Westan Insurance - Martin

Summer is one of the busiest travel seasons of the year. It’s also one of the most unpredictable.

Over the past year, flight cancellations and long delays have become far more common. That’s where travel insurance comes in.

Travel insurance can help protect your trip when the unexpected happens. There are a number of issues that can derail travel plans, but coverage may help by:

🔹Reimbursing non-refundable expenses if a trip is canceled.
🔹Covering costs tied to flight delays like hotel stays, meals, and transportation.
🔹Helping to offset the cost of purchasing essentials if your baggage is lost or delayed.
🔹Providing coverage for medical emergencies while traveling.
🔹Offering emergency evacuation coverage, in certain cases.

No one wants their travel plans disrupted, so having coverage in place can make those situations easier to manage if they arise. And in the meantime, the right travel insurance lets you focus on enjoying your trip rather than worrying about delays and unexpected extra costs.

Have an upcoming summer trip and want to review your travel insurance options? Our team is here to help. Give us a call today!

Our team wants to wish a very Happy Mother’s Day to all of the moms, grandmothers, and other maternal figures out there.

From the late nights of the newborn stage to the late nights waiting up for teens, we owe moms a debt of gratitude — and sleep!

So whether you’re a mother yourself, you’re celebrating your mom, honoring your partner, or recognizing another maternal figure in your life, we hope this day is full of appreciation.

With National Small Business Week here, we wanted to share some key insurance considerations for any small businesses navigating higher costs.

When budgets are tight, it might seem like a good idea to keep coverage lean, but being underinsured can cause devastating consequences. Here are a few risks of not having enough insurance:

✅ A loss can become an out-of-pocket event - If building, inventory, equipment, or tools are underinsured, you can end up paying the gap between what your policy covers and the actual cost to repair or replace the lost item(s) after a fire, theft, or storm, even if you “have a policy.”

✅ Income can stop, but bills keep coming - Property coverage can help offset repair costs in the event of damage. But without the right business income coverage, payroll, rent, and ongoing bills keep coming even when operations and cash flow have paused.

✅ Liability can spill past your limits - A single claim can bring legal defense costs, settlements, and medical expenses that exceed your limits, creating a significant financial burden.

If you have questions or are interested in adding additional coverages, give us a call. Our team can help find a solution that respects your budget and strengthens your long-term protection.

As a business owner, you might be planning how you’ll spring-clean your team's workspace. But have you considered spring-cleaning your network and devices as well?

Cyber incidents are becoming more common and more costly, and falling behind on key cybersecurity best practices can expose your business to attacks and breaches. Swipe for a few key moves that can help protect you and your team.

These tips can’t prevent cyberattacks or data breaches outright, so you must have cyber insurance to protect your business. Call our office, and we’ll point you to the right coverage.