Advance Planning Insurance

Happy Father’s Day to the dads, stepdads, grandfathers, and father-figures who show up every single day. To all the dads on our team, in our community, and among our clients: thank you for everything you do, seen and unseen.

Traveling to Europe may look a little different this summer.

The European Union’s new Entry/Exit System is now in place for many non-EU travelers, including Americans visiting participating Schengen Area countries.

The system replaces passport stamps with a digital process that records entry and exit information. Travelers may be asked to provide passport details, fingerprints, and a facial scan when arriving.

The rules for how long visitors can stay have not changed, but the process at some airports may take longer as travelers and border officials adjust to the new system.

Larger airports and major travel hubs may experience longer wait times, especially during peak travel periods.

For anyone heading to Europe, a little extra time at the airport could help make the arrival process smoother.


Source:

Heading to Europe this summer? What to know about the EU's new Entry/Exit system. Travel experts say to be prepared for potential disruptions as countries implement the new Entry/Exit System now in place across the EU and other countries.

📞 The Three Phone Calls Every Business Owner Hopes Not to Make 😬

Running a business means making lots of calls. Customers, vendors, employees, that one supplier who never picks up on the first try. 🙃

But there are three calls every business owner secretly hopes they never have to make. We've been on the receiving end of all of them, and here's what we've learned:

📱 Call #1: "Something happened at the shop." Fire, break-in, water damage. Once everyone is safe and the space is secure, call us. We'll help you figure out the next steps. 🔥

📱 Call #2: "An employee got hurt." It's stressful for everyone, especially the injured person. Deal with the emergency, then talk to us. We'll walk you through how your coverage can help. 🏥

📱 Call #3: "We just got served." A lawsuit notice in the mailbox is one of the worst feelings in business. We can help you figure out what is covered or not under your policy for legal issues. ⚖️

These calls are awful. But they're also exactly why we do what we do. You don't have to figure it out alone, and you definitely don't have to figure it out fast. 🤝

📖 A Quick Story About Why We Ask So Many Questions ❓

When you sit down with us to talk about business insurance, the questions can feel overwhelming. What do you do, who do you do it for, where do you do it, how often, with whom, using what equipment? What is this, an interrogation? 😅

But there's a reason for that. Let’s look at a hypothetical situation.

A bakery owner comes in to get a quote. Sweets shop, busy neighborhood, two employees, the works. 🧁

On paper, it’s simple. But during the conversation, almost as an afterthought, she mentions that they also cater weddings on weekends. Off-site. Sometimes out of state. 💒

That one detail changes everything:

🚐 Her vehicle is being used for business, not just personal use.
🏛️ She is working at venues that may require additional insured status.
👩‍🍳 Her liability exposure may look very different from a shop owner's.

None of that is on the original application. It came up in conversation. 💬

That's why we ask. Not because we love forms. Because the thing that might matter most for your coverage can be the thing you almost didn't think to mention. 🎯

What's something about your business that surprises people when they hear it? Drop it in the comments. We love this stuff. 👇