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Two Ways To View Insurance

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Tom And Harrys Excellent Adventure

Inside the bustling confines of Café Caffeine, amidst the clinking of cups and the murmur of conversation, sat two friends and insurance agents, Tom and Harry, engaged in a spirited debate. Tom was a stickler for slashing prices, while Harry prided himself on selling the value, not just the steak.

Tom: “Harry, you’ve got to admit, nothing makes the phone ring like screaming, ‘Discounts! Get your discounts here!’ It’s like opening the floodgates.”

Harry, with a mischievous grin: “Oh, Tom, that’s one way to do it. If you’re running a supermarket sweep. Me? I prefer to think of insurance as fine dining, a vule. Why sell fast food when you can offer a gourmet experience?”

Tom: “Gourmet? It’s insurance, Harry, not a Michelin-star restaurant. People want savings, not caviar with their coverage.”

Harry: “Ah, but that’s where you’re missing the true value or flavor, my friend. When I sell a policy, I’m not just offering protection; I’m selling peace of mind and 24/7 concierge. It’s like insurance à la carte. Sure, you might lure them in with discounts, but I keep them coming back with the full-service experience.”

Tom: “Concierge, huh? What do you do, tuck them in at night and read them their policy until they fall asleep?”

Harry, laughing: “Only on request. But think about it. When someone’s life goes sideways, they don’t remember the 10% they saved. They remember the voice on the line or the personal visit, helping them patch their world back together. That’s value, my friend.”

Tom, chuckling: “I suppose next you’ll offer to insure their heartbreak too?”

Harry: “Now there’s an idea! ‘Broken hearts mended here. Terms and conditions apply.’ I’d buy that.”

Tom: “Alright, Harry, you’ve made your point. Value has its… well, value. But if you start offering heartbreak insurance, sign me up. I might finally get over my high school crush.”

Harry: “Deal. But it comes with a premium. After all, the true value is priceless.”

As they shared a laugh, it was clear that while their methods might diverge, their hearts and their humor were in the right place. In the world of insurance, whether you’re selling on price or on value, the real win is in making sure your clients feel protected, appreciated, and, yes, even a little bit entertained.

Auto Insurance Troubles in 2024

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In December 2023, the United States witnessed a remarkable surge in motor vehicle insurance premiums, marking the most substantial increase since the mid-1970s. According to government data, these premiums escalated by a notable 20.3% compared to the same period in the previous year. This rise in insurance costs has emerged as a significant element in the broader inflationary trend, contributing to a 3.4% year-over-year increase in the Consumer Price Index (CPI) for December, as reported by the Labor Department.

The increase exceeded the projections of economists polled by Reuters, who had anticipated a 3.2% rise, and surpassed November’s 3.1% increase. While high shelter costs continue to play a major role in overall inflation, the unprecedented hike in car insurance rates stands out as a key driver. This surge in insurance premiums has been consistent throughout the year, with a 1.5% monthly increase in the last month alone, paralleling the average monthly rise over the past year.

Tom Simons, a U.S. economist at Jefferies, points out the uniqueness of the motor vehicle insurance (MVI) component in the CPI. He notes the lack of immediate signs of relief from these high rates. Several factors contribute to this trend, including increased costs for labor and vehicle parts, higher vehicle prices, declining demand from reinsurers, and risks associated with natural disasters.

Auto insurance, typically subject to state-level regulation and exhibiting significant regional cost variations, has rarely been a dominant factor in overall inflation. However, in the final quarter of 2023, it accounted for 15% of the headline price increases, marking a significant shift.

The White House has responded to this situation, with National Economic Council Director Lael Brainard emphasizing the need for independent agencies to focus on combating unfair and deceptive pricing practices. This response indicates a potential increase in regulatory scrutiny in the insurance sector.

While the impact of rising insurance costs on the overall inflation trajectory and the Federal Reserve’s monetary policy remains uncertain, Simons suggests that it might not be substantial enough to influence monetary policy decisions significantly. However, he also admits the difficulty in forecasting the future trend of these insurance costs.

The dramatic rise in motor vehicle insurance premiums in the U.S. has become an unexpected and influential factor in the nation’s economic scenario, particularly in the context of inflation. This development presents new challenges for both policymakers and economic analysts.

