KCM Insurance Agency

Hiring independent contractors (1099 workers) can be a great business move, but does your insurance cover them? Many business owners assume their general liability (GL) policy does — but that’s not the case. Swipe through to learn how to protect your business.

Want to review your coverage? Contact our team today to ensure your business is fully protected.

Property damage can be unpredictable, but knowing who is responsible can make all the difference when filing a claim. Swipe through for what every business owner should know.

Knowing the details of your policy can help protect your business from unexpected financial burdens. Contact our team today to review your coverage.

May is Bicycle and Motorcycle Safety Awareness Month, making it the perfect time to share a few safety reminders. Whether you're cycling for fun or cruising on your motorcycle, these tips will help you stay safe on the road:

✅ Gear up. Wear a properly fitted helmet and use reflective gear, bright clothing, and lights to stay visible.
✅ Plan your route. Stick to bike lanes or less-congested roads. Motorcyclists should avoid high-risk traffic areas when possible.
✅ Stay alert. Watch for blind spots, sudden stops, and lane changes.
✅ Ride predictably. Use proper signals and obey traffic laws to communicate your movements to others.
✅ Maintain your wheels. Check brakes, tires, and lights regularly for a smooth and safe ride.
✅ Set an example for kids. If riding with children, model good safety habits — they’re more likely to follow your lead!

Even with the best precautions, unexpected situations can arise. Have questions about how insurance can protect you on the road? Our team is here to help — reach out anytime!