Thomas Angier Farmers Insurance

05/26/2026

Yesterday, we took time to honor and remember the brave men and women who made the ultimate sacrifice for our country. From all of us, thank you to those who served and the families who continue to carry their legacy forward.

Memorial Day also marks the unofficial start of summer travel season — and with more families heading out on vacations, road trips, and long weekends, now is a great time for a quick insurance checkup before you travel.

Before you head out, there’s ONE simple thing you should do in your house that could save you from a major water damage disaster while you’re away…This week on Tom's Tuesday Tip

05/22/2026

Coverage Check KC: Independent Contractor Confusion

A contractor hired workers classified as independent contractors. After a workplace injury, questions arose about workers’ compensation and liability responsibilities.

What went wrong? Common assumptions:
• Issuing a 1099 automatically removes coverage responsibilities
• Classification doesn’t affect insurance structure

Why it matters:
Worker classification can impact liability exposure and required coverages. As businesses grow, policy structure should grow with them.

General educational info only. Coverage varies by policy and situation.

05/19/2026

This week in Tom's Tuesday Tips

Last week, Tom discussed having Car Rental Insurance for you policy. This week, Tom explains how your auto insurance extends to rental cars, but also why purchasing the rental company’s additional coverage can still be a smart move.

Key Takeaways:

Your personal auto policy typically covers rental vehicles
Rental agencies offer additional physical damage coverage
This extra coverage prevents claims from impacting your personal policy
Helps avoid deductibles, rate increases, and claim history issues

Bottom Line:
Even though you’re covered, paying a little extra for rental coverage can save time, stress, and potential long-term costs.

05/15/2026

☀️ Happy Weekend! ☀️
We hope you have a relaxing, fun, and safe weekend ahead with family and friends.

Whether you’re spending time at home, heading out for an adventure, or simply enjoying some well-deserved downtime, we hope it’s a great one!

Liz and Tom at Farmers Insurance - Thomas Angier— Happy Weekend! 🚗🏡❤️

05/15/2026

Coverage Check KC: General Liability vs Property

A small business owner believed their General Liability policy would cover interior fire damage to their own building and contents. They later learned GL primarily addresses claims involving third-party injury or damage.

What went wrong? Common assumptions:
• One commercial policy covers everything
• Liability includes building damage

Why it matters:
Commercial policies often include multiple components: liability, property, and business interruption — each serving a different purpose. Understanding what each section protects can help business owners make informed decisions.

General educational info only. Coverage varies by policy and situation.

05/12/2026

This week's Tip from Tom.

Tom explains the importance of having rental car coverage on your auto insurance policy. If your vehicle is in the shop due to a claim—like a collision, hail damage, or hitting a deer—this coverage helps pay for a temporary replacement vehicle.

Key Takeaways:

Covers transportation while your car is being repaired
Typically provides $30–$50 per day for a rental
Helps avoid out-of-pocket expenses during unexpected repairs
A small add-on that can make a big difference in convenience

Bottom Line:
Without rental coverage, you’re responsible for your own transportation costs—something many people don’t think about until it’s too late.

05/08/2026

Coverage Check KC: Adding a Teen Driver

A parent added their teenage driver to their policy and was surprised by the premium increase.

What went wrong? Common assumptions:
• The increase would be minimal
• Driving history doesn’t impact pricing until after tickets

Why it matters:
Statistical risk plays a significant role in pricing. Preparing ahead and understanding available discounts may help families plan for this transition. 🏢 COMMERCIAL SERIES

General educational info only. Coverage varies by policy and situation.

05/06/2026

05/05/2026

This week on Tom's Tuesday Tip we have Liz Crenshaw filling in.

It's Mother's Day this Sunday. Many of you probably bought your mom or wife a nice piece of jewelry.

Is it protected? Le's hear from Liz.