Navigating Insurance, A Year In Review 2023

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The insurance industry saw significant changes in 2023 due to technological advancements, regulatory shifts, and economic uncertainties. Let’s examine the major concerns for individuals and businesses within this evolving insurance landscape, emphasizing the need for strategic planning and informed decision-making.

Top Insurance Issues In 2023

Cybersecurity Threats: With the digital age intensifying, families and businesses face increased risks of cyber-attacks and identity theft. Comprehensive insurance policies covering identity theft, data breaches, and ransomware attacks are in high demand.

Supply Chain Disruptions: Ongoing global supply chain issues necessitate insurance solutions to mitigate risks related to operational delays and disruptions.

Rate Increases: The insurance industry is witnessing substantial rate increases across various policy types, challenging individuals, and businesses to find a balance between comprehensive coverage and budget constraints.

Inflation Impact: Inflation affects both insurance premium costs and coverage adequacy. The cost of medical expenses, car repairs, and construction costs has impacted insurers profitability. Everyone is concerned about maintaining sufficient protection as claim costs and operational expenses rise.

Regulatory Changes: Adapting to regulatory changes in different jurisdictions is crucial. Businesses seek insurance that protects against potential legal and regulatory liabilities. Families need to be educated on how building codes may impact rebuilding after a loss.

Insurers Limiting Coverage: Insurers are becoming more selective, often limiting coverage in many areas. This trend prompts everyone to reevaluate their risk management strategies and seek alternative insurance and even none insurance solutions.

Employee Health and Safety: The focus on employee health, including mental well-being, remains a priority. Companies are looking for insurance options that provide extensive coverage for employee health issues.

Actions for 2024

As we prepare for 2024, it’s crucial to take proactive steps in managing personal and business insurance needs:

Reviewing Coverage: Regularly review your insurance policies to ensure they align with your current risk profile and needs. Adjustments may be necessary to address new risks or changes in your business operations.

Assessing Limits: Evaluate the limits of your current insurance coverage. With the impact of inflation and changing risk landscapes, it might be necessary to increase these limits to ensure adequate protection.

Working with Your Insurance Agent: Collaborate closely with your insurance agent or broker. Their expertise can provide valuable insights into market trends, new insurance products, and strategies to optimize your coverage in light of emerging risks and industry changes.

Exploring Alternative Solutions: In response to insurers limiting coverage, consider exploring alternative risk transfer solutions, increasing deductibles, and even reviewing coverage to determine if you need especially coverage.

Emphasizing Risk Management: Enhance your internal risk management practices. Effective risk management can not only reduce your insurance costs but also improve your organization’s overall resilience.

Staying Informed: Keep abreast of industry trends, regulatory changes, and economic factors that could impact your insurance needs. Staying informed enables you to anticipate changes and adapt your insurance strategy accordingly.

Navigating the insurance landscape in 2024 and beyond requires a multifaceted approach for us all. By proactively reviewing coverage, assessing limits, working closely with insurance professionals, and staying informed, individuals and businesses can effectively manage their insurance needs in the face of evolving challenges and opportunities. Preparing for 2024 involves not just adapting to current trends but also anticipating future developments in the insurance sector.

Auto Insurance Troubles in 2024

/in ,

In December 2023, the United States witnessed a remarkable surge in motor vehicle insurance premiums, marking the most substantial increase since the mid-1970s. According to government data, these premiums escalated by a notable 20.3% compared to the same period in the previous year. This rise in insurance costs has emerged as a significant element in the broader inflationary trend, contributing to a 3.4% year-over-year increase in the Consumer Price Index (CPI) for December, as reported by the Labor Department.

The increase exceeded the projections of economists polled by Reuters, who had anticipated a 3.2% rise, and surpassed November’s 3.1% increase. While high shelter costs continue to play a major role in overall inflation, the unprecedented hike in car insurance rates stands out as a key driver. This surge in insurance premiums has been consistent throughout the year, with a 1.5% monthly increase in the last month alone, paralleling the average monthly rise over the past year.

Tom Simons, a U.S. economist at Jefferies, points out the uniqueness of the motor vehicle insurance (MVI) component in the CPI. He notes the lack of immediate signs of relief from these high rates. Several factors contribute to this trend, including increased costs for labor and vehicle parts, higher vehicle prices, declining demand from reinsurers, and risks associated with natural disasters.

