C&D Insurance Service

Owning a small business can come with a lot of considerations, regardless of whether you’re just starting out or have been running your business for years. One major thing that business owners need to consider is their commercial insurance coverage. It can be tricky for small businesses to balance cost and crucial coverage.

With that in mind, we wanted to share a few foundational coverages most small businesses benefit from:

✅ General Liability Insurance helps against bodily injury or property damage claims.
✅ Commercial Property Insurance can help cover buildings, equipment, and inventory.
✅ Business Owner’s Policy (BOP) will typically combine liability and property insurance into one affordable package.
✅ Workers’ Compensation Insurance is required in most states if you have employees.

Your needs will depend on your industry, size, and risk profile, but having the right coverage can help save you from costly surprises.

Our firm is here to help make sure that you have the coverage you need without breaking the bank. If you have a question about the right type of insurance for your small business, give us a call.

Are you planning on making a big purchase for a special someone this Valentine’s Day? If so, you might not realize that high-value items will need a separate insurance policy.

If you’re buying jewelry, fine art, or collectibles this Valentine’s Day, make sure you have:

✅ An appraisal to determine the value of your purchase, which should be updated regularly.
✅ Well-documented receipts, serial numbers, and appraisal results.
✅ Separate coverage to ensure full protection beyond your standard homeowners policy.

Leaving valuables underinsured could mean that you don’t receive the full value of the item if something were to happen to it.

Give us a call, and we can help you get a separate policy set up for any big purchases you plan to make this Valentine’s Day. Let’s make sure your valuables are properly protected.

Happy New Year!

As we step into 2026, we’re taking a moment to reflect on the year behind us and look ahead to what’s next. Thank you for the trust you’ve placed in us. We’re honored to support you and look forward to what the new year holds.

Please note that our office will be closed on January 1st. We’ll be back on January 5th, ready to hit the ground running.

Here’s to new goals, fresh starts, and a year full of possibility!

December 26th is National Homeowners Day, a timely opportunity to highlight the importance of well-rounded coverage for your home.

While homeowners insurance covers many risks, it doesn’t cover everything. Here are a few areas where standard policies may leave gaps:

⭕ Flood damage - Rising water from heavy rain or overflowing rivers isn’t included in most homeowners policies.
⭕ Earthquakes - Standard coverage usually leaves a home unprotected from earthquake damage.
⭕ Sewer or drain backup - Even small backups can lead to expensive cleanup and repairs, which are typically only covered with optional protection.
⭕ High-value items - Jewelry, fine art, collectibles, and other expensive items often exceed standard policy limits.

For coverage in these areas, separate policies may be necessary. If you want to explore whether additional coverages are needed, give us a call today. We’re here to help ensure your home is properly protected.