Tips for Growing an Established Business

Try out these suggestions to help your business expand.Tips for Growing an Established Business

If your business is already established, expansion might not be the first thing on your mind. However, it’s important to remember that the competitive business world tends to reward companies that are constantly looking to grow and evolve. Here are some suggestions to help your established business expand.

Rebrand

If your company already has brand recognition, the idea of rebranding might seem crazy. However, for your business to expand, it’s important that your brand image accurately represents your company. If you find that your brand no longer fits, then its time to consider rebranding your business.

Listen to Your Customers

If you want to expand by offering new products and services, then turn to your customer base for advice. As your customers have likely been with your company for a while, they will be able to tell you where your business is lacking. By offering the things that your customers want, your business can grow in a way that provides value to your clients.

Seek Useful Partnerships

If your business simply does not have the resources to offer what your clients want, then look for a company that does. By partnering with another company, you can create a relationship that’s beneficial on all fronts. Both companies will benefit from increased business, and the customer base of each company will benefit from having access to an extended number of products or services. This is a great way to expand your business without having to invest too many additional resources.

Try out these suggestions to help your established business expand.  Want another way to set your business up for success?  Then make sure you have it covered by the right commercial coverages.  To find the right policies to meet your needs, contact the experts at Miller Carlisle Insurance Services.  We are ready to get you covered today.

Upgrading Your Auto Coverage

Add these coverages to your policy to upgrade your auto insurance.Upgrading Your Auto Coverage

If you are still relying on minimum auto insurance, then you do not have the necessary coverage to protect against all your risks. This is why you should take the opportunity to upgrade your policy. Here are some of the additional coverages you should consider adding to your policy.

Uninsured/Underinsured Motorist Insurance

Unfortunately, there is a large population of irresponsible drivers who do not carry adequate auto insurance. If you were to get into an accident with one of these drivers, you would likely have to cover your own repairs and medical fees, even if the other driver was at fault. The best way to protect against this risk is by adding uninsured/underinsured motorist coverage to your policy.

Comprehensive Insurance

While you might have coverage for the damages your car sustains during an accident, what happens if your car is damaged outside of a collision event? If you do not have the right coverage in place, you will be responsible for the damages caused by theft, vandalism, extreme weather events, and other perils. Luckily, adding comprehensive insurance to your policy will ensure that your car is protected against all the damages it might sustain.

Medical Payments Insurance

While liability insurance will cover another driver’s medical expenses after an accident, this type of insurance will not extend coverage for your medical treatment. This is why it’s so important to add medical payments insurance to your auto policy. This type of insurance will cover the medical fees that you and your passenger rack up following an accident—regardless of which driver was at fault.

These are some of the additional coverages you should consider adding to your auto policy.  Do you need assistance with finding the right car insurance to meet your needs?  Then contact the experts at Miller Carlisle Insurance Services.  We are ready to get you the coverage that you need today.

Easy Ways to Make Your Home Safer

Take these precautions around your home to improve its safety.Easy Ways to Make Your Home Safer

Everyone wants to make sure that their home is safe for their loved ones. Luckily, there are many easy and affordable ways to improve your home’s safety. Here are some of the precautions you can take around your home to make it safer for your family.

Prevent Slips in the Kitchen

When water puddles in front of your sink and fridge water dispenser, it significantly increases the risk of someone slipping and hurting him or herself. Luckily, addressing this risk is very easy. Simply placing a floor mat in front of your sink and fridge will catch falling water and prevent it from becoming a danger to your loved ones.

Inspect Your Stairs

If your home has stairs, this can pose a risk for your family. It’s incredibly important to make sure that your stairs are sturdy to prevent fall risks. This is why you should check your stairs for any sections of loose or rickety railing, and go in and reinforce these areas. Additionally, if your stairs are made of hardwood, tile, or another potentially slick material, consider covering them in carpeting to reduce the risk of falling.

