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ClaimsBond_oo7, Stringtown Road, Clarksburg, MD (2026)

08/21/2020

Customer be like....🤷🏾‍♂️😂

08/19/2020

The strength of the team is each individual member. The strength of each member is the team. - Phil Jackson 💡

07/21/2020

Operating a small business is a little like walking a tightrope – it’s exciting, however it comes with risk. It can be difficult to know which risks to take, and which to avoid. Also what about the ones you can’t see coming❓

Understanding the various kinds of insurance that are accessible to you and the particular risks your business faces will help you choose the right coverage.

The different types of insurance your business may need:

📍General liability - insurance covers claims of property damage and bodily injury by a third party. If someone comes into your location and hurts themselves, or trips and falls over your property or equipment, they can make a claim against you for their medical costs and, in some cases, lost wages.

📍Professional liability - insurance covers claims of errors (things that were done wrong) and omissions (things that should have been done but weren’t) that occur in the course of doing business.

📍Business owner’s policy (BOP) covers the tools and equipment you need to do your work and keep your business up and running.

07/21/2020

I've got a theory that if you give 100% all of the time, somehow things will work out in the end. - Larry Legend

07/06/2020

Life is marked by many precious moments. Some that you plan for and some that are unexpected. Whatever the moment is though, you want to make sure you’re completely protected so you can always provide for yourself and your loved ones.
Here are a few quick reasons you need life insurance‼️

📍If anyone relies on you financially, you need life insurance.

It’s essential if you are a spouse or the parent of dependent children. However, you may also require life insurance if you are someone’s ex-spouse, life partner, a child of dependent parents, the sibling of a dependent adult, an employee, an employer, or a business partner.

📍Are You A Business Owner?

What would happen to your business if something were to happen to you? Do you have a succession plan? If you a business owner and do not have a succession plan, speak to a financial advisor to get you on track to help you create one. This could mean purchasing some type of insurance product and creating some documents determining who would inherit your business and its assets and liabilities.

📍If You Were To Die Tomorrow, Who Would Assume Your Debt?

If you own a home, a business, or have personal liabilities, someone else will become responsible for those liabilities (generally your next of kin). Therefore, your spouse, your parents, or your siblings could end up having to pay your debts.

Life insurance is a key element of a complete insurance portfolio. If you’d like to learn more don't hesitate to shoot me an email or DM for a complete overview of your needs‼️

07/06/2020

“Success comes from knowing that you did your best to become the best that you are capable of becoming.” - John Wooden

06/30/2020

Protect yourself and your family with renters insurance‼️
🏢🏘🏡👨‍👩‍👧‍👦

It is one of the most commonly repeated myths about insurance. Renters don’t need insurance because their landlord’s policy provides coverage for the renters’ property.🤯

No, it doesn’t. Further, if someone slips and falls in your apartment or rented home, your landlord’s insurance usually won’t provide any coverage for you if you are sued.
Renters insurance is basically like homeowner's coverage without coverage for the structure.
📍Note. Renters insurance provides coverage for your possessions and liability if someone injured while on your premises sues you. Renters insurance also covers any of your possessions when they are away from your residence, including in your 🚙.
Also, renter's policies provide what are called additional living expenses. If some catastrophe covered by the policy -- fire🔥, bursting pipes💦 -- makes the place you are renting uninhabitable, the policy will pay some of the costs you incur to live somewhere else while the residence is being repaired.

If You Rent: How to Keep Track of What You Own...
* Tip. Like homeowners, you as a renter should have a written and visual inventory of all of your possessions. For items of significant value, you should write down the model numbers, serial numbers, date of purchase, and price. Make a written copy of your inventory and keep it at another location, along with your photographs and/or video of the items. A safe deposit box is a good place to keep such records.

If you're a landlord renting out a home, DM / Email me for help with a specialized policy). If your landlord/complex requires insurance, please don’t hesitate in contacting me to get a policy put in place ASAP! Renters insurance can help protect your personal belongings and valuables for as little as $10/month‼️

06/29/2020

“Never let the fear of striking out get in your way.” – Babe Ruth

06/22/2020

How to cut auto insurance cost during COVID – 19?

