CGM Insurance Agency
Explore our articles on business insurance, personal coverage, and the questions that come with protecting what matters.
89 articles
October 4, 2026
Every October, the Cybersecurity and Infrastructure Security Agency (CISA) leads Cybersecurity Awareness Month, a nationwide effort to help individual...
Read article: Cybersecurity Awareness Month: Does Your Business Need Cyber Liability Insurance?October 2, 2026
Every October, the National Fire Protection Association observes Fire Prevention Week, which falls on October 4-10 in 2026. The observance began over...
Read article: Fire Prevention Week: Home Safety Steps and What Your Homeowners Insurance CoversSeptember 19, 2026
Working for Yourself Comes With Its Own Insurance Needs More people than ever are working as independent contractors, consultants, or freelancers, whe...
Read article: Insurance Considerations for Independent Contractors and FreelancersSeptember 16, 2026
September Is a Popular Month for New Leases Many apartment leases and off-campus housing arrangements begin in September, as students head to college...
Read article: Renters Insurance 101: What First-Time Renters Should Know Before Signing a LeaseSeptember 4, 2026
National Preparedness Month Is a Reminder for Business Owners, Too Every September, FEMA’s National Preparedness Month encourages individuals an...
Read article: Disaster Preparedness for Small Businesses: Why a Continuity Plan MattersSeptember 2, 2026
September means school buses, morning carpool lines, and for many families, a new teen driver on the road. Whether your teenager is driving themselves...
Read article: Back-to-School Driving: Insurance Tips for Teen and Student DriversSeptember 1, 2026
Honoring Latino History Month Beginning in mid-September, Latino History Month, also observed as National Hispanic Heritage Month, recognizes the hist...
Read article: Recognizing Latino History Month: The Value of Insurance Education in Every CommunityAugust 19, 2026
Most business owners think about insurance in terms of protecting physical assets—the building, the equipment, the inventory. But what about the incom...
Read article: Business Interruption Insurance: What Happens When Your Business Has to Close Temporarily?August 16, 2026
Summer is peak season for recreational vehicles. Whether you’re out on the water with a boat, exploring the country in an RV, or hitting a trail...
Read article: Boat, RV, and ATV Insurance: What Recreational Vehicle Owners Need to KnowAugust 4, 2026
If you own a small business, you’ve likely heard that general liability insurance is something you should have. But what exactly does it cover,...
Read article: General Liability Insurance 101: A Foundation for Every Small BusinessAugust 1, 2026
Every August, millions of families prepare for back-to-school, and for households with a newly licensed teen, that checklist includes an important que...
Read article: Back-to-School Season: Does Your Auto Insurance Cover a Teen Driver?July 19, 2026
Whether your business relies on a single work truck or a fleet of delivery vans, the vehicles you use for business purposes likely need more than a st...
Read article: Commercial Auto Insurance: What Business Owners Should Know About Covering Company VehiclesJuly 16, 2026
If you rent your home, apartment, or condo, you may assume that your landlord’s insurance policy protects your belongings. Unfortunately, that...
Read article: Renters Insurance: The Affordable Coverage Most Renters Don't Know They're MissingJuly 4, 2026
When most people think of cyberattacks, they picture large corporations making headline news after a major data breach. But the reality is that small...
Read article: Cyber Liability Insurance: Does Your Small Business Really Need It?July 1, 2026
Rideshare driving has become a popular way for millions of Americans to earn extra income. Whether you drive for a transportation network company full...
Read article: Does Your Auto Insurance Cover Rideshare Driving? What You Need to KnowJune 19, 2026
On June 19, 1865, enslaved people in Galveston, Texas, learned they were free — more than two years after the Emancipation Proclamation. This day, kno...
Read article: Juneteenth: Honoring History and Building Financial Security for Every CommunityJune 18, 2026
If you own a small or medium-sized business, you’ve probably heard the term “Business Owner’s Policy” or BOP. It’s one o...
Read article: What Is a Business Owner's Policy (BOP) and Is It Right for Your Business?June 16, 2026
School is out, the days are longer, and millions of Americans are gearing up for summer road trips. Before you load up the car and point it toward the...
Read article: Summer Road Trips and Your Auto Insurance: What Every Driver Should KnowJune 4, 2026
For many businesses, summer is the busiest and most profitable time of year. From restaurants and retail shops to contractors and event venues, the wa...
Read article: Protecting Your Business This Summer: Why Seasonal Risks Deserve a Coverage ReviewJune 2, 2026
June is National Homeownership Month — a great time to celebrate the pride of owning a home and to make sure that home is well-protected. Whether you...
Read article: National Homeownership Month: How to Make Sure Your Home Insurance Keeps UpMay 19, 2026
Many businesses carry insurance but still face coverage gaps when a claim arises. That usually does not mean the business had no insurance at all. It...
