Brad warned that American Family & State Farm insurance companies have announced rate increases at the next renewal period.

Especially important to have “replacement” value on your personal property insurance and not “actual cash value” which may be little to nothing at the time of the claim.

Have enough liability insurance to cover injuries if you have people coming to your place of business.

Umbrella insurance can help cover expenses above regular insurance that you would otherwise be liable for but may not cover injuries to yourself by an uninsured or underinsured drivers.

Brad offered to review anyone’s current policy with any company for free to make sure you have the coverage you need.