Price & Ramey Insurance

General liability claims can arise unexpectedly. An inadequate or delayed response may disrupt operations, impose financial burdens, and heighten the risk of litigation. Explore with us some essential best practices for effectively addressing general liability claims. Stay prepared and informed!

The Travelers Companies, Inc. today announced the recipients of its 2026 Personal Insurance Agent of the Year Award, honoring nine independent agents who have a strong partnership with Travelers and demonstrate exceptional customer service, community involvement and long-term profitable growth. The recipients accepted their awards last week at the annual Travelers Leadership Conference for top independent agents and brokers.

We are proud to share that our President/CEO, Aaron Hammons, was among the honorees!

https://investor.travelers.com/newsroom/press-releases/news-details/2026/Travelers-Announces-2026-Personal-Insurance-Agents-of-the-Year/default.aspx

Staying healthy is the best way to reduce the cost of your health insurance. March is National Kidney Awareness Month -- here are a few tips to keep your Kidneys happy and healthy, and to avoid untimely expenses

As the year moves forward, employers subject to OSHA recordkeeping requirements face important compliance deadlines. From posting annual injury summaries to submitting electronic reports, taking timely action can help avoid penalties and ensure your organization remains compliant.

Key Deadlines

Employers should keep the following critical dates in mind:

Feb. 1—Complete and post OSHA Form 300A (Summary of Work-related Injuries and Illnesses).
March 2—Submit required electronic injury and illness data through OSHA’s Injury Tracking Application (ITA), if applicable.
April 30—Maintain the Form 300A posting in a conspicuous workplace location through this date.

As the weather turns warm, make sure your motorhome is ready for spring camping! Is your RV fully covered? Reach out to your local Price & Ramey agent today to be sure https://priceramey.com/contact/?requestType=general.

Many recreational vehicle (RV) owners store their motorhomes, campers and trailers for the winter, but with spring on its way, your next adventure may be just around the corner. Still, it’s crucial to make sure your vehicle is properly prepared before hitting the road. Remember these tips:

Check your tires to make sure their tread and pressure are adequate.
Flush antifreeze from any water lines and sanitize the system to ensure plumbing is safe.
Clear your vehicle’s roof of any debris that may have accumulated over the offseason.
Check your heating, cooling and electrical systems. Batteries may need to be replaced or charged.
Inspect your RV for any sign of pests, as rodents and other wildlife may have used it for refuge during the winter.

In addition to making sure your vehicle is in good working order, this time of year may also be a good time to reassess your RV insurance, as your circumstances or rates may have changed. Contact us today to learn more.

Whether you’re departing for a business trip, taking a solo adventure or embarking on a family vacation, the potential value of travel insurance cannot be overstated. This infographic discusses key aspects of these policies and how they can provide financial aid.

Call your local Price & Ramey agent today to make sure your 2026 plans are fully covered

✨ Employee Spotlight ✨

Meet Kendra, one of our talented Commercial Lines Account Managers in the Tazewell, TN office!

Kendra has been a staple in the Tazwell office for us for 4 years, if you have ever popped in, you certainly saw her. She is always there to lend a hand and is constantly learning new ways to grow as an agent and better serve her insureds.

We are thankful for Kendra's many years of service to our agency and our community. Have questions about your commercial policy? Reach out to Kendra and her team today at https://priceramey.com

How Usage-based Auto Insurance Can Reduce Premiums

Usage-based auto insurance is a popular option for drivers who want more control over their premiums. Instead of relying solely on traditional rating factors, such as the driver’s age and history of moving violations and accidents, usage-based insurance tracks safe driving habits. Measured habits may include smooth braking, steady speeds, lower-than-average annual mileage, and limited late-night driving, to help set rates.

Is Usage-based Coverage Right for Me?

For many drivers, usage-based coverage offers a clear connection between how they drive and what they pay. Those who drive infrequently, have a recent history of safe driving or want their rates to reflect real-time driving habits may benefit from usage-based coverage options.

How Much Will I Save?

Usage-based auto insurance can trigger meaningful savings, but the exact amount depends on the program and the driver. In general, the safer and more predictable your driving behavior is, the more you can save.

Contact your Price & Ramey agent today to learn more about your usage-based auto insurance options and find out whether it’s a good fit for you

AI isn’t just reshaping processes; it’s fundamentally altering the job market. In 2025, AI was identified as a significant contributing factor in nearly 55,000 collective layoffs in the United States, according to data from the consulting firm Challenger, Gray & Christmas. The month of October 2025 alone marked the biggest reduction in more than 20 years. Tech giants Amazon and Salesforce have been at the forefront of this trend. Amazon cut 15,000 corporate jobs, citing AI-driven efficiencies and organizational streamlining as key drivers. Similarly, Salesforce eliminated 4,000 customer support roles, explaining that AI now handles up to 50% of the company’s workload. This trend has continued into early 2026, with organizations such as Citigroup, Pinterest and Meta initiating additional reductions while emphasizing that AI and process automation would reshape work in the years ahead. For this year, global consulting firm Korn Ferry expects more than 4 in 10 companies to replace roles with AI. This trend is most pronounced in positions that involve repetitive tasks or data-heavy processes, such as administrative support.

While these moves are often framed as steps toward innovation, experts caution that the promised productivity gains from AI remain uneven. A recent Boston Consulting Group survey found that 60% of firms reported minimal revenue or cost improvements, despite significant investment in AI, raising questions about whether AI is being used as a genuine efficiency tool or as a narrative for cost-cutting.

Talk with a Price & Ramey agent today to make sure your business is covered in these changing times