I spent my snow day in NY calculating generational wealth with a life policy extending it to 4 generations.
I LEFT OUT CALCULATING FOR COMPOUND INTEREST, WHICH MEANS IT'S MORE MONEY... BUT THE STRUCTURE IS WHATS IMPORTANT,,
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Charlie Munger, the longtime business partner of Warren Buffett, believed that wealth was not usually built through flashy investing or trying to get...
The Four Seasons of Small Business Risk
Winter: Property Damage and Slip-and-Fall Liability
Winter is expensive for small businesses. Water and freezing damage is the number-one small business property claim, according to The Hartford’s 2025 data. Burst pipes, ice dams, and frozen sprinkler systems...
The Four Seasons of Small Business Risk
Winter: Property Damage and Slip-and-Fall Liability
Winter is expensive for small businesses. Water and freezing damage is the number-one small business property...
March 27, 2026
An insurance agent needs to bind a general liability policy before their client’s lease signing tomorrow. With traditional carriers, that’s 2-5...
March 19, 2026
Insurance agents advising small business clients frequently face a foundational coverage question: Should this client purchase General Liability insurance or a Business Owners Policy (BOP)?
General Liability insurance covers...
March 6, 2026
Small businesses don’t all face the same risks. A freelance designer working from a laptop has very different insurance needs than a bakery with ovens,...
February 26, 2026
Independent agents face increasing pressure to not just move faster, quote more, and win more small business accounts but also deliver better...
February 13, 2026
Short Answer: Most small businesses benefit from working with an insurance agent. Online insurance is faster, but agents help prevent coverage gaps, compare multiple...
February 5, 2026
An agent submits what appears to be a simple consulting risk. Days later, the submission is still in underwriting review. The client follows up...
If you are buying a home in Ohio, flood insurance pricing can feel inconsistent.
One homeowner pays $300 per year. Another pays $2,500 for a similar-looking property.
At Flood Insurance Guru, we have reviewed hundreds of flood insurance quotes across...