Read article: 5 Common Business Insurance GapsMay 16, 2026
Telematics is technology that tracks driving behavior via a mobile app, a plug-in device, or a built-in vehicle system. Insurance companies may use th...
Read article: 4 Ways Telematics Can Impact Car InsuranceMay 4, 2026
Professional liability insurance is designed for businesses that give advice, provide services, create plans, or make recommendations that clients rel...
Read article: Who Needs Professional Liability Insurance the Most?May 2, 2026
Part of providing for your family is literally “putting a roof over their heads.” Your home’s roof protects your family and property from damage. The...
Read article: Does Your Roof Affect Homeowners’ Insurance Rates?April 19, 2026
Many people view spring as a natural reset point for various industries as the weather warms and customer demand begins to increase. For business owne...
Read article: Why Spring Is a Good Time to Renew Your Business InsuranceApril 16, 2026
The arrival of spring brings a welcome change in weather, but it also ushers in a unique variety of challenges for homeowners and drivers alike. This...
Read article: Spring Insurance: 5 Tips for Seasonal RisksApril 4, 2026
Landscaping businesses deal with unique challenges due to the industry’s seasonal nature and the physically demanding work crews perform every day. Yo...
Read article: Insurance Tips for Your Landscaping BusinessApril 1, 2026
National Lawn and Garden Month is a perfect reminder to enhance the beauty of your property via thoughtful landscaping. While a lush green lawn and co...
Read article: How Landscaping Can Impact Your Homeowners' InsuranceMarch 19, 2026
Spring demand rapidly ramps up your overall delivery exposure by increasing miles driven, tightening delivery schedules, and requiring more active dri...
Read article: Commercial Auto Insurance Tips for Spring Delivery FleetsMarch 16, 2026
Spring maintenance keeps your property in good condition and helps you get better insurance rates. Evaluating your home exterior after winter is a cri...
Read article: Home & Auto Spring Maintenance ChecklistMarch 4, 2026
Your upcoming policy renewal constitutes a crucial business risk checkup rather than just another administrative bill to pay. As your company grows an...
Read article: Key Questions for Your Business Insurance RenewalMarch 2, 2026
Spring break travel often involves cross-country road trips, beach days, and struggling through crowded airport terminals. Many travelers focus solely...
Read article: Spring Break Insurance TipsMarch 1, 2026
Women’s History Month provides a key opportunity for organizations to evaluate whether their corporate culture and support systems align with th...
Read article: Honoring Women's History MonthFebruary 16, 2026
While a typical homeowners insurance policy offers a reliable starting point, it’s important to remember that “standard” only goes so far. Since every...
Read article: Why a Basic Home Insurance Policy Isn’t Always EnoughFebruary 2, 2026
Ice dams form when snow on a roof melts, runs down to colder eaves, and refreezes into a ridge that blocks drainage. Over repeated melt-freeze cycles,...
Read article: A Homeowner’s Guide to Dealing with Ice DamsFebruary 1, 2026
Black History Month has deep roots in education, community organizing, and a push to correct what was missing from mainstream history teaching. The ob...
Read article: Black History Month: A Look Back & A Step ForwardJanuary 19, 2026
Is Your Company Really Protected? A new year is the perfect time for businesses to run a quick “audit” of their insurance program. Over the past twelv...
Read article: New Year Business Insurance ChecklistJanuary 16, 2026
What Your Friend on Social Media Got Wrong! We all know someone who thinks they’ve gained vast knowledge on a subject after merely seeing a shor...
Read article: Common Insurance Myths DebunkedJanuary 4, 2026
What Every Business Owner Should Know Modern businesses are always on the move. Delivery vans drop off products, service trucks head to job sites, and...
Read article: The Ins and Outs of Commercial Auto InsuranceJanuary 1, 2026
A new calendar year is a natural reset. Over the past 12 months, you may have moved, bought a car, started a home-based business, gotten married, or w...
Read article: Your New Year’s Insurance ChecklistDecember 19, 2025
General liability (GL) addresses bodily injury, property damage, and specific personal or advertising injuries arising from your premises, operations,...
Read article: What’s the Difference Between General and Professional Liability Insurance?December 16, 2025
Plan Your Route Like a Pro: Weather, Detours, and “Plan B” Check official state DOT and highway apps for live road conditions, closures, and chain con...
Read article: How to Prepare for a Winter Road TripDecember 4, 2025
The Need for Revenue Doesn’t Pause When You Can’t Do Business Business interruption (BI) insurance replaces lost income when a covered peril forces yo...
Read article: 4 Reasons to Purchase Business Interruption InsuranceDecember 2, 2025
Drafts, Doors, and Dollars To winterize your home, start with the biggest leaks, such as attic hatches, exterior doors, baseboards, and windows. Add a...
