Do I Need To Insure My Boat During The Winter When I’m Not Using It?

Posted: December 1, 2019

If you own a boat, you are not alone if you are wondering why you need boat insurance year round when you are only using your boat in the warmer months. In fact, some boat owners cancel their boat insurance after every boating season to save on premiums. However, this can actually be more costly in the long run. The following are some good reasons...

What Does Being “Vested” In Your 401(k) Mean?

Posted: November 28, 2019

As defined by the IRS, vesting in a retirement plan means ownership. Each employee vests a certain percentage of their account in the 401(k) plan every year. An employee who becomes 100% vested in his or her 401(k) account balance owns 100% of the balance. When this occurs, the employer cannot take it back (forfeit) for any reason. Amounts that are not vested in a...

Cargo Insurance Vs. Wholesalers & Distributors Insurance

Posted: November 19, 2019

Cargo insurance is not the same thing as wholesalers and distributors insurance. If your business is a wholesaler or distributor that ships cargo, you may need both types of insurance. Our experienced agent can review your business policies with you to help ensure you have the coverage you need at the best price for you. What Is Cargo Insurance? Cargo insurance provides protection against risks...

What Does My Renters Insurance Cover?

Posted: November 16, 2019

If you are renting a home or apartment, it is important to have renters insurance. Although there is no legal requirement that you carry renters insurance, it may be required by your landlord under the terms of your lease. It helps protect both you and your landlord by ensuring that, if something happens on the premises, either the landlord’s insurance or your renters insurance will...

Does Your Insurance Agent Do This For You?

Posted: November 13, 2019

Here's a direct example of what we do for our customers every day. If your agent isn't going above and beyond for you, it's time to switch to Gillman Insurance Problem Solvers. Copy of email below: Hi Eric – Your homeowners and auto insurance renewals are approaching and I’m writing to let you know I have reviewed your account. Our goal as an agency is...