Northshire Insurance

10/16/2025

We moved to Shaftsbury & are still serving all of Vermont and 10 other states!

05/12/2025

I haven't posted on my business page in a while...

This was a fantastic meme I made from an actual flyer! I can't remember what the guy in the original flyer was actually trying to sell, perhaps a course in laupghing therapy!

It my makes me chuckle to this day!

11/06/2024

This right here 👇!

10/22/2024

We are gearing up for winter! Are you?

Here is our short list to help you be prepared for the 24/25 winter season!

Home Winterization: Insulate pipes to prevent freezing, check your heating system, and clean out gutters to avoid ice buildup.

Roof and Chimney Inspections: Make sure your roof is clear of debris, and inspect chimneys for blockages or leaks to prevent fires.

Snow Removal Equipment: Ensure shovels, snow blowers, and salt or sand are ready to manage snow and ice.

Car Winterization: Check tire treads, replace windshield wipers, and ensure antifreeze and heating systems are functioning.

Emergency Kit Preparation: Have an emergency kit in your home and car, including blankets, flashlights, batteries, and first-aid supplies.

02/08/2024

Might it be time to get a real agent?

01/29/2024

01/12/2024

In recognition of MLK Day on Monday, we will be closed!

Remember, it's the content of your character that matters over anything else!

09/28/2023

Commercial Insurance Audits:

What are they? Why are they important? Do you have to do them?
An insurance audit is a process in which an insurance company reviews a policyholder's records and financial information to verify the accuracy of the information provided when the insurance policy was initially issued.

An insurance audit aims to ensure the policyholder pays the correct premium based on the business's size, operations, and associated risks.

These audits help prevent underpayment or overpayment of premiums and detect fraudulent misrepresentations by policyholders. If discrepancies are found during the audit, adjustments to the premium may be made to reflect the actual risk exposure. If it's discovered that you overpaid based on your audit, your company will receive a refund or credit towards your next term.

When we start your commercial and worker's compensation insurance policy, we ask 3 questions besides what your company does or what services are offered.

1. How many employees or subcontractors do you have?

2. How much is your Payroll?

3. What is your company's gross income

It's relatively easy, and even if we estimate because the company is new, the closer we are to those actual numbers, the less we have to worry about post-audit.

Audits will happen, yes, sometimes it's at random, but they are a standard part of the industry and should not be balked at or intimidating.

It is important to check your mail & email and always open up those letters from your insurance carriers.

When an audit is not done after it is requested, carriers will adjust your premium to the national average for other companies in the same field. This can double or triple the payment, and you have to pay it all at once.

If you are set up on automatic payments like most are, this can result in a huge sum of money being pulled out of your account, and it will take a few weeks to get it back in there.

So open that mail or email to see what they want, and feel free to contact me with questions!

If anyone out there is looking for commercial insurance in one of our 11 states, we would absolutely love to see what we can do for you!

06/19/2023

Heads Up!

If, for any reason, you dont have enough money in your bank account and payment fails.

Give us a call so we can get you back on Automatic Payments.

Not only will you lose your auto-pay discount, but you will also most likely go into cancelation because you are not used to making your payments.

Thank you, we love you!

04/17/2023

A big thanks to Kim & Tall Cat Coffee Roasters for allowing us to write the policies for the company! It's a brand I stand behind, drink & love!

We love serving our community!

http://www.tallcatcoffeeroasters.com/

02/16/2023

SO YOUR A REALTOR, LENDER, OR BUYER WANTING THE INSIDE SCOOP?

Three things every realtor, mortgage lender, and even the home buyer, must know about insurance!

I have a friend, Doug Newman, the Owner of EPS Insurance in Colorado.   I was reading his blog about addressing these must-knows and was very impressed with his ability to simplify these three extremely important things that so many people just don't understand when shopping for their new homeowne...