Jessica Dicks - Account Executive

05/26/2026

05/13/2026

Your Business.
Your Livelihood.
Our Priority.

04/28/2026

04/06/2026

🚗 FULL TORT vs. LIMITED TORT — this one decision can cost you BIG time…

Most people in Pennsylvania pick limited tort to save a few dollars…
👉 but they have NO idea what they’re giving up.

Here’s the simple breakdown:

🔓 FULL TORT = FULL RIGHTS
If you’re injured in an accident, you can seek compensation for pain & suffering—no restrictions.

🔒 LIMITED TORT = LIMITED RIGHTS
You may NOT be able to recover for pain & suffering…
❗unless your injury meets certain legal thresholds (which isn’t always easy)

💬 Translation:
You could be seriously hurt… and still not get compensated the way you expect.

👀 I review policies every day, and this is one of the most misunderstood coverages I see.

And no—more expensive doesn’t always mean better… but this is one you NEED to understand.

📩 Want me to check yours?
Message me “TORT” or drop it below and I’ll review your policy!

03/31/2026

🚨 Contractors — This is where most of you are exposed (and don’t even know it)

If you’re running a business and only have “basic liability”…
there’s a good chance you’re not actually covered the way you think you are.

I see it all the time:

❌ No coverage for subcontractors
❌ Workers Comp not set up correctly
❌ No coverage for tools & equipment
❌ No bond when a job requires it
❌ Personal auto being used for business (major red flag)

And the worst part?
👉 You don’t find out until there’s a claim.

That’s not how I do business.

At Pontius Insurance, I work with multiple carriers to build contractor policies that actually protect you:

✔ General Liability
✔ Workers Comp
✔ Commercial Auto
✔ Tools & Equipment Coverage
✔ Bonds
✔ Umbrella Policies

No guessing. No gaps. No “hope this is covered.”

Just the right coverage — built for how YOU actually operate.

CTA:
If you’re a contractor and haven’t reviewed your insurance in the last year…
Let me take 10 minutes and check it for you.

📲 Message me or call/text: 724-977-8100