Read article: A Guide to Winterizing Your HomeNovember 19, 2025
As your business evolves over time, so should your insurance protection. Staying proactive with insurance coverage can mean the difference between a m...
Read article: Your Business Insurance Policy ChecklistNovember 16, 2025
Home insurance offers peace of mind in case of unexpected damage or loss, but that protection only applies if your claim is approved. Many homeowners...
Read article: Preventing a Home Insurance Claim from Getting DeniedNovember 4, 2025
For most retailers, the holiday season is the busiest and most profitable time of year. With higher customer traffic and increased online sales come g...
Read article: 5 Holiday Retail Risks to AvoidNovember 2, 2025
Every year, millions of Americans take to the road for the Thanksgiving holiday, traveling to spend time with their family and friends. Along with the...
Read article: Driving Safety Tips for Holiday TravelNovember 1, 2025
Native American Heritage Month in November provides an opportunity to reflect on the rich history, culture, and contributions of Native Americans, Ala...
Read article: Honoring Native American Heritage MonthOctober 19, 2025
When a fire, storm, or other unexpected event forces a business to shut down temporarily, the financial toll can be disastrous. This is where business...
Read article: Don’t Let a Disaster Halt Your Business: The Power of Business Interruption InsuranceOctober 16, 2025
When fall is in the air, it is the perfect reminder that winter is just around the corner. Preparing your home now for colder weather can help you avo...
Read article: Fall Home Checklist: Protecting Your Property Before Winter HitsOctober 4, 2025
A fire can be devastating for a small business. It can destroy property, interrupt operations, and put lives at risk. Although you may not be able to...
Read article: Protecting Your Business from the Unexpected: Fire Prevention Tips for Small BusinessesOctober 2, 2025
National Fire Safety Week serves as a reminder each October to re-evaluate our preparedness for house fires. While many families install smoke detecto...
Read article: National Fire Safety Week: Is Your Household Prepared for Evacuation?September 19, 2025
The holiday season isn’t just busy for retailers; it’s also prime time for cybercriminals. With the rise of online shopping, increased email traffic,...
Read article: Secure for the Holidays: A Cybersecurity Refresh for Increased Online ActivitySeptember 16, 2025
As students head back to college campuses and dorm rooms fill with laptops, textbooks, and tech gear, one essential protection can be overlooked: rent...
Read article: Renters’ Insurance and Back to School: Protecting Student BelongingsSeptember 4, 2025
Natural disasters can strike without warning: floods, hurricanes, wildfires, earthquakes, and winter storms are all part of doing business in our unpr...
Read article: Weathering the Storm: How Businesses Can Prepare for Natural DisastersSeptember 2, 2025
For many families in Georgia, the back-to-school season marks a time when teens get behind the wheel for the first time. Whether your teen is getting...
Read article: Back to School, Back on the Road: Auto Insurance Tips for Teen DriversSeptember 1, 2025
Every year, Hispanic Heritage Month offers an opportunity to celebrate Latino culture, history, and community. But beyond the music, food, and festivi...
Read article: Beyond Culture: The Economic Power of Hispanic Heritage in the U.S.August 19, 2025
Employment Practices Liability Insurance, commonly called EPLI, is a crucial business insurance that safeguards companies against employee claims alle...
Read article: What is Employment Practices Liability Insurance (EPLI)?August 14, 2025
Your home is more than just a place to live. It’s your most valuable asset and the center of your everyday life. Homeowners insurance is designed to p...
Read article: Home Sweet Home: Insuring Your Property and BelongingsAugust 4, 2025
When purchasing business insurance, many policyholders focus on what is covered. But just as important is understanding what is not. These uncovered s...
Read article: Exclusions in Business Insurance Policies: What’s Not Covered?August 1, 2025
Insurance is vital to protecting the value of your home, car, and other personal assets. That doesn’t mean that the premiums should break the bank! Wh...
Read article: Managing Premiums: Tips for Getting Lower Personal Insurance RatesJuly 19, 2025
Running a business from the comfort of your home is incredibly convenient, but it also raises questions about insurance coverage. While homeowners...
Read article: Will My Homeowners Insurance Cover My Home Business?July 16, 2025
There is nothing like the scent of burgers sizzling on the grill or the flavors of perfectly charred vegetables during the warm summer months. While g...
Read article: Summer Grilling Safety TipsJuly 1, 2025
Owning an RV gives you the freedom to explore. You can wake up with mountain views one day and enjoy ocean breezes the next. However, with freedom com...
Read article: A Guide to RV InsuranceJune 19, 2025
Choosing the right business insurance is one of the most critical steps in protecting your company from losses. But with so many coverage options avai...