Auto insurance, typically subject to state-level regulation and exhibiting significant regional cost variations, has rarely been a dominant factor in overall inflation. However, in the final quarter of 2023, it accounted for 15% of the headline price increases, marking a significant shift.

The White House has responded to this situation, with National Economic Council Director Lael Brainard emphasizing the need for independent agencies to focus on combating unfair and deceptive pricing practices. This response indicates a potential increase in regulatory scrutiny in the insurance sector.

While the impact of rising insurance costs on the overall inflation trajectory and the Federal Reserve’s monetary policy remains uncertain, Simons suggests that it might not be substantial enough to influence monetary policy decisions significantly. However, he also admits the difficulty in forecasting the future trend of these insurance costs.

The dramatic rise in motor vehicle insurance premiums in the U.S. has become an unexpected and influential factor in the nation’s economic scenario, particularly in the context of inflation. This development presents new challenges for both policymakers and economic analysts.

Three Key Action To Improve Your Personal Insurance In 2024

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In 2024, as in any year, managing your home and auto insurance effectively is crucial for financial security and peace of mind. Here are three key actions individuals should take to ensure they are optimally covered:

  1. Regularly Review and Update Policies

Why It’s Important:

Adapting to Changes: Life circumstances change—like buying a new car, renovating a home, or even changes in local laws—that can affect insurance needs.

Cost-Efficiency: Regular reviews can help you find better rates or discounts you might now qualify for and consider cost-shifting of dollars within your current insurance program to develop a stronger risk response if your budget for coverage is already reached its maximum.  Please only do so with the guidance of your agent so that all changes are fully understood, and risk assumptions are managed.

How to Do It:

Annual Check-ups: Set a yearly reminder to review your policies.

Consult with Professionals: Seek advice from insurance agents to understand changes in the market and how they impact your coverage.

  1. Increase Your Understanding of Insurance Terms and Coverage

Why It’s Important:

Avoiding Underinsurance: Lack of understanding can lead to inadequate coverage, leaving you vulnerable in the event of an accident or home damage.

Making Informed Decisions: Knowing what you’re buying helps in choosing the right coverage for your needs.

How to Do It:

Educational Resources: Utilize resources provided by insurance companies, or independent educational websites.

Ask Questions: Don’t hesitate to ask your insurance provider to clarify terms or coverage details.

  1. Explore Discounts and Bundling Options

Why It’s Important:

Cost Savings: Many insurers offer discounts for things like multiple policies, safe driving, or home security upgrades.

Convenience: Bundling home and auto insurance can simplify your financial management and often leads to discounts.

How to Do It:

Research: Have your agent look into various insurers to see what discounts they offer.

Negotiate: Don’t be afraid to negotiate with your current provider for better rates, especially if you have a good history with them.

Managing your home and auto insurance is an ongoing process. By staying informed, reviewing your policies regularly, and exploring all available options, you can ensure that you have adequate coverage without overspending. Remember, the best insurance policy is one that is tailored to your specific needs and circumstances.

Should Insurance Technology Always Be Trusted To Predict Accurate Or Fair Results?

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Insurance companies have relied on data to set their rates for years, but with the advent of advanced technology, insurers can now gather and analyze more data than ever before.  While the use of technology to set rates has its benefits, there are also several problems associated with this practice.

We will show you how an experienced agent can help you understand this technology and why it is important.  Many people are trying to push insurance into a commodity driven by technology and quick, cheap pricing.  We will continue to advocate the importance of personal relationships and how through these relationships, clients get the best combination of coverage price and service.  It is important to understand that insurance is not a product but a service.

Lack of Transparency

One of the biggest problems with insurers using technology to set rates is the need for more transparency in the process.  Insurance companies use complex algorithms to analyze vast amounts of data, and these algorithms are often proprietary and not subject to public scrutiny.  This lack of transparency can make it difficult for consumers to understand why they are being charged a certain rate or to challenge the accuracy of the data being used to set their rates.  Agents find it difficult to get answers to questions involving how this complex system process the data to get the final rate, therefor are not capable of explaining or encouraging modifications to behavior that are negatively affecting their insurance outcomes (cost or coverage).

