Fix Rebuild Cost Gaps

Fix Rebuild Cost Gaps

Believe it or not, when you insure your home there are typically gaps between your coverage limit and what it would cost to rebuild your home as it was prior to a loss. Repairing these gaps can help protect you against unexpected out-of-pocket expenses should you need...
Control Group Health Costs

Control Group Health Costs

Group health insurance is one of the largest expenses your growing company will face. Premiums tend to creep up each year due to rising medical costs and utilization. Finding ways to control costs is essential if you want to keep group health affordable. Here’s what...
Bundle or Separate Insurance

Bundle or Separate Insurance

Bowthorpe & Associates Insurance Producers Do you have separate auto, home, and health insurance? Should you bundle them together? It’s tempting to just go with whichever option saves you money. However, when you’re paying thousands of dollars every year on...
Finding The Right Health Plan for Your Family

Finding The Right Health Plan for Your Family

Selecting your family’s health insurance plan each year is one of the most significant financial decisions that you will make. The right coverage can open doors to quality care and positive health outcomes without causing financial hardships. The wrong plan can plunge...
Commercial General Liability Limits Explained

Commercial General Liability Limits Explained

Commercial General Liability Limits Explained When deciding what general liability limits to purchase, you should consider how much coverage you need to sufficiently protect yourself from lawsuits and weigh that against the most amount of coverage you can get for your...
Umbrella Insurance Coverage Triggers 

Umbrella Insurance Coverage Triggers 

For most people, umbrella insurance triggers kick in when your underlying liability limits have been exhausted. While this statement is generally true, umbrella coverage only responds to certain claims under certain circumstances. Knowing when your umbrella responds...