McCarty Insurance

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McCarty Insurance

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07/21/2026

If you’ve ever loaned your car to a friend or borrowed someone else’s vehicle, you may have wondered what happens if an accident occurs. Would the vehicle owner’s insurance apply — or would the driver’s policy take over?

In most situations, auto insurance follows the vehicle first, not the driver. That means the car's policy is usually the primary source of coverage in the event of an accident. However, that’s not always the case. Swipe for some key details about when the vehicle owner’s policy kicks in and when the driver’s policy is used.

If you’re ever unsure how your coverage applies, want to double-check your policy, or layer on additional auto coverages, we’re always happy to take a look with you. Feel free to give our team a call. We are here to be a resource for you.

07/14/2026

From hurricanes, floods, and wildfires to hail, tornadoes, and severe thunderstorms, weather-related losses continue to shape underwriting decisions across the country. As a result, agents are running into tighter carrier appetites, higher deductibles, reduced limits, added exclusions, and more scrutiny on risks that may have been easier to place in prior years.

Some of the coverages feeling this pressure most often include:

🔵 Homeowners and dwelling property in catastrophe-exposed areas
🔵 Commercial property, especially for habitational, real estate, and other weather-sensitive risks
🔵 Flood, wind, and hail-driven placements
🔵 Builder’s risk for projects with higher natural catastrophe exposure
🔵 Higher excess layers on property programs in storm-prone regions

This is where a strong wholesale partner can make a real difference. When a risk becomes more complex, our role is to help you find a path forward by bringing additional market access, specialized underwriting insight, and creative structuring options to the table.

Whether you need help with a difficult submission, a renewal that is coming back with challenges, or an account that no longer fits the market, I am here to help you find solutions quickly. Give me a call today, and we can get started

07/08/2026

As we get closer to boating season, our team has been having more conversations with clients who are either getting their boats back in the water or are taking a fresh look at their overall liability protection on the water.

This is a good time of year to revisit boat insurance, especially since more people are getting out and enjoying the water. Swipe for an overview of common boating accidents, liability, and how boat insurance can help.

If it’s been a while since you last reviewed your policy, or if you want to get set up with your own dedicated boat policy, we are happy to help. Feel free to reach out, and we can start the conversation.

07/03/2026

Happy Fourth of July!

Two hundred and fifty years of liberty is worth celebrating with everything you have got. Whether that means fireworks, family, or a mouth-watering backyard cookout, our team hopes you have a patriotic and joyful celebration.

Please note that the office will be closed on Friday, July 3rd, in observance of Independence Day. We will be back after the holiday weekend and look forward to connecting with you soon.

06/21/2026

Happy Father's Day to all the fathers and father figures who show up with dedication, patience, and purpose.

The day is a chance to honor the dads and father figures who have taught us life lessons, made us laugh, and shown us what dedication looks like.

To those celebrating, being celebrated, or honoring the memory of someone who shaped your journey, we wish you a meaningful day filled with appreciation.

06/05/2026

For many contractors, equipment is one of the most valuable parts of the business. That is why it is essential to understand how that equipment is protected as it moves from one jobsite to another.

Equipment floater insurance is a specialized form of inland marine coverage that focuses specifically on contractor-owned equipment.

This includes items such as excavators, loaders, generators, and other machinery that regularly travel between job sites.

Because these assets are both valuable and exposed to a range of risks, equipment floater policies are designed to cover losses from events like theft, vandalism, fire, and certain weather-related damage. This ensures that critical equipment can be repaired or replaced quickly, helping to minimize downtime and project delays.

The right approach often depends on the types of contractor-owned equipment your business relies on, how frequently those assets are transported, and the exposures they face throughout day-to-day operations.

If you would like to discuss whether your current policy provides the right level of protection for your equipment, feel free to reach out.

06/03/2026

Summer calendar filling up? Before the weekends start flying by, it’s worth doing a quick summer “toys” insurance check to ensure your summer adventures don’t come with an expensive surprise. Swipe to see which coverages are best for some common summer rides.

Not sure you’re fully covered ahead of this summer? Call our office today. We’re here to help you enjoy a stress-free, adventure-filled summer!

06/01/2026

With summer home-improvement projects top of mind for most, I wanted to reach out with a couple of upgrades you can consider adding to your to-do list this season. Proactive maintenance and targeted upgrades can improve comfort and property value while reducing energy costs and even insurance claims.

Swipe for a few key home prep tips to consider this summer.

Preparing now can help protect your home, reduce insurance exposure, and improve long-term value. If you need recommendations for trusted local service providers, want tailored advice on prioritizing improvements that provide a strong return on investment (ROI), or just have a question, feel free to reach out. We’re here to help!

05/27/2026

Classic cars are not just vehicles — they are investments, passion projects, and pieces of history. That is why insuring them requires a different approach than standard auto coverage.

From agreed value policies to specialized usage considerations and restoration coverage, classic car insurance is designed to reflect the true value and unique risks of these vehicles.

For retail agents, placing this type of coverage can come with added complexity. That is where working with MGAs, like our team, can make a difference. We are here to help navigate specialty markets, identify the right carriers, and structure coverage that aligns with your client’s needs.

If you have a classic car placement you’re working on this summer and would like assistance or a second set of eyes on a risk, don’t hesitate to give our team a call.

Address

455 Constitution Way
Idaho Falls, ID
83402

Telephone

+12085235858

Website

http://holdenmccarty.com/

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