Winter conditions don’t go away just because the holidays are over. In fact, February is consistently one of the highest months for auto accidents due to icy roads, low visibility, and rapidly changing weather patterns.   Black ice is one of the biggest culprits. It forms quickly during overnight freezes and is nearly invisible to drivers. Potholes also worsen this time of year, thanks to freeze-thaw cycles that break down pavement. These road hazards lead to tire damage, ali

Umbrella insurance provides extra liability coverage for you or your business. This helps protect you or your business from large claims or lawsuits that exceed the limits of the liability coverage offered by your home, auto, or business insurance policies. Types of umbrella insurance coverage There are two types of umbrella insurance coverage. Personal umbrella coverage will take care of claims that are out of reach for your basic homeowners or auto insurance policies. The