Copple Insurance Agency

The largest life insurance policy ever issued is now reported at $300 million.

Manulife Singapore announced the record-setting policy this year, created for a high-net-worth individual to support their legacy planning and long-term wealth protection.

Most people will never need a policy that large, but the purpose behind it is familiar: making sure the people and plans you care about are protected.

Copple Insurance can help you review what the right level of life insurance coverage looks like for you.

The summer season presents many risks. If you or your business has any of the following, it may be time to review your coverage.

Guest areas and pools: Your liability coverage should reflect the growing summer traffic. Take note if you have a rental property or customer-facing outdoor space.

Boats and watercraft: Individuals and businesses that own, rent, service, store, or use boats for events should review coverage for property damage, liability, theft, and employee use.

RVs and business vehicles: Any vehicle should be properly insured for travel, equipment, drivers, and roadside exposures.

Small gaps in coverage can become costly during the busy summer season.

Lincoln and the surrounding area have seen plenty of hail over the past month. Unfortunately, hail damage is not always easy to spot from the ground, and leaks may not show up right away. The size of the hail can make a difference in immediate damage:

• Pea-sized hail usually causes little visible damage, especially on newer roofs.
• Dime to nickel-sized hail can start loosening protective granules on older shingles.
• Quarter-sized hail is often where measurable roof damage begins.
• Golf ball-sized hail or larger can cause cracks, dents, and damage to exposed underlayment.

Give us a call to understand what your policy covers before small roof damage turns into a bigger problem.

Why is it called a deductible? Because it’s the amount deducted from your claim before insurance helps pay.

If a covered repair costs $6,000 and your deductible is $1,000, for example, you pay the first $1,000. Insurance helps cover the rest, based on your policy.

Our team works with you to select coverage that makes the most sense for both your coverage and your deductible.

Your home may have the same square footage it did five years ago. But the cost to rebuild each one of those square feet? That’s changed dramatically.

Recent data shows that construction costs per square foot in Nebraska have risen by approximately 34% since 2021. Your homeowners insurance coverage should reflect what it would cost to rebuild your home today, and our team can help make sure you don’t have an outdated policy that leaves you underinsured when it matters most.

“Social inflation” and “nuclear verdicts” may sound like legal buzzwords, but they can have a real impact on your liability coverage.

In our latest blog, we explain what these trends mean, why umbrella liability policies matter, and how the right coverage can help protect you or your business from a costly claim.

We were glad to support the Lincoln Home Builders Care Foundation at the Home Builders Association of Lincoln’s annual golf tournament.

Held at Highland Golf Course in Lincoln, the tournament raises funds for housing-focused service projects and scholarships for students pursuing careers in home building.

Regular training with our carrier partners helps our team stay up to date and ensure we're providing the best coverage for our clients.

This week, Sheryl attended Cincinnati Insurance's Agency Leadership Institute. She had the opportunity to connect with agents from other states, learn what's new in the insurance industry, and see firsthand how Cincinnati Insurance invests in supporting both its agents and clients.

A big thank you to The Cincinnati Insurance Company for a top-notch conference and a great learning experience.

Event season can bring everything from weddings and reunions to concerts and community gatherings. Make sure your coverage is ready, too.

Liability insurance can help protect your business if someone is injured or property is damaged during your event. Cancellation insurance can help cover costs tied to delays, rescheduling, or cancellations caused by covered situations like weather, illness, injury, or vendor issues.

Planning an event? Talk with your independent insurance agent about the coverage that fits your plans.

Running a business comes with unknowns. Your insurance coverage shouldn’t be one of them.

With an independent insurance agent, you have someone who can look beyond a single carrier and help you compare the options that actually fit your business. Our team works with over 10 carriers to help shape coverage around your risks, your budget, and the work you do every day.