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Knowing Your Risks: Medical Offices

If you’re the owner of your own private practice medical office, you know that owning and operating a doctor’s or medical office can be financially rewarding, but it definitely comes with its own risks and exposures that are vastly different than other industries. If you’re looking to open your own practice, it’s important to understand

Term v.s Whole Life Insurance

Shopping for life insurance can seem overwhelming. One thing to decide when you start shopping is: do you need term life insurance or whole life insurance? Both have their pros and cons and it’s important to understand them when moving forward with purchasing a life insurance plan so that you can make the decision that

Basic Coverage that Restaurant Owners Need!

At Shields, we are equipped to help restaurants as well as caterers, food trucks, and coffee shops. As an owner of one of these types of businesses within the hospitality industry, you know that your exposures are unique based on the type of work that you do. Because of this, an insurance plan for a

4 Things You Need to Know as a New Non-Profit

As new a nonprofit, you’re probably jumping out of your seat to get started! You’re excited to show the community and individuals just what your organization could do for them. And while it’s great to be so passionate about your mission, vision, and motivation to help others, it’s also important to have your administrative tasks

Knowing Your Risks: Contractors

  As a contractor, your exposures are unique to the type of work that you do. So when it comes to insurance, you might be wondering what coverage is best for you! To do that, it’s important to understand your risks as well as strategies to manage them.    CONTRACTUAL LIABILITY When you enter a

What Millennials Should Really Know About Life Insurance

If you’re in your 20s-30s, we know the last thing you want to think about is life insurance. Shopping around for something that’s only going to get used if you die doesn’t really sound like the most enticing conversation to have. The thing is, no one really likes thinking about life insurance. But, it’s good

Why Shouldn’t I Insure My Property for Market Value?

Purchasing a home is a big step towards your future and can be quite an investment. When purchasing homeowners insurance, you’ll want to make sure that you’re getting enough coverage to protect that investment as well as the financial future of your family. One question insurance companies get asked the most when it comes to

The Ultimate Guide to Lowering Your Business Auto Premiums

When Kathy Bates’ character gets cut off from a parking space by two teenage girls in the 1991 movie Fried Green Tomatoes, she vents her frustration by gleefully ramming the girls’ car repeatedly with her own. “Face it, girls,” she says before she drives away, “I’m older, and I have more insurance.” While we can’t

What it means to be in a “Hard Market”

The insurance market has a complex set of conditions that impact how risks are priced. Keep in mind that insurance is simply the pooling of similar risks, spread around many times, so that the “law of large numbers” can ensure that more money is collected than claims that pay out. Using this strategy, you can

5 reasons your business needs employment practices liability insurance

Employment Practices Liability (EPL) insurance provides coverage for your company or small business against claims made by employees that their legal rights have been violated in some way. EPL policies protect employers against claims like sexual harassment, wrongful termination, and similar claims. Here are the top five causes of EPL claims: Sexual Harassment In the

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