When the weather is freezing cold one minute and then warmer than normal the next, the pipes in your home face the very real danger of freezing. The #1 homeowner claim we see is property damage that has been created by a burst pipe. The losses can be devastating. Even a crack as small as 1/8” can create a...

A Personal Umbrella Policy, also known as Excess Liability Insurance, is something that every successful individual should consider adding to their insurance portfolio. It provides coverage over and above the limits offered by your homeowners, renters, automobile, or watercraft policies providing an extra layer of protection should you get sued. An excess liability policy offers protection against claims including bodily...

If you own a Business considering the addition of a Cyber Liability Insurance policy may be a smart move. A cyber liability policy can protect your business from a myriad of risks that include security breaches, theft of records, sharing of personal information, data breaches, as well as media or communication liability. Below are a few cyber security tips we...

  While there are certainly risks in any industry, one of the industries that face a large amount of risk is the hospitality industry. When you own and operate a hospitality-based business, managing these risks is crucial to making sure they run smoothly. In the following blog, we will review some of the risks the hospitality industry face and provide...

With New Year’s Eve on the horizon, we thought it fitting to have a conversation about the dangers of drinking and driving and offer some thoughts to help keep you safe!   According to the SafeAuto.com compared to an average night of the week, there are 71% more crashes with drugs or alcohol as a factor on New Year’s Eve....

When there is snow in the forecast, you want to be sure that you do all you can to keep yourself and your family safe. We thought it might be helpful to provide a few of our favorite tips for keeping safe when you must be driving on snowy roads. Allow for plenty of time. The best advice we can...

  One of our core values here at Advocate Brokerage is Educating Each Client We Serve. We strive to provide our clients with as much information as possible so that they are able to make better-informed decisions when it comes to their insurance. Our goal is to ensure that our clients have the most comprehensive coverage possible. Coverage that is...

It costs more to own and operate a vehicle than ever before. From higher prices at the pump, to the increasing costs of purchasing a vehicle, to the high cost of repairs, to the rising insurance rates, owning a car in 2022 is higher than ever. According to a report by AAA the cost to own and operate a vehicle...

  Last month we discussed the importance of protecting your business from a fire but statistically speaking, commercial water damage poses more of a threat. Water damage at a commercial property can come from a number of sources. Some of the most common include: Any appliances that use water on the premises Any existing water supply lines Leaking boilers or...

  While the first official first day of winter won’t be here until December 21st, we think it’s wise to take action now to do what you can to prepare for the season ahead. We’ve prepared a checklist of top tips to help you prepare and protect your home and cars from the potential damage that can occur during the...