Innovators Insurance Group

08/10/2026

🎉 Help us wish a very Happy Birthday to Luke Wenger! 🥳

We’re incredibly thankful to have Luke as part of the Innovators Insurance team. He brings a genuine heart for people, a great attitude, and a commitment to taking care of our clients and community well.

Luke, we appreciate all you bring to our team and hope you have an awesome birthday in Colorado! We’re grateful to have you as part of the Innovators family. 🎉

07/07/2026

There is one question our personal lines team asks every client.

Not about credit. Not about price. Not even about how much coverage they think they need.

We simply ask:

When was the last time someone actually sat down with you and explained what your homeowners policy covers, and just as importantly, what it doesn't?

For most people, the answer is never.

The policy was put in place years ago, the premium is paid through escrow each month, and life moves on. But a homeowners policy shouldn't be something that sits in a drawer until the day you need it.

We believe protecting your home starts with understanding your coverage.

That's why we take the time to walk through your policy with you. We explain what matters, answer your questions, and identify any gaps that could leave you exposed. Sometimes the changes are minor. Sometimes they're significant. Either way, you leave with confidence because you understand what you have, why you have it, and how it would respond if the unexpected happened.

That conversation is what sets us apart.

It's part of our commitment to doing the extra effort that so many people never experience. We don't believe insurance should be a transaction. We believe it should be a relationship built on education, guidance, and protection.

Because our goal isn't simply to help you have insurance.

It's to help you know you're truly protected.

07/03/2026

🇺🇸 Holiday Office Hours 🇺🇸

In observance of Independence Day, our office will be closed on Friday, July 3rd. We will reopen on Monday, July 6th during our normal business hours.

As we celebrate America's 250th birthday, we hope you have a wonderful weekend filled with family, friends, and the traditions that make this holiday so special.

Please celebrate safely! If you experience an insurance emergency while our office is closed, please contact your insurance carrier directly for immediate assistance. Otherwise, our team will be back in the office on Monday and ready to help.

From all of us at Innovators Insurance, we wish you a safe, happy, and memorable Fourth of July! 🇺🇸🎆

06/24/2026

𝗪𝗛𝗔𝗧 𝗘𝗫𝗔𝗖𝗧𝗟𝗬 𝗜𝗦 𝗬𝗢𝗨𝗥 𝗠𝗢𝗗 𝗦𝗖𝗢𝗥𝗘, 𝗔𝗡𝗗 𝗪𝗛𝗬 𝗦𝗛𝗢𝗨𝗟𝗗 𝗬𝗢𝗨 𝗖𝗔𝗥𝗘?

Most business owners have heard the term, but many aren't sure what it actually means or how much impact it can have on their business.

Your Experience Modification Rate (EMR) can influence:
✔ Workers' compensation costs
✔ Contract bidding opportunities
✔ Carrier appetite
✔ Overall risk profile

In this video, Daniel breaks down what a MOD Score is, what affects it, and practical strategies businesses can use to improve it over time.

At Innovators Insurance, we believe risk management isn't just about insurance policies. It's about helping business owners understand their exposures, create safer workplaces, and build long-term strategies that support growth and profitability. That's a core part of our Risk Intelligence approach.

Watch the full video and let us know if you've ever reviewed your MOD Score with your insurance advisor.

What exactly is your MOD Score, and why should you care?For many ...

06/22/2026

What a great weekend at the Charlestown Founder's Day Parade! 🎉

It was awesome to see so many familiar faces out celebrating our community and enjoying a day together. Events like these are a reminder of why we love being local and why we're proud to serve the people and businesses that make our community such a special place.

We also had a blast participating in the parade and were honored to take home 1st Place in the Float Decorating Contest! A huge thank you to everyone who helped make it happen and to the organizers who put together another fantastic event.

We're grateful to be part of such an amazing community and look forward to many more years of celebrating together!

06/19/2026

⛳️ FATHER'S DAY GIVEAWAY WINNER ANNOUNCEMENT! ⛳️

Congratulations to our winner, Peyton Bradshaw! 🎉

As we head into Father's Day weekend, we want to extend our heartfelt appreciation to all fathers, grandfathers, stepfathers, husbands, mentors, and father figures who work hard every day to support, guide, and love their families. Your impact does not go unnoticed.

Whether you're enjoying a round of golf, grilling, spending time outdoors, or simply enjoying time with loved ones, please stay safe and have a wonderful weekend!

Happy Father's Day from all of us at Innovators Insurance! 💡

06/16/2026

⛳️ FATHER'S DAY GIVEAWAY! ⛳️

Father's Day is right around the corner, and we want to celebrate the dads who make a difference every day.

Whether it's your dad, grandpa, husband, brother, or another father figure, we want to hear about the amazing dads in our community!

To enter:
👍 Like this post
💬 Comment below and tag a deserving dad (or several!)

We'll randomly select one winner on Friday, June 19th!

Thank you to all the fathers and father figures who lead, support, teach, encourage, and love their families well. We appreciate everything you do.

Ready? Start tagging those awesome dads! 👇

06/11/2026

A quick question for business owners:

If one of your employees jumps in their own vehicle to run to a job site, meet a client, or make a bank run and causes a serious accident on the way...

Would your business be protected?

Most owners assume the employee's auto insurance handles it and that's the end of the story. Unfortunately, that's not always how it plays out.

We've seen situations where an employee's personal policy limits weren't enough, and the business became part of the lawsuit.

That's why one of the first things we review with business owners is whether they have Hired & Non-Owned Auto Liability coverage in place. It's a simple coverage that can help protect your business when employees use vehicles you don't own for business purposes.

A few things worth checking:

✅ Do you have Hired & Non-Owned Auto Liability on your policy?

✅ Are employees who drive for business properly accounted for?

✅ Do you have a written vehicle-use policy clarifying when employees may use personal vehicles for business

If your team ever runs errands, travels between job sites, visits customers, or uses personal vehicles for work, this is a conversation worth having.

A 10-minute policy review today could help you avoid a major surprise later.

06/09/2026

Life insurance is one of the few financial decisions families make and then almost never look at again. It sits in a drawer. The kids grow up. The mortgage changes. A job changes. A marriage starts or ends. Beneficiaries shift. And the policy stays exactly the same.

If there is anyone in your life who depends on you financially, three questions are worth asking right now, not someday:

1. Is the amount still right?

A lot of families bought a policy when the kids were in diapers and a 30-year mortgage was brand new. Today, the kids are older, the financial picture has changed, the income to replace is higher (or lower), and the time horizon has shifted. The right amount today is almost never the same as it was 10 years ago.

2. Is the type still right?

Term, whole life, universal life, each has a job. Term covers a specific window of risk (your working years, the mortgage, the kids' dependent years). Permanent coverage has a different role. The mix that made sense at 32 is rarely the mix that makes sense at 47.

3. Are the beneficiaries actually right?

This is the one we see clients fix most often during a review. An ex-spouse still listed as primary beneficiary. A parent named when the kids weren't born yet. A trust that no longer exists. The beneficiary form, NOT the will, controls who actually gets the proceeds.

A life insurance review doesn't take long. It's a 20-minute conversation that often produces meaningful changes. If you can't remember the last time anyone walked through your policy with you, that's the sign.

Not just insured. Truly protected.