Lack of Personalization

While technology can help insurers gather more data, it can also result in a lack of personalization in the insurance process.  Insurers may rely too heavily on data to set rates and overlook important factors that can affect an individual’s risk profile.  For example, a person with a safe driving record may be charged the same rate as someone with a poor driving record simply because they fall into the same demographic group.

Data Privacy Concerns And Unintended Consequences

The use of technology to gather data for insurance purposes raises serious privacy concerns.  Insurers are able to collect a vast amount of data on individuals, including information about their driving habits, health status, and online activity.  This data can be used to set rates, but it can also be used for other purposes, such as marketing or even denying coverage.  Additionally, insurers can gather more data on individuals.  In that case, it may lead to a situation where people considered high-risk cannot obtain insurance at all.

Benefits Of Having An Agent

Agents can help you design an insurance program that includes deductibles, limits, and coverage that represents the risks you have.  If you understand what you are buying, then you have a better basis for determining the best pricing options.  Factor in now how their data is being used to align with cost & coverage models, carrier appetite for their specific risk issues, finding the soft dollars that benefit the client amidst the complete underwriting and rating systems used by carriers, and still being able to speak to a live person at the end of all this to influence the final decision regarding a particular risk and you have a very important advantage on your side.

Unveiling the Risks of Employer-Utilized AI Programs

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In the ever-evolving landscape of technology, artificial intelligence (AI) has emerged as a transformative tool in various industries. One sector where AI’s impact is particularly significant is human resources, where AI programs are increasingly used by employers for tasks such as recruitment, hiring, and performance evaluation. While these AI-powered tools promise efficiency and objectivity, there is a growing concern about the potential for discriminatory outcomes, leading to Title VII discrimination claims.

Title VII of the Civil Rights Act: A Brief Overview

Title VII of the Civil Rights Act of 1964 is a landmark federal law in the United States that prohibits discrimination in employment on the basis of race, color, religion, sex, or national origin. Its intent is to ensure equal opportunities for all individuals in the workplace, regardless of their protected characteristics. The law applies to employers with 15 or more employees and covers various aspects of employment, including recruitment, hiring, promotion, and termination.

AI in the Hiring Process: Promise and Peril

Employers have turned to AI-powered programs to streamline the hiring process. These tools can help sift through large volumes of resumes, identify qualified candidates, and even conduct initial interviews using natural language processing. However, concerns arise when AI algorithms inadvertently replicate or exacerbate biases present in historical hiring data.

AI algorithms learn from historical data, which means they can inherit any biases present in that data. For example, if a company’s historical hiring data reflects a bias against a particular gender or ethnicity, an AI program trained on that data could perpetuate those biases, leading to discriminatory outcomes. Such outcomes are a direct violation of Title VII’s mandate for equal employment opportunities.

The Unseen Bias: How Discrimination Creeps In

The subtlety of AI-driven discrimination is a cause for concern. Unlike overt acts of bias, AI systems’ biases might remain hidden beneath layers of algorithms and mathematical complexities. This can make it difficult for both employers and employees to identify and rectify discriminatory practices. As a result, a qualified candidate might be unfairly rejected, or an employee’s performance might be evaluated unfairly, solely due to the biases entrenched in an AI program.

Challenges in Holding AI Accountable

Proving discrimination claims stemming from AI systems can be challenging. Unlike human decisions, AI algorithms lack subjective intent. This means that while the outcome might be discriminatory, proving the algorithm’s intent to discriminate is complex. Employers might claim that they acted in good faith by relying on technology that they believed to be objective and unbiased.

Mitigating the Risks and Ensuring Compliance

To minimize the potential for Title VII discrimination claims arising from AI programs, employers must take proactive measures:

Diverse and Comprehensive Training Data: Ensure that the training data used to develop AI algorithms is diverse and representative of the entire applicant pool. This can help reduce the risk of inheriting historical biases.

Regular Audits: Continuously assess AI algorithms for potential bias and discriminatory outcomes. Regular audits can identify and address bias that may have developed over time.

Human Oversight: Integrate human oversight into AI processes. While AI can aid decision-making, having human reviewers can provide a check against algorithmic biases.

Transparency and Accountability: Make AI decision-making transparent and explainable. Employees and applicants should understand how decisions are being made and have a recourse if they suspect bias.

Ongoing Education: Educate HR professionals and decision-makers about the limitations and potential biases of AI systems. This awareness can help them make more informed and fair decisions.

