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Car crashes are one of the greatest dangers your teens face. According to the Centers for Disease Control and Prevention, the risk of motor vehicle accidents is higher among 16- to 19-year-olds than among any other age group—they are nearly three times more likely to crash than older drivers!

While it’s important to repair any issues with your car in a timely fashion, it’s sometimes better to cut your losses and purchase a new car altogether. However, it can be difficult to know when it stops making sense to pay for repairs. Keep the following considerations in mind to help guide your decision:

Hurricane Season: The Importance of Being Prepared
From June through November, hurricanes are at their peak. As we know, heavy rains and catastrophic winds can severely damage or destroy homes and businesses. The best way to minimize damage from a hurricane is to be prepared before one strikes.

Maintaining your gutters is important, as it can help you avoid costly repairs in the future. In fact, if gutters are obstructed and rainwater doesn’t flow properly, damage from rainwater or freezing can add up quickly.

In order to keep your gutters in good condition, consider the following tips:

Each year people vote for the very best in the Virgin Islands... Best Hotels, Best Restaurants, and yes...Best Insurance Agencies! If you want to give a shout out to our team, cast your vote for BEST OF THE VI awards, and continue the winning streak we've seen over the past several years. Voting is simple and can be done right from your cell phone or computer. 

Each year people vote for the very best in the Virgin Islands... Best Hotels, Best Restaurants, and yes...Best Insurance Agencies! The winners are voted on by people both from the VI and the mainland who want to recognize their favorite local businesses.

Suppose you're leasing a storefront to a retailer that makes improvements to the facility by adding features to help sell its products. During the lease, a fire breaks out and damages the building, including the features added by the retailer to improve the space. 

When the insurance claims are made, the following questions arise:

Customer personal injury claims can be costly and very damaging to your establishment’s reputation. They can be much more frequent than employee claims in some types of stores, especially warehouses that allow customer access. Employee safety programs are not sufficient to protect customers, who are at risk for many more accidents than employees for three primary reasons:

Summer is known to be the season of fun in the sun – but it also brings the threat of dangerous storms. Summer weather can become extreme with thunderstorms, hurricanes, tornados, and the threat of flooding on top of it all. Don’t get caught unprepared in an emergency.

We are excited to announce that we have been included in the "best of the best" honorees from the Times Herald Record Readers' Choice Awards again thsi year!  We were one of the top 3 votes for Insurance Company, Insurance Agent (Brian from our Middletown office) and also for Best Overall Employer!