Check Your Smoke Alarms and Carbon Monoxide Detectors

The best way to protect your family against the risk of fire and carbon monoxide poisoning is by making sure that your smoke alarms and carbon monoxide detectors are functioning properly. You should check both types of detectors annually and make sure that you replace their batteries during your inspection. Additionally, you should completely replace both types of detectors every 10 years to ensure that they have updated safety features.

These are some of the precautions you should take around your home to improve its safety.  Want another way to protect your home and everyone inside it?  Then make sure you have the right homeowners insurance coverages in place.  For assistance with your coverage, contact the experts at Miller Carlisle Insurance Services.  We are ready to get you covered today.

Add These Foods to Your Diet to Lower Your Blood Pressure

Eating these foods can help you lower your blood pressure.Add These Foods to Your Diet to Lower Your Blood Pressure

Did you know that May is National Stroke Awareness and National High Blood Pressure Education Month? In honor of this month, you should make a conscious effort to control your blood pressure. Want to take care of your health, but not sure where to start? Try incorporating these foods into your diet to help you lower your blood pressure naturally.

Leafy Greens

Leafy greens such as romaine lettuce, arugula, kale, turnip greens, collard greens, spinach, and so on are a great source of potassium. As potassium helps the kidneys eliminate sodium from the body, a diet rich in these types of veggies can help you reduce your blood pressure levels.

Berries

Berries, particularly blueberries, are rich in natural compounds called flavonoids. Research has linked the consumption of flavonoids to a reduction in blood pressure levels. Luckily, incorporating more blueberries, raspberries, and strawberries into your diet is a sweet way to help you stay healthy.

Beets

Beets are rich in nitric oxide, a compound that can help widen your blood vessels and lower your blood pressure. Additionally, research has shown that the nitrates found in beet juice helped reduce blood pressure in a span of just 24-hours.

Low-Fat Dairy

Low-fat dairy is an excellent source of calcium, which plays a significant role in the reduction of your blood pressure. Studies have shown that people who have diets rich with skim milk and low-fat yogurt experienced a 20% reduction in their risk for developing high blood pressure.

This May, work these foods into your diet to help you better manage your blood pressure.  Want another way to take care of your health this month?  Then make sure you have the proper health insurance to address all your needs.  To find the right policies for you, contact the experts at Miller Carlisle Insurance Services.  We are ready to assist you with all your coverage needs.

Do You Really Need Insurance for Your Rental Car?

Find out if you should buy insurance through the rental car company.Do You Really Need Insurance for Your Rental Car?

When you go to rent a car, the rental car company will likely ask if you would like to purchase insurance through them. While this additional coverage might seem like a smart idea, there’s a good chance that you do not actually need these coverages. This is because many people already have coverage through their existing auto policy. So, how do you decide whether you need rental car insurance? Read on to learn more about rental car insurance and find out what your personal auto policy already covers.

Rental Car Insurance

Rental car companies typically offer four different types of insurance options. They are:

  • Collision Damage Waiver – This type is insurance will ensure that the rental company will not hold you financially responsible if the car you have rented is damaged or stolen.
  • Supplemental Liability Protection – If you get into an accident, purchasing this type of insurance will ensure that you are covered for the damages and injuries you may have caused to another party.
  • Personal Accident Coverage – This type of coverage will cover your injuries or death, or the injuries or deaths of the passengers in your rental car.
  • Personal Effects Coverage – This type of coverage will reimburse you for any personal items that are stolen out of your rental car.

Coverage Through Your Existing Policy

It’s probable that your existing auto policy already offers some of the coverages that rental car companies have to offer. For instance, most standard auto policies have liability insurance that will extend to cover you even if you are operating a rental car. Some policies might even extend collision, comprehensive, and medical payments coverage to rentals. Keep in mind that coverage differs from policy to policy. This is why it’s important to contact your auto insurance provider and learn what you are covered for. If your existing policy is not offering you the coverage that you need, you should consider purchasing insurance through the car rental company.

Ultimately, whether or not you should buy insurance for your rental car depends on what your personal auto policy already covers.  Are you looking for the comprehensive auto insurance that you need?  Then don’t hesitate to contact us at Miller Carlisle Insurance Services.  We are ready to get you the coverage you need today.

