C&D Insurance Service

02/26/2026

Worried about the cost of commercial insurance? You’re not alone. However, there are ways to keep premiums in check.

We can help you:

✅ Perform an annual risk assessment to reduce potential claims.
✅ Review your deductibles and coverage with your agent.
✅ Combine policies to take advantage of multi-policy discounts.

Your insurance plan should evolve as your business grows and so should your savings opportunities.

If you're exploring options or wondering if your coverage still fits your needs, we're just a call away.

02/25/2026

If you're running a business from home or have no employees, you might be wondering if you need to get small business coverage. Here’s what you should know:

✅Most homeowner’s policies don’t fully cover business-related equipment or liability.
✅ A general liability policy is often a smart (and affordable) place to start for small business owners running their business out of their home.
✅ If you use a personal vehicle for deliveries, client meetings, or equipment transport, you may need commercial auto coverage, too.

Have questions about your current coverage or want help closing gaps? Just give us a call. We’re happy to help.

02/24/2026

Owning a small business can come with a lot of considerations, regardless of whether you’re just starting out or have been running your business for years. One major thing that business owners need to consider is their commercial insurance coverage. It can be tricky for small businesses to balance cost and crucial coverage.

With that in mind, we wanted to share a few foundational coverages most small businesses benefit from:

✅ General Liability Insurance helps against bodily injury or property damage claims.
✅ Commercial Property Insurance can help cover buildings, equipment, and inventory.
✅ Business Owner’s Policy (BOP) will typically combine liability and property insurance into one affordable package.
✅ Workers’ Compensation Insurance is required in most states if you have employees.

Your needs will depend on your industry, size, and risk profile, but having the right coverage can help save you from costly surprises.

Our firm is here to help make sure that you have the coverage you need without breaking the bank. If you have a question about the right type of insurance for your small business, give us a call.

02/24/2026

02/17/2026

Running your business from home? Your homeowners insurance might not cover everything your business needs.

Swipe through to see why commercial insurance is just as essential for home-based business owners as it is for larger companies.

From protecting your equipment to covering client injuries, the right policy keeps your business — and your home — protected from unexpected risks.

Have questions about the right coverage for your setup? Give us a call. We’re happy to walk through your options.

02/11/2026

Are you planning on making a big purchase for a special someone this Valentine’s Day? If so, you might not realize that high-value items will need a separate insurance policy.

If you’re buying jewelry, fine art, or collectibles this Valentine’s Day, make sure you have:

✅ An appraisal to determine the value of your purchase, which should be updated regularly.
✅ Well-documented receipts, serial numbers, and appraisal results.
✅ Separate coverage to ensure full protection beyond your standard homeowners policy.

Leaving valuables underinsured could mean that you don’t receive the full value of the item if something were to happen to it.

Give us a call, and we can help you get a separate policy set up for any big purchases you plan to make this Valentine’s Day. Let’s make sure your valuables are properly protected.

01/01/2026

Happy New Year!

As we step into 2026, we’re taking a moment to reflect on the year behind us and look ahead to what’s next. Thank you for the trust you’ve placed in us. We’re honored to support you and look forward to what the new year holds.

Please note that our office will be closed on January 1st. We’ll be back on January 5th, ready to hit the ground running.

Here’s to new goals, fresh starts, and a year full of possibility!

12/26/2025

December 26th is National Homeowners Day, a timely opportunity to highlight the importance of well-rounded coverage for your home.

While homeowners insurance covers many risks, it doesn’t cover everything. Here are a few areas where standard policies may leave gaps:

⭕ Flood damage - Rising water from heavy rain or overflowing rivers isn’t included in most homeowners policies.
⭕ Earthquakes - Standard coverage usually leaves a home unprotected from earthquake damage.
⭕ Sewer or drain backup - Even small backups can lead to expensive cleanup and repairs, which are typically only covered with optional protection.
⭕ High-value items - Jewelry, fine art, collectibles, and other expensive items often exceed standard policy limits.

For coverage in these areas, separate policies may be necessary. If you want to explore whether additional coverages are needed, give us a call today. We’re here to help ensure your home is properly protected.

12/18/2025

Heading out of town for the holidays? Before you hit the road, it’s a good idea to prepare your home for your absence. Take a look at five pre-travel steps that can help prevent costly claims this holiday season.

If you have any questions about your homeowner’s insurance coverage during the busy travel season, don’t hesitate to give us a call.