Monday, January 16, 2023You probably keep all of your important documents—your birth certificate, social security card, diploma and transcripts—in a safe place, but have you documented your possessions so that they can be replaced if their lost due to a fire, flood, theft or other incident? READ MORE >>
Tuesday, December 27, 2022It’s essential to maintain health insurance coverage. These policies make the cost of health care much more affordable than it would be if you were to pay wholly out of pocket. However, health insurance isn’t free. You must pay your premium. If you don’t, you could lose your coverage. READ MORE >>
Wednesday, November 30, 2022If you own commercial real estate, it is essential to have the proper insurance in place to address the exposures associated with this type of property. The team at Heritage Agency: Real Estate & Insurance in Hermann, Missouri, has the knowledge and experience to help you analyze your risks and select the coverages that best address your needs. READ MORE >>
Wednesday, October 26, 2022How much you pay for your medication will vary, even if you have Medicare Part D coverage. That’s because every pill has a different value and use. How insurance companies pay for different drugs will likewise differ. This likely comes from the way Medicare’s prescription formulary pays. READ MORE >>
Monday, September 19, 2022Crop insurance often comes as part of a farm insurance policy to protect the unique risks faced by farms and ranches. At its simplest, crop insurance provides compensation to the farm if crops are lost or destroyed due to certain incidents. Covered incidents often include: READ MORE >>
Monday, August 15, 2022While many life insurance policies exist, there are two main types of policies. Your first decision when purchasing a policy is to choose whether you wish to buy term or permanent life insurance. But what’s the difference between these types of coverage? Term Life Insurance Policy READ MORE >>
Thursday, July 7, 2022Investing in business insurance makes good financial sense. Most companies recognize the risks they face when confronted with a fire or a lawsuit. However, it only takes only a single incident like this to see just how financially devastating it can be. One simple and affordable way to protect your company is to purchase BOP insurance. READ MORE >>
Thursday, June 9, 2022According to the Census Bureau’s Business Formation Statistics, new business formation reached an all-time high in 2021, with more than 5.3 million applications filed. If you’ve recently started a business, you may feel overwhelmed by long to-do lists as you work to get your small business off the ground. READ MORE >>
Tuesday, May 10, 2022Within the restaurant industry, theft is a growing problem. Theft can occur in various forms. Management, employees, customers and others can be risks when protecting your company’s assets. Inventory for a restaurant is some of the most valuable of the assets owned. Yet, it is at one of the highest risks of theft. READ MORE >>
Tuesday, April 19, 2022Each year, numerous grain bin deaths and injuries occur at farming operations across the country. In late March 2022, an Iowa man died in a grain bin accident near Williamsburg. According to the U.S. Bureau of Labor, farming is among the nation’s most dangerous occupations, making it imperative that those who work with grain bins use safety measures to lessen risk. READ MORE >>
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