B & S Insurance Agency

10/13/2026

Most homeowners or drivers have some form of homeowners and auto insurance; however, their coverage might not be enough to protect them in the event of a major claim.

When a serious accident or unexpected lawsuit exceeds what your existing policies can cover, the gap between what you owe and what your insurance pays becomes very real, very fast. That’s where umbrella liability coverage comes in.

Umbrella liability insurance covers costs that would otherwise come straight out of your pocket. With relatively low annual costs, this comprehensive coverage can be one of the most affordable ways to fully protect what you love.

So, if you’re curious about whether umbrella insurance makes sense for your situation, please don’t hesitate to reach out to our team. We are here to help you run the numbers and see what makes sense.

10/06/2026

Cyber threats are not just a concern for large corporations. In fact, small- and mid-sized businesses often face increased risk. This Cybersecurity Awareness Month, we are sharing a reminder of a few practical ways to strengthen your cyber defenses.

Of course, even with strong prevention measures in place, a cyber incident can still happen, and the cost of recovery can add up quickly. Having the right cyber liability coverage can help your business respond more effectively.

Have questions about cyber insurance or want to review your current coverage? Reach out to our team today.

09/24/2026

09/24/2026

Theft prevention is top of mind for many homeowners. Not only can it be deeply unsettling for your space to be invaded, but burglary can also represent significant financial losses for homeowners.

The good news is that a few simple prevention tips can go a long way toward protecting your home. Swipe for more.

While these tips can help deter burglars, they cannot fully prevent theft or mitigate the effects of a home invasion. That’s why it can also be crucial to ensure your homeowners insurance not only includes theft coverage, but that the coverage fully protects your home and belongings.

That said, if you have questions about your homeowners coverage and how it can help protect you in the event of theft, don’t hesitate to reach out to our team. We are here to help you.

09/22/2026

Can you believe there are only 100 days left in the year? Before the final stretch gets away from you, it is worth pausing to ask one simple question: has your life changed this year?

A new car, a home purchase, a career change — these are the kinds of milestones worth celebrating. They are also the kinds of changes that can quietly create gaps in your insurance coverage if your policies have not kept up.

Here are some of the most common life events that can affect your coverage:

✅ You bought a new home or renovated your home. A new home purchase or extensive renovations require coverage that reflects the property's true replacement cost, not just its market value.

✅ You purchased a new car. Purchasing a new car is a change that always merits a check-in about your insurance coverage, especially if you purchased a car worth more than the vehicle you were previously driving.

✅ Your family or household situation changed. Marriage, divorce, welcoming a new child, adding a teen driver, sending a child off to college, or welcoming an adult child back home are all changes that can affect your auto and homeowners coverage.

✅ You’ve acquired new valuables or heirlooms. If you’ve recently obtained or inherited new jewelry, art, or other collectibles, it may be worth reviewing whether these items would be fully covered under your current homeowners policy.

✅ Your income, assets, or career changed. A promotion, a new job, a side business, or an inheritance can all increase your financial exposure in ways your current coverage may not reflect.

If any of these sound familiar, our team would love to take a few minutes to review your policies together and ensure everything still aligns with where you are now. It's a simple conversation that can make a real difference.

Feel free to reach out anytime. We are here to help ensure your coverage keeps up with your needs.

09/15/2026

The transition into fall is the ideal window to take stock of your home and address small issues before they become expensive ones. A few hours of attention now can prevent thousands of dollars in damage later. Swipe for a few key areas to focus on.

We hope you found this seasonal checklist helpful! If you would like to get recommendations for trusted, local providers that can be of assistance, please feel free to reach out. And as always, if you have any questions or any other needs our team can assist you with, just give the office a call. We are here to help.

09/07/2026

Labor Day is all about celebrating the workforce, and the best way to honor hard work is to take a real break from it. So to celebrate, our team is fully committing to the cause by penciling some cat naps into our schedules this weekend.

A quick heads-up: The office is closed on Monday, September 7th. We will be back on Tuesday, September 8th — recharged, refreshed, and ready to get to work.

We hope you have a long weekend full of good food, good company, and zero emails!

08/13/2026

The Bull says stop by the office and pick up your Palmyra High School fall sports schedule. Available Now!

07/03/2026

Cue the fireworks, fire up the grill, and get ready for what might be the most ambitious birthday cake of all time. 🎂

America turns 250 this year, which means 250 candles on the cake … so someone should probably alert the fire department.

However you’re celebrating the Fourth of July, we hope it’s filled with great food, good company, and a sky full of fireworks.

Our office will be closed on Friday, July 3rd, in observance of the holiday. We’ll be back and ready to help on Monday. Wishing you a safe and happy Fourth!

06/30/2026

Are you Self Employed and in need of a retirement plan? We can help. Please reach out to us or stop by our office.