A Knight Insurance Group client recently received a phone call from someone claiming to be with the fraud department of her credit union. The caller said her personal information had been compromised and that the credit union was cooperating with federal authorities in an investigation involving criminal activity at one of its branches. To "protect" her identity and safeguard her money, she was instructed to transfer $25,000 to a newly created account at a well-known national

Cyberattacks are no longer a question of “if” but “when.” From ransomware to data breaches, organizations of all sizes face growing threats that can disrupt operations, damage reputations, and lead to significant financial losses. While cyber insurance plays a critical role in mitigating these risks, having a strong incident response plan (IRP) is equally essential. Together, they form a powerful defense strategy that protects businesses during their most vulnerable moments.

Accidents happen, and sometimes the other driver involved may not have insurance. In these situations, Uninsured Motorist (UM) Coverage can be a crucial part of your auto insurance policy, protecting you from financial loss when the at-fault driver can’t pay. What is Uninsured Motorist Coverage? UM coverage helps pay for your medical bills, property damage, and other related expenses if you’re hit by a driver who has no insurance. It can also protect you in hit-and-run cases

Starting or growing a business comes with a long list of challenges—access to financing, building a customer base, and earning the trust of partners and clients. For small and emerging businesses, surety bonds can play a crucial role in establishing credibility and opening doors to new opportunities. A surety bond is essentially a financial guarantee that a business will meet its obligations. In many industries, particularly construction, government contracting, and service-b

Maintaining the grounds around your business property is more than just keeping up appearances—it’s a key part of ensuring safety, reducing liability, and protecting your insurance coverage. Why Grounds Maintenance Is Important Proper upkeep of landscaping, walkways, parking lots, and outdoor lighting helps prevent accidents like slips, trips, and falls, which are common causes of injury claims. Overgrown trees or damaged fencing can also pose risks to employees, customers, a

Life insurance often takes a back seat in retirement planning discussions, but it can play a crucial role in securing your financial future and protecting your loved ones. It is important to start planning for retirement early so that you will have enough for your future. One common goal is to have enough income to maintain the desired lifestyle and maintain financial solvency during retirement. Life insurance ensures that your spouse won’t be stuck with a mortgage, if someth

Swimming pools and trampolines can make a backyard more enjoyable, especially for families. However, they also come with increased risks — and serious liability concerns that homeowners need to understand. Both pools and trampolines are considered "attractive nuisances" by insurers. This means they can attract children — even trespassers — and pose a high risk of injury. As a homeowner, you can be held legally liable if someone is injured using them, regardless of whether th

Insurance pricing can feel like a mystery. Two people with similar homes or cars can pay very different premiums. So how does it actually work? Behind the scenes, insurance companies use data, risk models, and years of claims history to calculate what you’ll pay. While the formulas are complex, the core idea is simple: how likely are you to file a claim, and how much would that claim cost? The Two Key Factors: Risk and Cost Every premium starts with two basic questions: What

For many small business owners, cybersecurity once felt like a “big company” issue. But today, no business is too small to be targeted by hackers. In fact, small businesses are often prime targets because they may lack robust security systems. A single cyberattack can bring devastating financial and reputational consequences—making cyber insurance no longer optional, but essential. The Growing Threat Cybercriminals are constantly evolving their tactics. Common risks include

Spring weather can be unpredictable, and in many parts of the country, that means a sharp increase in wind and hail activity. For owners of high-value homes, these storms can cause more than just seasonal inconvenience. They can expose weaknesses in both the structure and the insurance policy protecting it. We see it every year: high-end properties impacted by spring storms in ways that standard coverage doesn't always address. A custom metal roof dented by hail. Imported st

We’re proud to appear on the cover of the March issue of Rough Notes magazine. The feature explores our mission to be the agency of choice for our clients, carriers, employees, and community, along with the role employee ownership plays in shaping our future. It also reflects our long-term focus on perpetuating the agency and the culture that drives it forward. Read the full article below. Originally published by Rough Notes. Ohio Firm Aims To Be Agency Of Choice For Range

When contractors pursue bonded projects, they often focus on the surety bond itself—whether it’s a performance bond, payment bond, or bid bond. Yet, a critical piece of the puzzle is the indemnity agreement that is part of the bond. Understanding how indemnity agreements work is essential for contractors, business owners, and even their families, as these agreements outline financial responsibilities if claims arise. What is an Indemnity Agreement? An indemnity agreement is

Mold is more than just an eyesore — it can pose serious health risks and lead to costly property damage if left unchecked. One of the most common causes of mold growth is moisture intrusion, which can result from leaky roofs, poor ventilation, plumbing issues, or even storm damage. Because mold often develops slowly, insurance coverage for mold damage can be tricky . In many standard homeowners insurance policies, mold remediation is only covered if it resulted because of

Life insurance provides financial protection to individuals and families in the event of a death. When you have pre-existing conditions, securing life insurance can be more complicated, but it may still be possible. Insurers consider the specific pre-existing condition, its severity, how well it's managed, and your overall health. Full transparency is key when applying for life insurance. Disclose all pre-existing conditions and provide accurate medical records. Failure to

When you hire a new driver, you’re not just trusting them with your equipment and freight. Every new driver affects your insurance rates and risk profile. Whether you're a single-unit owner-operator or managing a growing fleet, your insurance company will look closely at every driver behind the wheel. Driving History Matters Insurance carriers review each driver’s Motor Vehicle Report (MVR) to assess the exposure. Accidents, speeding tickets, DUIs, and other violations are

The rise of remote and hybrid work models has transformed the way businesses operate—and how risks should be managed through insurance. Traditional business insurance policies were often designed around a centralized office, but with employees splitting time between home and the workplace, it’s important to reassess your coverage to ensure it reflects these new work environments. Here are the key insurance considerations to review as your business embraces remote or hybrid w

In today’s competitive construction landscape, having excavation insurance isn’t just about protecting your business--it’s about positioning for growth. As we move into 2026, more general contractors and project owners are tightening their insurance requirements. If your excavation company wants to win larger, higher-value contracts, your insurance program can either open doors or close them. 1. Meet or Exceed Certificate Requirements Larger projects often demand higher gene

When temperatures drop, the risks to luxury properties rise. From frozen pipes to roof collapses, winter weather can cause extensive and expensive damage to high-end homes. For homeowners with valuable real estate and assets, taking preventive steps and ensuring proper insurance coverage is critical during the coldest months of the year. Know Your Risks Winter damage often starts subtly--a small draft, a slow drip--but it can quickly escalate. Frozen pipes can burst, causin

A winter accident kit isn’t just a nice extra to keep in your vehicle—it’s a practical layer of protection when cold weather turns a minor inconvenience into a dangerous situation. Snow, ice, and freezing temperatures can leave drivers stranded for hours, and having the right supplies on hand can make the difference between discomfort and real risk. A well‑prepared kit ensures you can stay warm, visible, and safe while waiting for help. A strong winter accident kit starts wi

Employee benefits are one of the most valuable tools a company has to attract and retain top talent. Health insurance, retirement plans, and wellness programs play a major role in shaping employee satisfaction and overall workplace culture. But not all benefits providers deliver the level of service and value your organization's needs. If your current provider isn’t meeting expectations, it may be time to consider making a change. Here are some red flags that signal it may be