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First Independent - Descamps Insurance Agency Blog

View the latest blog posts from First Independent - Descamps Insurance Agency.

Adding a teen driver to an auto policy can be a challenging time. Know these stats before adding your teen and talk to our experts.     Source: Safeco READ MORE >>

Businesses have a lot of their most important assets stored on their property. Yet, no property is immune to sudden, unexpected damage. One of the most devastating of such occurrences is a fire. Smoke and flames, not to mention water used in dousing, can easily devastate a business. READ MORE >>

You’ll likely need general liability (GL) insurance as part of your commercial package. However, you shouldn’t assume that any GL policy will cover everything. Exclusions and limits will exist in your coverage. Take some time to learn more about what general liability insurance does not cover. READ MORE >>

Should you purchase life insurance after the age of 50? You may know there is real value in buying life insurance. You may also recognize that buying it at a younger age helps you save money. However, it is still possible – and still a good idea – to do so at 50. Consider your goals for it. READ MORE >>

Small businesses all over the United States are pressed with the question on whether or not to track the hours worked for their employees.  Business owners and managers may have concerns about employees being over(or under) paid, worried  about compliance or may simply want to modernize the old school time clock system. READ MORE >>

Whenever you drive, you are going to encounter other drivers. As a result, there’s a chance that you could harm them. Nevertheless, there’s also a chance that they could harm you.  After accidents, many drivers face questions about who was at fault in the accident. READ MORE >>

Moving to a new property brings with it a degree of unfamiliarity. After all, you will soon occupy a place where you haven’t spent a lot of time beforehand. What worked for the previous owner might not work for you. You might need to make certain improvements to the property to make it more secure  for your needs. READ MORE >>

A key reason to have business insurance is to protect your company from loss. However, it is up to you, as the business owner to make decisions about how to minimize loss.  Many companies have sexual harassment policies in place, for example. If you do not have one, that may be the first step necessary. READ MORE >>

Saving money is always an important step in creating financial security. Most people should have some money in their savings account. It can provide financial protection if you lose your job or face an emergency situation.  Yet, you also need to think long-term. READ MORE >>

It is time to consider a new auto insurance policy. You may hear terms such as policy cancellation and non-renewal. What do they mean? Are there implications to these that you should know about when it comes time to renew? Car insurance cancellation and non-renewal are two different things. READ MORE >>

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