Unless you're considered an “essential business,” you’re probably spending a lot less time on the road—whether you use your vehicle for personal use or business. Does that mean your auto insurance rates should be lower❓

Several of the biggest insurance carriers in the U.S. say yes‼️

Below you'll find a few examples of steps you could take towards lowering your insurance cost during the COVID - 19 pandemic.

🔵 Contact your insurer. - Inquire about potential discounts and whether your risk profile has changed as a result of working from home. It’s also crucial to call if you’re struggling to handle bills as a result of the pandemic.

🔵Consider adjusting your coverages. - Look into, “pay-per-mile” or “usage-based” policy, (I.e. Allstate Milewise DM me for more info) in which drivers potentially pay less based on their mileage than a traditional policy. If you’re not commuting or if you don’t drive your car as much that could help you save on premium.

🔵Don’t cancel your policy. - Even if you’re not using your car, don’t cancel your policy — that coverage gap could end up costing you more down the road. The reason being insurers take “continuous coverage” into account when setting rates.

🔵Take advantage of your "Shelter in Place Payback". - Most of the major auto insurance carriers have advertised “payback” plans for insureds who are sheltering in place due to the COVID-19 pandemic and are no longer driving to and from work.

I hope the info above is useful, if you need any additional information please feel free to DM or Email anytime!

🚘🚗💰

06/22/2020

There may be people who have more talent than you, but there’s no excuse for anyone to work harder than you do – and I believe that. - Derek Jeter

06/18/2020

You probably know that your credit score can be a factor on whether you receive a loan for a house or a car, how much interest you pay on your credit card debt, even your employment prospects. But most consumers do not realize their utilization of credit can also impact insurance premiums. In most states, insurers can use your credit-based insurance score to determine your premiums. However, your credit score and your credit-based insurance scores are not the same. To make this topic more understandable here is a quick primer on credit-based insurance scores:

What is a Credit-Based Insurance Score❓

A credit score is a snapshot of your credit at one period in time. Credit-based insurance scores were introduced in the early 1990s and use particular elements of a person's credit history to predict how probable a consumer is to experience an insurance loss, as research shows there is a correlation between credit characteristics (credit-based insurance scores) and insurance losses.

How does it differ from your regular credit score❓

A credit-based insurance score surveys some, but not all factors in your credit history to determine how to manage your risk exposure.

How can an insurance company use your credit-based insurance scores❓

Insurance companies can only use your credit-based insurance score as one determinant in the underwriting process. It will be analyzed with many other factors that differ by insurance type.

What kind of information goes in to my credit-based insurance scores❓

Several different companies create credit-based insurance score reports for insurers to use. FICO looks at five general areas it believes will best determine how you manage risk. This is the breakdown of what it considers and how much the information generally weighs in figuring your credit-based insurance score:

📍Payment History (40%) — How well you've made payments on your outstanding debt in the past.
📍Outstanding Debt (30%) — How much debt you currently have
📍Credit History Length (15%) — How long you have had a line of credit.
📍Pursuance of New Credit (10%) — If you have applied for new lines of credit recently.
📍 Credit Mix (5%) — The varieties of credit you have.

06/15/2020

Anyone who has taken the big step to purchase a home or has shopped for one knows that homeowners insurance is a fact of life – others might call it a necessary evil; and for some peace of mind in times of calamity. Majority of homeowners are convinced by banks to buy home insurance, few people understand exactly who to trust, what their policy covers, when to make policy changes, where to shop for it, why it is priced the way it is or – most importantly – how they can take control of the process❗️

Unfortunately, many people who purchase homeowners insurance never really understand all of the features and the best way to achieve savings on their policy.

Here are 5️⃣ quick facts you should know about homeowners insurance to protect your personal finances.

1️⃣ There are different types of Homeowners insurance policies.

2️⃣ Poor maintenance may cause claim denials.

3️⃣ Homes near fire departments and fire hydrants cost less to insure.

4️⃣ Your credit score can significantly influence your insurance costs.

5️⃣ Certain losses are excluded from most home insurance policies.

Not sure you have the right coverage in place❔ Don’t Hesitate to DM or Send a Email for a free no obligation policy review‼️
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