in our lifetime. Along with that investment should come the peace of mind that if anything ever damaged your home it would be covered and you would not have to worry. That is why we all have homeowners insurance! Whether it’s your first home or the fifth time you’re moving, you do not want to worry about whether something could happen to the place we spend most of our life. Not only are we usually required to have homeowners insurance homeowners insurance also provides many benefits if disaster should strike. Luckily enough, homeowners insurance does not only coverRead More →