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
When a data breach or other cyber event occurs, the damages can be significant, often resulting in lawsuits, fines and serious financial losses. What’s more, cyber exposures impact businesses of all kinds, regardless of their size, area of focus, or status as a private or public entity.In order for organizations to truly protect themselves from cyber risks, corporate boards must play an active role. Not only does involvement from leadership improve cyber security, it can also reduce… READ MORE
As a homeowner, one of your top priorities is keeping your property and family safe from intruders. With the advent of smart homes and new technology, home security is easier and more affordable than ever.The following are some new technologies that can protect you and your loved ones from criminals:Doorbell cameras—Doorbell cameras are a great way to see who is at the door before you open it. This is especially useful if you have children who are frequently home alone.Smart door… READ MORE
It’s commonly believed that hands-free accessories are a safe way to use cellphones while driving. However, more than 30 studies show that they are actually no safer than handheld devices.Though hands-free devices are marketed as a way to keep a driver’s hands on the wheel, they present other dangers. For example, many of these devices require a driver to take his or her eyes off of the road—such as to navigate through an infotainment system or to ensure the accuracy of a… READ MORE
Who would expect one life insurance policy to be flexible enough to conform to life's needs as they evolve? But universal life insurance can. Its many options and flexible features can grow with you over a lifetime of change. A permanent life insurance policy offers cash accumulation with control, flexibility, and options - it's well-suited for addressing changing needs.Life events many individuals experience include:MarriageBirth or adoption of a childPurchase of a homeJob change… READ MORE
Service: Chalmers is open and here for you.Our resilient team of licensed agents is working remotely and can be reached Monday through Friday from 8am-4:30pm by phone, email, and video.Use your Client Portal to access your policy virtually anywhere, 24/724/7 Claims reporting is active – call 800-360-3000We will continue to reach out, review coverage, and advise and advocate for you during these challenging times, and in the future. Please do not hesitate to contact us.Payments: Most… READ MORE
