Waves Insurance Services

05/22/2026

Now is the ideal time for a mid-year policy review to ensure you are prepared before fall sales-closing dates. Reviewing your coverage this summer gives you time to make strategic adjustments ahead of the next crop cycle.

Contact our team today to schedule your summer review and protect your operation with confidence.

05/21/2026

In honor of Memorial Day, we invite you to join us in taking time to remember and honor the brave men and women who made the ultimate sacrifice to protect our country and preserve our freedom.

Please note that our office will be closed on Monday, May 25th, in observance of Memorial Day. We will resume normal business hours on Tuesday, May 26th, and will respond to any messages received during the closure as promptly as possible.

Wishing you a respectful and meaningful Memorial Day.

05/20/2026

When graduation season rolls around, it can be hard to decide what to get the special graduate in your life. One practical, yet under-utilized, graduation gift is a life insurance policy.

When set up early, a life insurance policy can serve as a vital long-term financial tool that grows with your graduate, locking in premiums at the age when they are often cheapest and sometimes offering a cash value component that can be accessed during your new grad’s lifetime. Additionally, coverage can be adjusted as income and goals evolve, with the insured layering on or even buying more coverage within the existing policy.

If you have questions about options, costs, or how policies are structured, feel free to reach out. We are always happy to help.

05/01/2026

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03/17/2026

Feeling extra lucky this St. Patrick’s Day 🍀 We couldn’t let the day pass without saying how grateful we are for the wonderful clients who make our work so rewarding all year long.

Thank you for your trust, partnership, and support. Here’s to more success, good fortune, and plenty of reasons to celebrate ahead!

03/09/2026

As crews ramp up for spring starts, it’s important that construction projects are properly protected. Swipe to see a quick rundown of core construction coverages, what they do, and why skipping them can put the project and your balance sheet at risk.

Want to review your current coverage or explore additional policy needs? Call our office today.

03/05/2026

Life insurance can do more than help protect your family after you’re gone. It can also help you take care of yourself while you’re still here. Accelerated death benefit (ADB) riders can allow you to take a portion of your death benefit early to help take care of yourself in the event of a fatal diagnosis.

Swipe for a complete overview of ADBs — what they are, how they work, who they’re for, and how they help.

Want help confirming whether your policy includes an ADB, or want to discuss if adding an ADB makes sense for you and your situation? Give us a call today, and we can help you review your current coverage and compare your options.

03/04/2026

Think your auto and homeowners insurance will protect you if something goes wrong? Think again.

Today’s lawsuits are bigger, more frequent, and far more expensive than most standard policies were designed to handle. When a serious claim exceeds your coverage limits, the financial fallout can be devastating.

Here’s why more people are adding personal umbrella insurance:

✅ Liability claims and payouts have surged over the last decade
✅ Umbrella claims have doubled, with average payouts up about 67%
✅ Jury awards in some states have exceeded standard policy limits by hundreds of thousands of dollars
✅ Legal defense costs alone can surpass $50,000 before a case is resolved
✅ $1 million in umbrella coverage may cost as little as $12–$25 per month

The cost of not having enough liability protection can far outweigh the cost of adding it. Personal umbrella insurance helps protect your savings, home equity, investments, and even future income — before one claim puts them at risk. If you would like to learn more about umbrella insurance, give our team a call. We're here to help.

03/03/2026

Today’s lawsuits are bigger, more frequent, and far more expensive than most standard commercial policies were designed to handle. When a serious claim exceeds your coverage limits, the financial fallout can be devastating for businesses. That’s where commercial umbrella insurance comes in.

Commercial umbrella insurance provides a strong layer of coverage, protecting your business after your standard policies are exhausted. It can help safeguard property, equipment, retained earnings, and future income.

Plus, in many cases, it can be secured for an incredibly competitive rate. For many low- to moderate-risk businesses, that level of added protection may average only about $25-$75 extra per month, depending on industry and exposure.

If you would like to learn more about umbrella insurance or review an existing umbrella policy, don’t hesitate to reach out. We are here to help to safeguard your business!

02/26/2026

02/17/2026

Laissez les bons temps rouler! 🎭💜💛💚

The Waves Insurance team wishes you a very Happy Mardi Gras! Whether you're enjoying parades, great food, or time with friends and family, we hope your day is filled with fun, color, and celebration.

Thanks for trusting us to protect what matters most. Have a safe and joyful Mardi Gras! 🎉