Central Insurance Companies

Schedule It!

Your homeowners property insurance policy covers not only your home, but also your personal property anywhere in the world. As long as you have an active policy and damage to your personal property is the result of a covered cause of loss listed in the policy, you’ll have coverage (there may be some conditions and exclusions set forth in the policy that apply). Some of our most prized possessions are taken with us when we travel and can be stolen, lost or misplaced, especially jewelry.

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Chip Into Security

Most of our credit/debit cards now have chip technology, but sometimes it’s hard to know when and where to use them. Some merchants want you to use the chip, some terminals have a chip slot but aren’t set up for use yet, and some don’t have chip slots at all. What’s the deal? Here’s what you need to know about chip-enabled credit/debit cards:

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Precious Cargo: Keeping Your Children Safe in the Car

Every 33 seconds, a child is involved in a car crash. [1] Car crashes continue to be a leading cause of death of children in the United States. [2]

An average of 11 children per week died in motor vehicle accidents nationwide between 2010 and 2014. Of these deaths, 43% were either unrestrained or improperly restrained, including 15% who were sitting inappropriately in the front seat. [3] As a parent, grandparent, or other caregiver, nothing is more important than to keep our children safe from harm. As a driver, young children are the some of the most vulnerable passengers in the car. What can we do to protect them?
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Battery Safe Than Sorry

In September of 2017, the energy company Tesla will unveil an all-electric semi-truck powered by a battery. I found it interesting that something as massive as a freightliner could run on a battery. What was science fiction a decade ago is now reality due to technological advances. The same batteries that power our phones, laptops, and cameras are and will be playing a vital role in our transportation and manufacturing processes. This is a good thing as it serves to lessen our dependence upon fossil fuels, steering us towards more sustainable sources of energy that are better for the environment. While they offer great promise, batteries store large amounts of energy and, as such, have their own hazards. More and more events related to battery hazards are occurring like fire, explosions, and release of toxic materials. As lithium batteries become more prevalent in society, it is important for risk management professionals, safety personnel, and insurance professionals to be aware of these hazards and associated controls/risk management techniques to mitigate them.
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Playground Safety Tips

Each year I look forward to the summer months for a variety of reasons: warm weather, golf, cookouts, and – perhaps most important – opportunities for me to take our two young children to the park and watch them play without a worry in the world.

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The Benefits of Working with an Independent Agent

Having worked in the insurance industry for ten years, I have received many calls, e-mails, and texts from friends and family regarding their insurance needs. I am more than happy to assist where I can, but my conversations with them seem to always end with one question, “Do you have an independent agent?” Like many not in the insurance industry, insurance can be an unknown. It’s something that you know you need to have, but don’t fully understand how it works. It’s an intangible product that you pay for every year and hope to never use. Here are three reasons I believe working with an independent agent is the best option for purchasing insurance:
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A Quick Bite: Dog Bite Statistics

Dog ownership is very common in the United States, and a dog is more of a family member than a pet. Dogs also pose a great liability for homeowners and an increasing amount of claims are being seen related to injuries from dog bites.
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