Make Your Home More Eco-Friendly This Earth Day

Try out these easy suggestions to make your home more eco-friendly this Earth Day.Make Your Home More Eco-Friendly This Earth Day

Earth Day is April 22nd. In honor of this day, we should all make an effort to be more environmentally conscious. Want to go green, but just not sure where you should start? Try out these easy suggestions to make your home more eco-friendly.

Switch to LEDs

One easy way to make your household greener is by switching all of your light bulbs to LED bulbs. LEDs are a great option for the environment because they require 90% less electricity than standard light bulbs. Additionally, with an average lifespan of about 10 years, these bulbs have the added benefit of not needing to be replaced very frequently.

Boost Your Recycling Efforts

Another way to make your home more eco-friendly is by increasing your recycling efforts. While most Americans do a good job of recycling things like aluminium cans, plastic bottles, and paper products, there are many other household items that can be recycled. For instance, dead batteries, old electronics, broken appliances, old clothes, and even cooking grease can all be safely recycled.

Save Water

While our planet is mostly covered in water, only a small percentage of it is fresh water safe for human use. This is why we should all make an effort to conserve this precious resource. Luckily, there are many easy changes that we can make to save water. For instance, reducing the length of our showers, upgrading to water-efficient appliances, and adjusting our home’s sprinkler settings are all ways to use less water.

Make these easy changes to make your home more environmentally-friendly this Earth Day.  Are you looking for assistance with your insurance this month?  Then don’t hesitate to contact us at Miller Carlisle Insurance Services.  We are eager to assist you with all your insurance needs today.

Why Your Auto Insurance Rates Might Seem High

Find out why your car insurance seems so expensive.Why Your Auto Insurance Rates Might Seem High

Do your auto insurance rates seem to be on the higher side? If so, there are some legitimate reasons that explain why your premiums are so expensive. Curious to learn more about this price disparity? Here are some of the reasons why your car insurance might be more expensive than other drivers’.

  • You Set a Low Deductible

Your deductible is the amount of money that you agree to pay towards car repairs before your auto insurance kick in. For instance, if you set a deductible for $500 and get into a car accident, you would have to pay this $500 before getting access to your insurance coverage. It’s important to understand that your deductible and premium have an inverse relationship. This means that the lower your deductible is, the higher your premiums will be. If you want to reduce your auto insurance rates, consider raising your deductible.

  • You Drive a Specialty Vehicle

If you drive a high-performance or specialty vehicle, you should expect your insurance rates to be higher than drivers who own standard vehicles. This difference in premiums is because specialty vehicles often require special parts, special services, and have higher repair costs than regular cars. So, if you are the proud owner of a fancy sports car, you will also be on the hook for higher insurance costs.

  • You Have a Bad Driving Record

Finally, if you have a history of receiving traffic violations or filing insurance claims, you will be considered a reckless driver. Because you are riskier to insure, you will have higher insurance rates. If you want to get access to lower insurance premiums, focus your efforts on keeping your driving record clean. As time goes on, you should expect to see your insurance rates drop.

These are some of the reasons why your auto insurance seems so expensive.  Do you have other questions regarding your auto insurance?  Turn to the professionals at Miller Carlisle Insurance Services.  Our dedicated team is ready to assist you with all your insurance needs.  Contact us to get started today.

Figures that Matter to Your Home Insurance

Learn about some of the figures and values that affect your homeowners insurance.Figures that Matter to Your Home Insurance

As a homeowner, it’s important that you have the right insurance protections in place. However, with all the different policy types out there, it can be difficult to figure out which coverage options best fit your needs. Part of choosing the right insurance is understanding the various values that are relevant to your coverage. Here are two of the figures that are important to your homeowners insurance coverage.

Replacement Cost Value

This term refers to the amount of money it would take to rebuild your home if it was completely destroyed. This value takes into account the cost of labor, the cost of building materials, and the cost associated with bringing your home up to code. This value also represents the maximum amount of compensation that your insurance policy will offer for your home. This is why it’s incredibly important to correctly estimate your home’s replacement cost value. If you estimate this figure too low, you will be financially responsible for any claim that exceeds your policy limit.

