Did you know?

1 in 4 of today’s 20-year-olds will become disabled before reaching retirement age (U.S. Social Security Administration).

There’s nothing quite like a day on the water — the sun on your face, the breeze in your hair, and the peaceful sound of waves beneath your boat. But even the most seasoned captains know that safety comes first. Whether you’re taking your boat out for a weekend getaway or a quick spin around the bay, making safety your top priority ensures that the only surprises you encounter are beautiful sunsets and maybe a dolphin sighting or two.Here are must-know boat safety tips that every captain (and crew) should keep in mind before setting sail:

When disaster strikes, the last thing anyone wants is to realize too late that the insurance payout falls short of what’s needed to rebuild. That’s why understanding True Replacement Cost should be a priority. It’s not just a term buried in your policy—it’s the key to ensuring full protection when it matters most.

Life is unpredictable. It’s full of twists and turns, joys and challenges. But amidst all the uncertainty, there’s one thing you can control: how you protect the people you love most. That’s where life insurance comes in. It’s not just a policy—it’s a promise. A promise that your family will be cared for, no matter what.

As we celebrate National Small Business Week, it’s the perfect time to recognize the incredible hard work, dedication, and innovation of entrepreneurs across the country. Small businesses are the heart of our communities—and at the core of many families’ dreams.

But every dream needs protection. Whether you’re a new startup or a long-standing local shop, smart risk management is key to building a business that lasts.

Here are some practical, no-nonsense tips to help you reduce risk and protect your livelihood: