Songer Insurance Agency, Inc. Blog

All You Ever Wanted to Know About Insurance

Health Insurance for Employers in West Virginia

For businesses with at least one full-time employee, Songer Insurance Agency offers a variety of health plan options and insurers in Beckley West Virginia and surrounding areas. We're here to help you find the right...

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Minimum Auto Limits

Minimum limits are not defined in the generic multi-state personal auto policy form but rather in each state amendatory endorsement that modifies the generic personal auto policy to comply with local regulatory...

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Short-Term Health Insurance Overview

Short-term health insurance can be a great option today for many different reasons. The name itself in our opinion is somewhat misleading. You can purchase a short-term health insurance plan for up 360 days. In most...

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Commercial Business Automobile

Commercial auto is a combination of coverages to protect the assets commercial insured. Both first party type coverages and third-party protection are afforded. First party coverages: first-party coverage provided...

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Commercial Business Automobile

Commercial automobile insurance coverage protects businesses against a financial loss that can occur because of the ownership and use of vehicles. The commercial auto policy list who is covered what vehicles are covered...

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When to buy a Medigap Plan

Buy a policy when you're first eligible in Beckley West Virginia and surrounding areas: The best time to buy a Medigap policy is during your 6-month Medigap open enrollment period. During that time you can buy any...

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2019 Open Enrollment Is Here

If you need to enroll in health insurance for 2019, we are here to help. Here is a product/rate brochure for Highmark WV 20192019_Product_Brochure_.pdf. If you need further information or would like to enroll, please...

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Newly Acquired Autos

People typically buy an auto to replace an older vehicle or one that has been lost or damaged. More often than not, they upgraded- from a motor vehicle to a new one or from a lower price auto to a more expensive car....

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Personal Auto Rating

Personal auto insurance is class rated. Most state laws currently permit insurance companies to use in rating factors that are valid predictors of risk. Traditional rating factors including the drivers gender and age,...

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Individual Health Insurance-HSA Accounts

Open Your HSA and Start Saving You made a smart choice enrolling in a Qualified High-Deductible Health Plan (QHDHP). Now, you are eligible for a Health Savings Account (HSA) that will help you manage your health care...

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Individual Health Insurance Update

As we near the beginning of the 2019 Open Enrollment Period (OEP)(Nov. 1-Dec. 15) for Individual health insurance, we’re excited to make the following announcement for Highmark’s ACA Individual Market members. We’ve...

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Workers Compensation Overview

The fundamental concept of the workers compensation (WC) and employers liability (EL) insurance policy is the employer is responsible for paying benefits to an employee injured on the job whether or not the party was...

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Commercial General Liability Overview

Commercial General Liability (CGL) coverage is known as third party coverage. This simply means that an insured buys the coverage to protect themselves from claims filed by others against them due to their negligence....

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The comforts that a Guaranteed Universal Life (GUL) can provide:

Long Term Protection – a term that lasts to age 121. Peace – so you can sleep at night knowing your family will be taken care of. Stability that comes from a secure and trustworthy company. It gives the long-term...

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Highmark BCBS Group Insurance Update

On January 1, 2019, Highmark will launch the Site of Care Drug Management Program. This program benefits your business by helping to address the rising cost of certain specialty drugs. The program focuses on a subset of...

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Gender, Seniority Key Factors in Workplace Harassment: Hiscox Survey

More than one-third (35 percent) of employees in the U.S. feel they’ve experienced workplace harassment, and half of them believe it was due to their gender. A study released by specialty insurer Hiscox also found that...

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Insurers Forecasting Significant Claims from Businesses from Hurricane Florence

Days before Hurricane Florence is expected to slam into the U.S. East Coast, insurers are starting to see potential claims costs tick upward as people flee and companies halt operations. Evacuations, already affecting...

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Averse to Owning? Auto Subscription Services Bundle Car, Insurance, Maintenance

If you already subscribe to digital services like Netflix to binge on TV shows and Spotify to groove to an endless mix of music, the auto industry might have a deal for you: Subscribe to your next car as well. Make that...

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6 Tips for Getting to Work on Two Wheels

Did you know that hundreds of thousands of people in the United States commute to work by bicycle, according to the U.S. Census Bureau? That’s a lot of cars off the road each day, a lot of gasoline saved and a ton of...

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