The Butler Blog

An insurance buyer should ask  five questions before they purchase any insurance policy. These five questions apply to both business and personal insurance purchases. These five questions can save you a lot of time, money and aggravation. Here are the five questions to ask yourself: 

Work place discrimination lawsuits hit a record high in 2011. This was predicted in our 2010 whitepaper on Employment Practices. According to the Equal Employment Opportunity Commission (EEOC) 99,947 charges were filed in 2011. That is the largest number of charges filed in the 46 year history of the EEOC.

The short answer is “probably”.  The insurance companies we represent tell us that our clients buy more personal umbrellas than do the clients of most other insurance agencies. Why?  Because:

Surety solutions for small contractors are difficult according Robert Duke. Duke is the Director of Underwriting and Counsel for the Surety and Fidelity Association of America.  In a recent article in American Agent and Broker Magazine, A Tough Time for Small Contractors, Duke answers questions about bonding and the small contractor.

So you have been involved in a car accident and turned in your claim. What can you do to make the claim process run smoothly? Today I’m sharing  tips to help you get speedy auto repairs and a fair insurance settlement if you have an auto claim. These tips are the result of questions received from our customers. I hope you find them helpful.

The Tennessee Workers Compensation insurance big lie count down goes like this:

Require all contractors and subcontractors to carry Workers Compensation insurance. Buying Workers Compensation and then allowing your subcontractors not to carry the coverage can lead to problems and extra expense. It is better to keep it simple. 

As the economy begins to recover, commercial construction is picking up. So if you are a commercial trade contractor or general contractor, bonding the job can be the key to getting the work. It is important to be properly insured and bonded. But no matter how well you are insured, if you can’t provide the bid bond, and the final performance bond and payment bond you will not get the job.

Would you like to help cyclist, joggers, and motorists? Cycling and Jogging is dangerous! I remember when I first started cycling. The first thing I learned is that road bikes are expensive. Secondly, that those little seats hurt. Most importantly, I learned that being hit by a car or run off the road is not an infrequent occurrence. I have been run off the road twice and nearly hit two vehicles that failed to yield the right-of-way and pulled in front of me. I can count on a “close call” on every ride.

Supreme Court Justice Scalia recently asked, “You don’t really expect us to read these 2,700 pages, do you?”