While AI programs offer significant benefits to employers, they also present potential risks when it comes to Title VII discrimination claims. Striking a balance between efficiency and fairness requires careful consideration of the design, implementation, and oversight of AI systems. As technology continues to advance, it is imperative that employers remain vigilant in upholding the principles of equal opportunity and non-discrimination in the workplace. Only by addressing these challenges head-on can employers harness the potential of AI without compromising the principles enshrined in Title VII of the Civil Rights Act.

 

 

 

 

 

What You Need to Know When Shopping for Commercial Auto Insurance

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Commercial Auto Insurance

As a business owner, ensuring the safety of your employees, vehicles, and assets is of utmost importance. That’s why having commercial auto insurance is a must. Commercial auto insurance is designed to protect your business in the event of an accident involving your company vehicle(s). However, shopping for commercial auto insurance can be a daunting task, especially if you’re not familiar with the process. Here are some things you need to know before shopping for commercial auto insurance.

Know the types of coverage you need.

Before you start shopping for commercial auto insurance, it’s important to know the types of coverage your business needs. This will depend on the type of vehicles you have and how they’re used. Some of the most common types of commercial auto insurance coverage include liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and medical payments coverage.

Understand the limits of coverage.

When shopping for commercial auto insurance, it’s important to understand the limits of coverage. The limit of coverage is the maximum amount that an insurance company will pay for a covered claim. Make sure that the limit of coverage is enough to cover the potential damages and liabilities your business may face in the event of an accident.

Have us shop around for quotes.

Like any other type of insurance, it’s important to shop around for quotes when looking for commercial auto insurance. Compare quotes from different insurance companies to find the best coverage at the best price. Make sure to compare apples-to-apples, so you are comparing the same level of coverage from different providers.

Check the insurance company’s reputation.

When choosing an insurance company, it’s important to check their reputation. Look for reviews from other business owners, ratings from independent agencies, and any history of complaints or legal actions against the insurance company.

Consider a package deal.

If you have multiple insurance needs, consider bundling your commercial auto insurance with other types of business insurance. This can often result in a lower premium and simplified billing.

Understand the deductibles.

When choosing commercial auto insurance, it’s important to understand the deductibles. A deductible is the amount that you’ll have to pay out of pocket before your insurance kicks in. Choose a deductible that you can afford in the event of an accident.

Read the fine print.

As with any insurance policy, it’s important to read the fine print. Make sure you understand the policy’s exclusions, limitations, and any additional fees or charges. Knowing the policy in and out will give you the peace of mind that you have the right coverage for your business.

In conclusion, commercial auto insurance is an important investment for any business with vehicles. When shopping for commercial auto insurance, be sure to consider your specific needs, compare quotes from different providers, check the insurance company’s reputation, understand the limits of coverage, and read the fine print. By doing so, you can find the right coverage to protect your business and its assets.

As a business owner, you have enough on your mind without having to worry about your insurance needs. You want to have the confidence that the business you’ve built is covered by a company that understands your business insurance needs.

Commercial business insurance provides wide-ranging protection for businesses and their subsidiaries under a single policy. There are various types of commercial business insurance that takes care of property, liability and workers’ compensation, to name a few. While property insurance covers damages to business property and products stored within the premises; liability insurance provides coverage for damages to third parties; and commercial auto insurance covers your vehicles.

 

While the massive national agencies spend millions on television ads and offer barebones policies, they do not know you. When your needs change or your situation complicates, you don’t want an automated phone tree or cold cyber-agent. You want to talk to compassionate, honest insurance experts, close to home, right here in Beavercreek, OH – that’s our team. You shouldn’t have to spend hours researching and comparing policies. Let the specialists at Reichley guide you through the complex insurance industry.

Call today to alleviate the worry and get covered – (937) 429-0655.

 

Low Cost Insurance Is Not Better Insurance

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Insurance is a necessary expense for many people. Whether it’s health insurance, car insurance, or home insurance, having coverage can give you peace of mind and protect you from financial ruin in the event of an accident or unexpected event. However, not all insurance policies are created equal, and opting for the cheapest option may not always be the best choice. In fact, cheaper insurance is often not better insurance. Here are some reasons why.

