Herring & Bickers Insurance Agency

03/16/2026

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.

02/04/2026

Help us win 3 years in a row! Click the link and vote.
Thank you for being the best customers, we appreciate you so much!

Our annual poll is back! You can cast your ballot now for your local favorites.

01/09/2026

A lot can change in a year, like getting married, welcoming a child, buying a home, moving, or even handing the keys to a teen driver. These milestones are exciting, but they also mean it’s time to check in on your insurance coverage.

Call our office today to schedule your New Year review. Our team will help you update your policies so your protection grows with your life.

01/06/2026

If you have an auto policy, bundling it with homeowners insurance could mean:

✔️ Fewer bills to manage
✔️ Potential savings
✔️ One point of contact for both policies

Interested? Give us a call today if you’d like to explore bundling options for the year ahead.

01/01/2026

As we step into 2026, we want to pause and wish each of you a successful, healthy start to the year.

Please note: Our office will be closed on January 1st and 2nd, allowing our team to recharge and prepare for all that’s ahead.

Here’s to fresh starts, full calendars, and finally remembering what day it is again!

12/23/2025

Running a business in winter comes with unique risks, and we’re dedicated to helping clients reduce the chances of seasonal claims. Swipe to see a few claims that top the list in winter and learn what you can do to reduce exposure.

If you have questions about coverage for your business or would like to review your current policy, call our office today. We’re here to help.

12/22/2025

As the year winds down, we're sending warm wishes your way. May this season bring peace, joy, and time to recharge with those who matter most.

Please note: Our office will be closed from December 24th to 26th and January 1st to 2nd, allowing our team to spend time with their loved ones.

Wishing you a joyful holiday season and a healthy, happy start to 2026!

12/18/2025

As winter gets underway, we’re sharing a few tips to mitigate seasonal risks and prevent costly commercial insurance claims.

Swipe for more information, and don’t hesitate to give us a call with any commercial insurance-related questions or needs.

12/17/2025

The holidays are a time for giving and receiving. Whether you're giving or receiving gifts like fine jewelry, electronics, or artwork, now is the time to ensure they're properly protected.

Here are a few things to keep in mind:

🎁Access receipts and appraisals for documentation.
🎁Notify your agent to update your coverage with a personal articles policy or endorsement.
🎁Act quickly, as many policies have deadlines for adding newly purchased items.

Additionally, if you've traded in or purchased a new vehicle during the holidays, be sure to report the change to your auto insurance carrier to maintain appropriate coverage.

Not sure if your current policy has you covered? Reach out today. We’re here to help ensure your peace of mind.

12/16/2025

Winter brings its own set of risks for businesses, but the good news is that many of the claims we see during this season can be prevented.

Here are some of the most common winter weather insurance claims and how you can reduce the risk of needing them:

🔵 Roof damage - Clean gutters and downspouts, trim nearby trees, and get a roof inspection soon if you haven’t had it checked in a while.
🔵 Slip-and-fall accidents - Keep walkways salted, shoveled, and well-lit to reduce hazards for employees and visitors.
🔵 Frozen pipes - Insulate pipes in vulnerable areas, and keep indoor temperatures consistent to help prevent bursts.

Call our office today if you have commercial insurance-related questions or needs. Our team is here to help.

12/04/2025

Hosting friends and family this holiday season? Before the eggnog starts flowing and the guest room fills up, take a moment to check in on your homeowners insurance.

Holiday gatherings can bring unexpected risks, and the last thing you need is a claim turning cheer into chaos. Swipe through for a few holiday hosting risks to keep in mind.

The good news? A quick policy review can go a long way toward peace of mind. If you'd like to talk through your coverage before the celebrations begin, we’re here to help make your holidays joyful and worry-free. Give us a call today with questions or concerns.