Kardin Mitchell - Cottonwood Insurance

06/11/2026

Kardin’s Learning Corner

Ever looked at your auto insurance limits and thought, “I have no idea what those numbers actually mean…”? You’re not alone!

One of the most common questions we hear is the difference between Split Limits and Combined Single Limits (CSL). While both provide liability protection, they work very differently when it comes to paying for injuries and property damage after an accident.

In this week’s Learning Corner, we break it down with a simple example to show how the same accident can lead to different out-of-pocket costs depending on how your policy is structured.
Understanding your coverage today can help prevent expensive surprises tomorrow.

If you're not sure, I'm always happy to help explain it—insurance shouldn't require a decoder ring.

05/28/2026

☕ Looking forward to our next Coffee & Connections meetup in June.

I’ve really enjoyed seeing people make real connections at these events — referrals, friendships, business partnerships, and just good conversations with solid people.

If you’re looking to meet other local professionals in a relaxed setting (without the super salesy networking vibe), come grab a coffee with us at Honeysuckle Coffee.

📅 Thursday, June 18
⏰ 9:00 AM

Bring business cards… or don’t. Mostly just bring yourself and come connect.

Skip the boring networking events-this is where real relationships start. Join us for a laid-back, high-value morning at Honeysuckle Coffee.

05/20/2026

Protect what matters most — your home, your car, your business, and the life you’ve built.
Since life is unpredictable… kind of like trying to carry all the groceries in one trip. Sometimes things don’t go as planned.

Make sure you’ve got protection in place for life’s unexpected moments — so you can focus on what matters most.

801-803-9304
[email protected]

05/11/2026

Come join us Friday May 22 for our networking luncheon. Casual setting, an opportunity to present your business, and make connections with business professionals like you.

Come for the pasta, stay for the partnerships—enjoy lunch, make connections, and engage in meaningful business growth conversations.

04/13/2026

Contractors—quick question: are you actually covered for the risks you face every day?

It’s easy to assume you’re protected, but there’s a big difference between General Liability (job site accidents, property damage) and Professional Liability/E&O (mistakes in your work or advice).

This quick breakdown makes it simple to see where gaps can happen—and trust me, those gaps tend to show up at the worst possible time (usually right after you thought everything went perfectly).

If you’re not 100% sure your coverage lines up with your work, it might be worth a quick review. No pressure, just clarity.

04/13/2026

As a contractor, you build the world around us—but who’s protecting what you’ve built? From jobsite mishaps to stolen tools and unexpected delays, you face risks every day. That’s where I come in.
✅ General Liability – For “oops” moments that could turn into lawsuits
✅ Error and Omission – For the losses from your advice as the licensed professional
✅ Workers’ Comp – Keep your team safe and stay compliant
✅ Tools & Equipment Coverage – Because your tools are your livelihood
✅ Commercial Auto – From vans to pickups, we’ve got your fleet covered
✅ Bonding Solutions – Win more bids with confidence

04/06/2026

My friend Devin at Top Shelf Plumbing Pros has recently been able to help a couple of my customers with some major water issues. My customers have given great feed back on how helpful he was.
Don't let the plumbing stress you out, let Devin care of it! I will be recommending him to all my customers.
https://www.facebook.com/share/p/1GgvKaqT9a/

A customer called me after another company gave her a big “above and beyond” estimate for a rental property. I took a look, explained what actually needed to be done, and fixed the problem without piling on extra work. Ended up saving her roughly half compared to the other quote—this is exactly why I focus on being the plumber people can trust. Contact me if you have questions
https://topshelfservicings.com/

03/23/2026

A customer recently experienced knocking in their walls and wasn’t sure what was causing it. When I inspected their home, I found the water pressure was dangerously high at 100psi due to a faulty pressure regulator. I advised them to check pressure yearly because valves wear down over time. After replacing their pressure regulator and lowering it to a safe 65psi, the knocking stopped, and their plumbing is back to normal. Most of my work involves water heater replacements and repairs, as well as fixing leaking or burst pipes. Send me a message if you’re experiencing any plumbing issues—I can help with a ballpark estimate and a safe, effective solution.

https://www.facebook.com/profile.php?id=61584836986201

Top Shelf Plumbing Pros provides reliable residential plumbing services you can count on. From repairs and replacements to everyday plumbing needs, we deliver quality workmanship, honest pricing, and dependable service.

03/23/2026

If you feel you’re paying too much in taxes, my friend Trenton at 5D Accounting, Tax, & Consulting, PLLC is the guy to talk to. He helps you keep more of what you earn. Now’s the time to act and hold on to your hard-earned money.

https://www.facebook.com/share/p/1Bb1A84Vpb/

Tired of High Taxes and Low Support?

You’re not alone! I kept hearing the same thing from individuals and business owners: “I’m paying way too much to my bookkeeper, in taxes, and I can never get ahold of my accountant.”

That’s why I started 5D Accounting. I want to give small business owners and individuals just like you something better.

With 5D Accounting, you don’t just get an accountant. You get:
- A personalized tax savings plan tailored to your situation
- Unlimited messaging access to our team
- Monthly check-in calls to keep you on track
- An annual one-on-one strategy session
- A year-end tax return review

We’ve helped business owners and proactive individuals across Utah save tens of thousands of dollars in taxes—sometimes up to $30K in a single year.

The best time to plan is right now, not April 15 when it’s too late. Let’s put strategies in place so you’re not stuck with surprises.

Message me today (801-610-9570) or visit 5DAccounting.com to book your free preliminary review.