Innovators Insurance Group

What a great weekend at the Charlestown Founder's Day Parade! 🎉

It was awesome to see so many familiar faces out celebrating our community and enjoying a day together. Events like these are a reminder of why we love being local and why we're proud to serve the people and businesses that make our community such a special place.

We also had a blast participating in the parade and were honored to take home 1st Place in the Float Decorating Contest! A huge thank you to everyone who helped make it happen and to the organizers who put together another fantastic event.

We're grateful to be part of such an amazing community and look forward to many more years of celebrating together!

⛳️ FATHER'S DAY GIVEAWAY WINNER ANNOUNCEMENT! ⛳️

Congratulations to our winner, Peyton Bradshaw! 🎉

As we head into Father's Day weekend, we want to extend our heartfelt appreciation to all fathers, grandfathers, stepfathers, husbands, mentors, and father figures who work hard every day to support, guide, and love their families. Your impact does not go unnoticed.

Whether you're enjoying a round of golf, grilling, spending time outdoors, or simply enjoying time with loved ones, please stay safe and have a wonderful weekend!

Happy Father's Day from all of us at Innovators Insurance! 💡

⛳️ FATHER'S DAY GIVEAWAY! ⛳️

Father's Day is right around the corner, and we want to celebrate the dads who make a difference every day.

Whether it's your dad, grandpa, husband, brother, or another father figure, we want to hear about the amazing dads in our community!

To enter:
👍 Like this post
💬 Comment below and tag a deserving dad (or several!)

We'll randomly select one winner on Friday, June 19th!

Thank you to all the fathers and father figures who lead, support, teach, encourage, and love their families well. We appreciate everything you do.

Ready? Start tagging those awesome dads! 👇

A quick question for business owners:

If one of your employees jumps in their own vehicle to run to a job site, meet a client, or make a bank run and causes a serious accident on the way...

Would your business be protected?

Most owners assume the employee's auto insurance handles it and that's the end of the story. Unfortunately, that's not always how it plays out.

We've seen situations where an employee's personal policy limits weren't enough, and the business became part of the lawsuit.

That's why one of the first things we review with business owners is whether they have Hired & Non-Owned Auto Liability coverage in place. It's a simple coverage that can help protect your business when employees use vehicles you don't own for business purposes.

A few things worth checking:

✅ Do you have Hired & Non-Owned Auto Liability on your policy?

✅ Are employees who drive for business properly accounted for?

✅ Do you have a written vehicle-use policy clarifying when employees may use personal vehicles for business

If your team ever runs errands, travels between job sites, visits customers, or uses personal vehicles for work, this is a conversation worth having.

A 10-minute policy review today could help you avoid a major surprise later.

Life insurance is one of the few financial decisions families make and then almost never look at again. It sits in a drawer. The kids grow up. The mortgage changes. A job changes. A marriage starts or ends. Beneficiaries shift. And the policy stays exactly the same.

If there is anyone in your life who depends on you financially, three questions are worth asking right now, not someday:

1. Is the amount still right?

A lot of families bought a policy when the kids were in diapers and a 30-year mortgage was brand new. Today, the kids are older, the financial picture has changed, the income to replace is higher (or lower), and the time horizon has shifted. The right amount today is almost never the same as it was 10 years ago.

2. Is the type still right?

Term, whole life, universal life, each has a job. Term covers a specific window of risk (your working years, the mortgage, the kids' dependent years). Permanent coverage has a different role. The mix that made sense at 32 is rarely the mix that makes sense at 47.

3. Are the beneficiaries actually right?

This is the one we see clients fix most often during a review. An ex-spouse still listed as primary beneficiary. A parent named when the kids weren't born yet. A trust that no longer exists. The beneficiary form, NOT the will, controls who actually gets the proceeds.

A life insurance review doesn't take long. It's a 20-minute conversation that often produces meaningful changes. If you can't remember the last time anyone walked through your policy with you, that's the sign.

Not just insured. Truly protected.

