Bush Thompson Insurance | Powered by Beck Partners
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Factors Driving a Hard Insurance Market and How to Respond

From an insurance buyer’s perspective, it can sometimes feel as if premium prices change on a whim. But the truth is that the insurance market is cyclical in nature, fluctuating between soft and hard markets: Soft markets—A soft market, which is sometimes called a buyer’s market, is characterized by stable premiums, broader terms of coverage, […]

Palm trees in the wind
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Filing an Insurance Claim After a Hurricane

Here’s what you can do as you navigate the claims process following Hurricane Sally.

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Hurricane Preparedness for Businesses

Hurricanes generate a series of threats to lives and property. The most obvious is the threat posed to buildings, equipment, and people by the high winds which characterize such storms.

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What protection does Renters Insurance provide?

Just because your landlord has coverage doesn’t mean that you do, too. In most cases, your landlord’s insurance policy covers only structural damage to the building itself. If the structure goes up in flames, your landlord’s coverage would include repairs to the building, but not reimburse you for your possessions. Renters insurance provides protection against […]

How to plan for your the future of your business

Ask yourself, if you retired, died or became disabled yesterday, who would own and manage your business today? Would you want your business interest retained for a family member, sold or liquidated? A funded exit strategy can help you get the most value from your business when you leave the company.  Whether you hope to retain […]

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What Type of Insurance do Drivers Need for Ride-Share Services?

Ever since the first ride-sharing app debuted in 2011, they’ve experienced exponential growth in usage. In fact, in the cities where such apps have joined the market, taxi ridership has declined anywhere from 10 to 30 percent. However, while the popularity of ride-sharing and food delivery apps is increasing, so is the host of risks […]

Protecting you and your family before, during and after a hurricane

Hurricanes are capable of producing winds in excess of 155 miles per hour and causing catastrophic damage to coastlines and several hundred miles inland. Additionally, hurricanes can also lead to storm surges along the coast and cause extensive damage from heavy rainfall. All Atlantic and Gulf of Mexico coastal areas are subject to hurricanes. Parts […]

Personal Automobiles for Business Use

According to the U.S. Census Bureau, there are more than 240 million registered motor vehicles in the United States, and an estimated one-fourth of those are used for business in some way. If you have employees who use personal vehicles for business use, you could be exposing your business to a significant liability risk. Even […]

Key Differences Between Replacement Cost and Actual Cash Value

Your homeowners insurance policy can offer financial protection in the event of an unexpected disaster involving your home or personal property. But how you will be reimbursed following a claim depends on the type of coverage you have. There are two main valuation methods when it comes to homeowners insurance—replacement cost coverage and actual cash […]