Read article: 6 Questions to Ask Your Business Insurance AgentJune 16, 2025
June is National Pet Preparedness Month, the perfect time to plan for your pet’s safety when planning a summer trip. Whether you’re planning a road tr...
Read article: A Guide to Pet Safety When on VacationJune 4, 2025
Contractors work in high-risk environments where accidents, property damage, or unexpected delays can disrupt business operations at any time. Whether...
Read article: The Ins and Outs of Contractor InsuranceJune 4, 2025
Understanding business insurance is crucial to protect your company from unexpected risks. As a business owner, you may have questions about how busin...
Read article: Top 5 Frequently Asked Questions About Business InsuranceJune 2, 2025
June has arrived! This month is National Homeowners’ Month and National Safety Month. We celebrate both special recognitions by considering how homeow...
Read article: 5 Most Common Insurance Claims and How to Avoid ThemJune 1, 2025
Juneteenth is more than a holiday—it’s a powerful reminder of resilience, progress, and the enduring quest for equality. Celebrated on June 19, this d...
Read article: Juneteenth: Understanding the Past to Pave a Better FutureMay 19, 2025
Building a business involves making countless vital decisions, including hiring the right team, buying the right software, and finding a suitable spac...
Read article: 5 Things Business Owners Should Know About Insurance Limits and DeductiblesMay 16, 2025
Shopping for insurance can be a confusing, even overwhelming process, with policies loaded with obscure legal terms. Although exploring new options or...
Read article: Should I Switch to an Independent Insurance Agent?May 4, 2025
We typically don’t give much thought to insurance until something goes wrong. Having suitable coverage in a business can play a key role in safeguardi...
Read article: Your Business Insurance Inventory ChecklistMay 2, 2025
For boat owners, the arrival of spring is the time to shed the winter coats and your landlocked routine for life vests and the freedom of the open wat...
Read article: Ultimate Spring Checklist for Boat OwnersMay 1, 2025
May brings a deep sense of pride and reflection as it marks Asian American Pacific Islander (AAPI) Heritage Month. For a diverse community rich in his...
Read article: Asian American Pacific Islander Heritage Month: Understanding the History and Honoring the PresentApril 19, 2025
Managing a small business comes with endless challenges—and great rewards. One of the main issues is keeping your overhead as low as possible. The cos...
Read article: When Should Small Business Owners Switch Insurance Companies?April 16, 2025
This April is the 22nd anniversary of Financial Literacy Month, a time that inspires us to secure our future with sound financial planning, budgeting,...
Read article: The Hidden Costs of Skipping InsuranceApril 4, 2025
It’s tax season once again! As a business owner, you are likely looking for ways to maximize deductions and reduce taxable income. Fortunately, severa...
Read article: 3 Business Insurance Expenses to Write Off on Your TaxesApril 1, 2025
Planning a home remodel? April is National Rebuilding Month, after all. Whether adding space, upgrading features, or increasing functionality, your re...
Read article: 5 Insurance Considerations for Your Home RemodelMarch 19, 2025
Many small business owners choose to operate as limited liability companies (LLCs) for the liability protection they offer. While registering as an LL...
Read article: A Guide to LLC Insurance for Small BusinessesMarch 16, 2025
Like homeowners and renters, condo owners need insurance coverage to protect them from financial loss caused by perils such as fire, theft, and lawsui...
Read article: The Difference Between Condo Insurance & Home InsuranceMarch 4, 2025
Running a restaurant is a complex task that requires managing staff, pleasing customers, and marketing to keep customers coming in. Amid the daily hus...
Read article: 5 Essential Compliance Tips for Restaurant OwnersMarch 2, 2025
March is National Credit Education Month—and many of us could use some help. When we think about credit scores, most of us are aware that our credit s...
Read article: How Does My Credit Score Affect My Insurance Rates?March 1, 2025
March has long been dedicated to honoring and celebrating the contributions of women throughout history. Women’s History Month recognizes the remarkab...
Read article: Women’s History Month: Honoring the Past, Empowering the FutureFebruary 19, 2025
Small business insurance can help independent business owners better cope with the challenges and risks inherent in their work. Several types of small...
Read article: Your Guide to Purchasing Small Business InsuranceFebruary 16, 2025
National Home Warranty Day was last week, so it’s an ideal time to take steps to protect your home from excessive wear and tear with a home warranty....
Read article: Your Winter Electrical Safety ChecklistFebruary 4, 2025
A loss control program is a coordinated set of actions or practices that help locate and address potential risks for a business. The program could eva...
Read article: What is a Loss Control Program, And Do I Need One?February 2, 2025
Yesterday was Car Insurance Day. The first day of February serves as a yearly reminder of the comfort brought by our services. As we face the last sev...
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