Today we’re celebrating Mandy and her second year with our office! 💛 🖤

Mandy is one of those rare people who brings both heart and structure to everything she does. She’s thoughtful, dependable, and always willing to jump in and help when needed!

We are so thankful for these last two years with her and even more grateful for the person she is. Thank you Mandy for all the joy you bring to our team ✨

☀️ School’s out for summer! ☀️

Today marks the first day of summer break for Clark County Schools, and we hope families all across our community have an amazing summer! Whether it’s pool days, vacations, lake weekends, baseball tournaments, cookouts, or just enjoying the sunshine, we hope it’s a season full of joy and safe adventures.

Summer is also a great reminder to think about a few risks that can pop up this time of year:

🚗 Teen drivers spending more time on the road
🏊 Pool and trampoline safety at home
🚤 Boating, golf carts, side-by-sides, and recreational vehicles
🏡 Summer storms and severe weather damage
✈️ Travel plans and making sure valuables are properly protected

At Innovators Insurance, we believe insurance is about more than policies. It’s about helping families understand risks before problems happen and making sure you’re protected the right way. 💡

📞 Better coverage is calling… are you going to answer?

We’ve been taught to think about insurance the wrong way.

Too often, people focus on the cheapest option instead of asking:
“Will this actually protect me when something happens?”

Because when the unexpected hits, coverage matters.

That could mean:
• A utility line cracking in your yard and finding out the repair isn’t covered
• A totaled vehicle settlement that leaves you struggling to replace your car
• Missing endorsements or limits you didn’t even know you needed

At Innovators Insurance, our goal isn’t to just give you a policy.
It’s to help make sure you’re prepared for real-life scenarios before they happen.

That’s why we take the time to ask better questions, uncover gaps, and help you understand what you actually have and why it matters. That’s part of our Risk Intelligence approach.

If you want a no-pressure review to make sure you’re in the best insurance situation, we’re here to help!

If you run a manufacturing operation in Southern Indiana, three exposures drive more of your premium than almost anything else on your dec page.

𝗠𝗮𝗰𝗵𝗶𝗻𝗲 𝗚𝘂𝗮𝗿𝗱𝗶𝗻𝗴 & 𝗟𝗼𝗰𝗸𝗼𝘂𝘁/𝗧𝗮𝗴𝗼𝘂𝘁 𝗗𝗶𝘀𝗰𝗶𝗽𝗹𝗶𝗻𝗲

Underwriters and loss control engineers look hard at how your shop handles guarding on power presses, grinders, mixers, conveyors, and any equipment with stored energy. A documented lockout/tagout program -- with written procedures for each piece of equipment, annual reviews, and trained authorized employees -- is one of the strongest signals to a carrier that severe injury risk is being managed.

𝗙𝗼𝗿𝗸𝗹𝗶𝗳𝘁 𝗮𝗻𝗱 𝗽𝗲𝗱𝗲𝘀𝘁𝗿𝗶𝗮𝗻 𝘀𝗲𝗽𝗮𝗿𝗮𝘁𝗶𝗼𝗻

If forklifts and people share the same floor space, that's a severity exposure waiting to happen. Marked pedestrian lanes, mirrors at blind corners, speed limits, daily forklift inspections, and documented operator training every three years are the basics. Carriers reward operations that take this seriously and price up the ones that don't.

𝗘𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲 𝗺𝗼𝗱 𝗱𝗿𝗶𝗳𝘁

Your experience modification factor follows your business for years. A single severe injury in a small shop can move your mod for the next three policy periods, which means you're paying for a loss long after the medical bills are closed. Managing return-to-work, light-duty programs, and post-injury communication is just as important as the safety program that prevents the loss in the first place.

If you haven't seen a real risk review of your operation in the last twelve months, let's get one on the calendar.

We had a blast with this one 🪿

Big congratulations again to our porch goose giveaway winner, Nikki Edmonson! It was such a pleasure to meet you and your family and we hope Lucy Goosey brings you so much joy!

We love being able to do things like this and stay connected with the community we’re proud to serve!

At the end of the day, that’s what we’re all about. Being local, building real relationships, and showing up for you when it matters most. 😊