A study from the American Association for Long-Term Care Insurance, reveals that few consumers have a plan in place for something that can quickly wipe out a lifetime of retirement savings.The first step in creating a practical plan is to get past some common myths surrounding long-term care, and to familiarize yourself with the facts – especially when it comes to paying for care.Myth #1: “The government will take care of me.”The most common myth is that the government will… READ MORE
Use our free checklist to learn more about how to prepare before a disaster strikes to keep your business afloat. Emergency Prep. Checklist for your Business READ MORE
As COVID-19 continues to spread throughout the United States, there has been a massive upheaval of the American workplace. Employers have found themselves drafting and implementing policies and procedures addressing a wide array of issues including remote work, layoffs, furloughs, pay cuts, workplace conditions and many more. Not surprisingly, the uncertainty wrought by COVID-19 has left employers at an increased risk of exposure to employment-related claims alleging wrongful termination… READ MORE
You have purchased a classic or antique vehicle and you’ll want to insure it properly, as it is an investment. Since classic and antique vehicles are all so different, your insurance coverage will be specific to your vehicle and how often you plan to use it. There are many considerations which you and Chalmers Insurance Group will discuss while creating a policy to suit your classic car.Coverage InclusionsA typical classic car insurance policy includes the following:Agreed value… READ MORE
Almost all business owners would agree, their most valuable asset are their employees and it is a sizable expense to hire and train new employees and to bring them up to a production level to justify the cost spent. The right employee can drive business in and the wrong employee can drive business out.Picture this, as an employer you have many employees as a part of your successful business but there is one employee who is the proverbial 'bad apple'. This employee does not follow… READ MORE
Now that many small businesses have adapted to work from home or remote work situations, the cyber liability conversation must be revisited. Many business owners have a cyber liability component of their information security risk management plan. While companies that issue company computers and laptops probably have internal defense, those computers must stay updated. If companies are allowing personal computers, printers, and other devices, they need to understand that there is a threat there.… READ MORE
One of the most common questions posed to insurance agents is “Am I covered when I rent a car?” While this seems like a simple enough question, in truth, the answer might be “yes”, “no”, and “maybe.”Here is a list of 10 very important questions that should be addressed before you drive away in your rented automobile:What type of vehicle are you renting? Your personal auto policy provides physical damage coverage for non-owned private passenger… READ MORE