Lower Coverage Limits

One of the main ways insurance companies can offer cheaper rates is by offering lower coverage limits. Coverage limits are the maximum amount of money an insurance company will pay out for a claim. If you opt for cheaper insurance, you may be getting lower coverage limits, which means you may not be fully covered in the event of a major accident or unexpected event. This can leave you with significant out-of-pocket expenses that you may not be able to afford.

Higher Deductibles

Another way insurance companies can offer cheaper rates is by increasing the deductible – the amount of money you must pay out of pocket before your insurance coverage kicks in. While a higher deductible can lower your monthly premium, it also means you’ll have to pay more out of pocket before your insurance company starts covering the cost of damages. This can be a burden, especially if you’re already struggling to make ends meet.

Exclusions and Limitations

Cheaper insurance policies may also come with exclusions and limitations that can limit your coverage. For example, some health insurance policies may exclude coverage for pre-existing conditions or limit coverage for certain medical treatments. Car insurance policies may exclude coverage for certain types of accidents or limit coverage for damages to your vehicle. These exclusions and limitations can leave you with significant gaps in coverage that can leave you vulnerable to financial loss.

Poor Customer Service

Cheaper insurance policies may also come with poor customer service. Insurance companies that offer cheap rates often need more resources to invest in customer service, which can lead to long wait times, unhelpful representatives, and delayed claims processing. This can be frustrating and stressful, especially if you need to file a claim in a hurry.

In conclusion, while it may be tempting to opt for the cheapest insurance policy available, it’s important to consider the potential drawbacks of doing so. Cheaper insurance policies may offer lower coverage limits, higher deductibles, exclusions and limitations, poor customer service, and less comprehensive coverage. Instead, it’s important to shop around for insurance policies that offer the right balance of coverage and affordability. By doing so, you can ensure that you’re fully protected in the event of an accident or unexpected event without breaking the bank.

Why Are Auto Insurance Rates Different In Each State?

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Auto insurance rates can vary significantly from state to state. There are many factors that contribute to these differences, including state regulations, demographics, geography, and even weather patterns.

The Pelican State, Delaware, Michigan, and California followed as the most expensive states in the country for auto insurance. The reason these states come with sky-high premiums varies everything from unique insurance coverage, crime, and high-density populations. Additionally, an increased number of uninsured drivers and costly lawsuits will always push up premiums.

The average premium in Ohio is $1,023, which is around 40% less than the $1,682 nationwide average. Because Ohio’s prices aren’t rising as quickly as those in other states and more people choose minimum liability coverage, rates there are less expensive than elsewhere in the nation.

Why Premiums Differ

State Regulations

One of the most significant factors that can impact auto insurance rates is state regulations. Each state has its own rules and regulations regarding insurance, which can affect how much you pay for coverage. For example, some states require drivers to carry more liability coverage than others, which can increase the cost of insurance. Additionally, states may have different rules regarding how insurance companies can set rates, which can also impact prices.

Demographics

Another factor that can affect auto insurance rates is demographics. Insurance companies consider factors such as age, gender, driving record, the kind of vehicle you drive, credit score, and marital status when determining rates. Younger drivers and male drivers tend to have higher accident rates, which can result in higher insurance premiums. Additionally, married drivers are often considered lower risk and may qualify for lower rates.

Geography

Geography can also play a role in auto insurance rates. Urban areas tend to have higher rates due to higher traffic volumes and greater risk of accidents. Additionally, states with higher rates of uninsured drivers may also have higher insurance rates for those who do carry insurance. The cost of repairs and medical care can also vary depending on where you live, which can impact insurance rates.

Weather Patterns

Finally, weather patterns can impact auto insurance rates. States that are prone to severe weather, such as hurricanes or tornadoes, may have higher rates due to the increased risk of damage to vehicles. Additionally, states with harsh winters may have higher rates due to the increased risk of accidents on icy or snowy roads.

You can obtain the best coverage based on your needs by using an agent to help you determine the kind of policy that you may require.

While the massive national agencies spend millions on television ads and offer barebones policies, they do not know you. When your needs change or your situation complicates, you don’t want an automated phone tree or cold cyber-agent. You want to talk to compassionate, honest insurance experts, close to home, right here in Beavercreek, OH – that’s our team. You shouldn’t have to spend hours researching and comparing policies. Let the specialists at Reichley guide you through the complex insurance industry.

Call today to alleviate the worry and get covered – (937) 429-0655.