Songer Insurance Agency, Inc. Blog

All You Ever Wanted to Know About Insurance

Not All Insurance Quotes Are Equal

These days, an agency that doesn't offer a free car insurance quote online is in the minority. But just because it's easy and free to get a quote doesn't mean you're getting the best quote. And it doesn't guarantee you'...

Read More


When Should You File A Claim On Your Business Insurance?

So when should you file a claim on your business insurance policy? The short answer is: ASAP. Filing a claim against your business insurance is something no one looks forward to. The idea that your small or medium-...

Read More


Two Types of Insurance Agents

Two types of agents sell insurance policies: captive and independent. A surprising number of consumers aren’t familiar with these terms or what they mean. Basic Definitions Captive Agents: Carry only one insurance...

Read More


Commercial Property Protection

It is important for underwriters to understand the extent and capability of the fire protection that is available to control and extinguish a fire. Adequate fire protection with early detection can significantly reduce...

Read More


What Is an Umbrella?

An umbrella policy provides worldwide liability coverage over and above that offered by underlying policies. For most personal lines clients, these underlying policies will be auto and homeowners. The liability coverage...

Read More


Cyber Liability Insurance for Businesses

Businesses of all sizes depend on computer systems and the proprietary data stored on them to keep operations running smoothly. A computer attack may disrupt your operations, potentially threatening your business...

Read More


Workers Compensation for Businesses

If you own a small business and are in the market or workers compensation here are a few things we will evaluate when determining the risk of your business. Exposure Review; identifying hazardous conditions due to: •...

Read More


Commercial Auto Medical Payments

This coverage is intended to pay the bodily injury an insured and insured’s passenger sustain in an automobile accident. This is a no-fault type coverage found in a tort liability state system. It does not cover...

Read More


Commercial Property Insurance Continued

Commercial property Insurance coverage can either be issued mono line, as part of a commercial packaged policy or as part of the business owners policy commonly referred to as a “BOP.” Insurance carriers appetite for...

Read More


Personal Umbrella

Personal Umbrella Overview: Auto and homeowners policies provide adequate liability protection for many people. Why, therefore, would anyone purchase a personal umbrella liability policy? The primary reason is to...

Read More