Value of Your Personal Belongings

Most standard homeowners insurance policies offer coverage for damaged or stolen personal possessions. Generally, you should try to find a policy that will cover about half of the value of all your belongings. The best way to determine the value of your possessions is by completing a detailed home inventory that lists the replacement values of all of the possessions inside your home. Once you have a clearer understanding of how much your personal belongings are worth, you can determine if your homeowners insurance policy is offering you the coverage that you need.

These are two of the important figures that are relevant to your homeowners insurance.  Do you have further questions regarding your home insurance?  Direct them to the experts at Miller Carlisle Insurance Services.  Our highly-trained professionals are ready to assist you with all your coverage needs.  Contact us to get started today.

Using Smart Home Technology to Secure Your House

Here are some of the new smart technologies that can help you protect your home.Using Smart Home Technology to Secure Your House

New technologies have been revolutionizing the home security industry.  From smart home security systems to mobile applications that allow you to control your home remotely, homeowners have quite a few options at their disposal.  Here are some of the new technologies and how they can help you better protect your home.

Home Security Systems

New smart home security systems are a great way to protect against risks such as intruders and fire.  Not only will they set off an alarm when an unauthorized person attempts to enter your home, but they can also contact the authorities if an emergency situation arises.  Additionally, most of these new systems are equipped with surveillance capabilities that allow you to monitor your home even while you are away.

Doorbell Cameras

Another system that can help you take care of your home is a doorbell camera.  These are motion activated cameras that are placed near your doorbell.  These cameras allow you to screen who is at your front door before you answer it.  Additionally, because these cameras usually work in tandem with your smart phone, you can investigate any suspicious activity at your front door no matter where you are.

Mobile Applications

Finally, there are many new mobile applications that allow you to control your home’s various functions.  For instance, there are apps that allow you to lock your doors, turn on your lights, or even adjust your home’s temperature.  These apps can be used to employ emergency security actions (such as locking your door) and can even be used to give the impression that you are home even when you are away.  This will ensure that your home does not become an easy target for opportunistic criminals.

These are some of the smart technologies that will make it easier to protect your home.  Want another way to keep your home safe?  Make sure you have the proper home insurance protections in place.  To find the right policies to fit your needs, contact the team at Miller Carlisle Insurance Services.  Our highly-trained professionals are ready to get you the coverage you need today.

Common Insurance Terms Made Easy

Here are some of the most commonly used insurance terms defined for your benefit.Common Insurance Terms Made Easy

Trying to make sense of your insurance is hard enough without the added confusion of industry-specific jargon.  If you’ve struggled with unfamiliar insurance terms in the past, you are certainly not alone.  Here are the definitions to some of the most commonly used terms to help you out.

Additional Insured – Any person or party, aside from the policyholder, who is added to the policy so that they will receive coverage under the policy.

Claim – A request by the policyholder for insurance compensation.  For instance, if you got into a car accident, you would file a claim requesting your auto insurance to kick in.

Conditions – The portion(s) of an insurance policy that explains the responsibilities of the insured and the insurance provider.

Deductible – The amount the policyholder agrees to pay before insurance coverage kicks in for an insured loss.  For instance, if you assume a $500 deductible on your homeowners insurance and your home was damaged, you would have to pay this amount before your insurance coverage kicked in.

Endorsement – Also known as a “policy rider,” this is any change made to an existing policy that alters, deletes, or adds coverage.

Exclusion – A provision in a policy that excludes or limits certain coverages.

Named Insured – The person or entity specifically covered by an insurance policy.  This person is also referred to as the policyholder.

Named Perils – Also known as specified perils, these are covered hazards that are specifically listed in an insurance policy.

Premium – The amount of money an insurance provider charges in exchange for providing coverage.

Use these definitions to make your insurance easier to understand.  Do you still have questions regarding your coverage?  Don’t hesitate to turn to us at Miller Carlisle Insurance Services.  Our highly-trained team is ready to assist you with all your insurance needs.  Contact us to get started today.