SBInsure

Missouri summers can be soggy.

Did you know heavy rain can flood your home even if you're not near a river? 🌧️🏠

Standard homeowner policies typically exclude flood damage.

Here’s your action plan:
• Check if your community participates in the National Flood Insurance Program (NFIP).

• Purchase a flood insurance policy now – there’s usually a 30-day wait until it kicks in.

Why it matters: Just 6 inches of water can cause over $50,000 in damage; NFIP covers without needing a disaster declaration.
Nearly 40% of flood claims come from unexpected areas, so protecting your home prevents financial ruin.

Stay dry and covered – talk to us about flood insurance today.

Thinking of adding some backyard fun?
A pool or trampoline can turn your yard into party central – but they also add risk. 🏡⚠️

Which new home feature would you add?

🏊 Swimming pool
🤸 Trampoline
🎠 Playground
💡 Other

Tip: Always inform your insurance company when you add high-risk items.
Trampolines and pools are treated as “attractive nuisances.”
If you don’t disclose them, you could lose coverage for any accidents. Why?

Insurers see them as hazards that greatly increase injury risk.
By letting us know, we keep your policy valid and might even find safety upgrades (like nets or fencing) that lower your premium.

What summer addition do you have planned?
Tell us below!

When was your last insurance policy check-up? 🕒📋

Life changes fast for businesses too. SBInsure partners with clients to conduct annual reviews and updates.

Action steps:
• List new assets or changes (vehicles, equipment, employees, property upgrades).
• Call SBInsure to review your policy limits and premiums once a year.

Why it matters: Policies that fit last year’s needs may not fit today’s.
Our annual reviews often uncover savings (discounts for bundling or safety) and spots coverage gaps before a loss.
One client praised SBInsure for doing these reviews, which keeps everyone protected.

Stay proactive and ensure you’re only paying for what you need.
Book your free policy review now for peace of mind!

Restaurant owners: Running a restaurant is risky. 🥘🎉
Do you have these in your policy?

1. General Liability – Covers guest injuries or food-related illnesses.
2. Commercial Property – Protects your building, kitchen equipment and inventory from fire, theft, or damage.
3. Workers’ Compensation – Mandatory for any employee injured on the job.
4. Liquor Liability – Required if you serve alcohol, covering injuries caused by intoxicated customers.

Why it matters: Each coverage shields you from big losses.
For example, liquor liability and food spoilage insurance protect against expensive claims

unique to restaurants. Missing any of these could be disastrous when an accident happens.
Our SBInsure team can tailor a package with these essentials so you stay focused on cooking up great food.

To keep the kitchen open and liabilities checked, make sure all four are on your plan!

Union road warriors 🛣️: Planning a summer drive? Don’t skip vehicle checks! 🚗

What's your first car prep step?

⛽ Fill up on gas
🔌 Check tire pressure & tread
🔑 Pack emergency kit
💡 Other

Tip: Always inspect your tires and tire pressure before any long drive.
Properly inflated tires with good tread improve fuel economy and handling, reducing breakdown risk.
Why? Underinflated or worn tires can cause blowouts or accidents on the road.

A quick gauge check and tire makeover now mean safer, smoother trips ahead.
Share your top road trip hack with us! Safe travels, Union MO!

Companies: If an employee is hurt on the job, acting fast is key. ⚕️📝

1. Ensure immediate care for the injured worker (call emergency services if needed).
2. Document the incident in writing (include witness names, photos, and details).
3. Notify SBInsure to file a Workers’ Comp claim right away.

Why it matters: Prompt reporting and thorough documentation protect your employee’s benefits and your business.

Proper records help file the claim correctly and can prevent fraud.
SBInsure partners with businesses to reduce comp claims by promoting safety and guiding you through the claim process.

Stay prepared with an incident report kit and keep everyone safe on the job!

Homeowners: Before summer storms arrive, give your roof some TLC! 🏡🔧

1. Clean your gutters and downspouts (remove leaves, branches, debris).
2. Trim back any overhanging tree limbs.
3. Inspect for missing or damaged shingles.

Why it matters: Clogged gutters trap moisture, causing rot or mold in your roof.
Proper maintenance stops water damage before it starts, saving you from costly repairs and insurance headaches.

Grab a ladder (safety first!) and clear those gutters today for a leak-free summer.

Union neighbors: Severe storms can strike without warning! ⛈️⚡

Have you packed an emergency kit?

🔦 We already have one
📦 I’m preparing it now
🤔 Not sure where to start
🚫 Nope, not yet

Tip: Each person needs at least 1 gallon of water per day (3-day supply) plus non-perishable food, a flashlight, batteries and a first-aid kit.
Why? If storms knock out power or floods come, these essentials will keep your family safe and fed until help arrives.

What's your top storm survival tip?
Let us know below! Stay safe, Union MO!

Life moves fast: bought a new car, remodeled your home, or added a family member? 🏠🚗👶

Step 1: List any major changes (new house, boat, married, new drivers).
Step 2: Call your SBInsure agent for an annual coverage review.

Why it matters: We shop multiple carriers for your benefit, and even small updates can save you money or prevent gaps.
In fact, 95% of our clients stay because we focus on service, regularly catching changes others miss.

Keeping us in the loop after big life events ensures you’re always properly covered without overpaying.

Ready for your free insurance check-up? Give us a call!

Imagine a fire damages your store, forcing you to close suddenly.
What do you do first? 🔥🏢

1. Secure and preserve all accounting records (sales reports, payroll, tax returns) for at least the year before and after the loss.
2. Contact your agent immediately to report the claim and get instructions.
3. Continue paying key ongoing expenses (rent, utilities, loan payments) – your Business Interruption coverage is designed to reimburse these.

Why it matters: Insurers require detailed records of lost income to calculate your payout.
Having year-round financial documents ready means faster claims and a smoother recovery, helping you get back to business sooner.

Stay organized and keep backups of your financial files.
It’s a small step today that can save your business tomorrow!