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Tips & Resources



CEO Message: Why Work in Insurance?

I have noticed that there is a positive correlation between my tenure in the insurance industry and how often I am asked, “Why did you pick insurance?” In other words, the older I get, the more frequently I am asked why I picked what I did as a career choice. Perhaps those asking this question wonder why anyone would choose an industry as staid and traditional as ours. Or, these same people may wonder why someone like me (who is perceived as having a “plan” for everything) would pick insurance. Well, the truth is I didn’t pick insurance; I fell into it.

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Day in the Life of an Auto Insurance Claims Adjuster

You probably don’t spend much time thinking about claims adjusters – until you need one. When that happens, you might become very curious about claims adjusters, what they do and how their work will impact your insurance claim. To give you some insight, here’s an inside look at the day-to-day work of an auto adjuster.

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The Rise of Distracted Driving and What We Can Do About It

Today, we live in a fast-paced world where multitasking is the norm. Do you ever find yourself sipping coffee on your commute to work or scrolling through your email in stand-still traffic? Though these may seem like mindless acts, they both constitute distracted driving.

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How to Plan an Affordable Vacation

You don’t need to deny yourself a vacation to be financially responsible. You also don’t need to destroy your budget to go on vacation. There is a happy medium. With a few adjustments, it’s possible to plan an affordable vacation.

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How to Prevent Water Loss in Your Condo

We couldn’t live without water, yet too much of it – especially in the wrong place – can cause major damage. Water damage is a common cause of home and condo insurance claims. It’s a constant threat, and avoiding it requires constant vigilance.

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Is It Necessary to Hire a Public Insurance Adjuster?

Your basement floods. Your kitchen catches fire. A tree falls on your roof. Good thing you have homeowners insurance. Now that you’re filing a substantial claim, however, you’re worried that you won’t get the payout you need. How will the insurance company even know how much the claim is worth? You’re thinking about hiring a public insurance adjuster. Before you make a decision, it’s helpful to understand the process.

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The Pros and Cons of a Named Perils vs. All-Risk Homeowners Policy

You probably spent a lot of time picking out the perfect home. Selecting the right homeowners insurance policy also requires attention to detail. Not all policies are the same. It’s not just the deductibles, limits and premiums that can vary. The types of claims covered also change depending on the policy. A high limit won’t do you any good if your claim is excluded, so understanding what your policy does and does not cover is absolutely essential.

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Know the Basics of Contractual Risk Transfer

As the contractor on a construction project, you face a multitude of serious risks. When you start bringing subcontractors into the project, those risks go up exponentially. Suddenly you could be exposed to liabilities for damages or injuries caused by those subcontractors working on your behalf, whether it’s an injury to one of the sub’s employees, an injury to a site visitor, or some type of property damage.

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Anatomy of an Insurance Claim: 7 Crucial Steps

If you’re like most homeowners, you don’t give your insurance much thought … until you need to use it. One day a devastating fire, water leak, or other disaster could leave your home with extensive damage. Do you know what comes next? Are you prepared to navigate the recovery process? Instead of waiting until disaster strikes, take a few minutes now to understand the claim process.

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Occupational Safety: When, How and Where to Report Incidents

When it comes to occupational safety and health, all employers in Hawaii have reporting requirements with which they must comply. Understanding when and to whom incidents need to be reported can be confusing, especially for smaller employers or employers with very limited or sporadic experience with work-related injuries or safety incidents. Here are answers to frequently asked questions on this topic to help guide Hawaii employers through the reporting process.

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What to Do After a Car Accident

More than seven million police-reported crashes occurred in the U.S. in 2016. Even if you’re a safe driver, the odds are high that you’ll be involved in a car crash at some point in your life. Even a minor fender bender is enough to ruin a person’s day, but mistakes after the accident can make it even worse. Prepare yourself with the knowledge of what to do – and what to avoid – after a motor vehicle crash.

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Should I Refinance? Six Things to Consider

After paying your bills, getting groceries and handling all the other expenses that have a way of popping up, it may seem like you never have anything left to put toward important things, like your children's education and your own retirement. It's a common problem, and if it sounds familiar to you, you're probably looking for a way to cut costs.

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What to Do If Your Vehicle Has a Recall

Has your car been recalled? According to NHTSA, there were 813 new vehicle safety recalls in 2017. A total of more than 30 million vehicles were affected by recalls, but a quarter of them were never fixed. That leaves about 7.5 million faulty vehicles on the road.

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Tips for Holiday Shopping on a Budget

‘Tis the season for giving – but too much giving can put a serious strain on your wallet. Don’t spend the new year deep in debt. Follow these 10 tips to keep your holiday shopping within your budget.

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How to Weigh Your Childcare Options

Evaluating your childcare options? It’s not easy. In fact, choosing appropriate childcare is one of the most stressful decisions parents face. Below, you’ll find key factors to consider, a list of your options and some insightful tips to help you through the selection process.

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