Otterstedt Insurance Agency Blog | Insurance Questions Answered

What Do You Need When You Start a Trucking Company?

Written on October 26, 2020.

There are plenty of things you need when you start a trucking company. You need trucks, drivers, loading equipment — and customers who want you to move their goods from one location to the next. You also need an appropriate amount of insurance protection and various coverage types...

Worker’s Compensation Changes Due To COVID-19

Written on September 28, 2020.

COVID-19 has undoubtedly changed so many things in our world. A condition that initially required 15 days to “flatten the curve” is changing lives, and even ending some lives, six months and counting, later. Existing worker’s compensation laws before COVID-19 specifically excluded...

How Umbrella Insurance Works To Protect Your Family

Written on September 17, 2020.

Umbrella insurance is something you’ve probably heard of but may not fully understand. You may even believe it is something you don’t really need. Unfortunately, we live in a litigious society that is making it more and more difficult for people or families to manage without the financial...

What Type of Insurance Do You Need as a Contractor

Written on August 28, 2020.

As a contractor, you wear many hats. You may perform a dozen different jobs in one day on a single jobsite or on multiple sites throughout your service area. These are just a few of the hats you may wear on any given day: ...

Life Insurance: Why It’s More Important Now than Ever

Written on August 27, 2020.

September is life insurance awareness month. It has never been more evident that we live in uncertain times than in the first eight months of 2020. We’ve gone from a nation where going to concerts, sporting events, movies, and dinner on the town were normal occurrences. To a...

Does Your Current Insurance Policy Protect You If a Hurricane Strikes?

Written on July 23, 2020.

While hurricanes can occur any time of the year, the official hurricane season begins June 1 and ends November 30 each year. As we approach the peak of hurricane season, which occurs mid-August through the end of October, it’s important to ensure your insurance protection is adequate...

How Dash and Security Cameras Can Help Defend You in a Lawsuit

Written on June 26, 2020.

When it comes to personal injury or property damage lawsuits, video recordings may be used in many types of cases, such as vehicle accidents, home thefts, personal injuries, and more. Depending on the location of the video recording device, footage of the incident can go a long way toward...

Must-Have Insurance Liability Coverages for a Pest Control Business

Written on June 23, 2020.

Liability insurance protects businesses of all types from claims that happen from normal business operations. For a pest control business, though, there are additional liabilities to consider. It’s important to make sure you have the right kind of liability insurance protection to meet...

How Much Flood Insurance Do I Need and When Is It Required?

Written on May 28, 2020.

Flood insurance is something that everyone, regardless of where you live in the United States, should consider. Even if you don’t live in what is traditionally identified as a high-risk flood zone, you should research and understand the benefits of flood insurance. Is Flood Insurance...

6 Data Breach Risks for Work From Home Employees

Written on May 19, 2020.

Business owners have quite a lot to worry about as more people are working from home and telecommuting than ever before, and will likely continue for some time. Whether the result of COVID-19 stay-at-home regulations or a shift to a more modern workforce, your employees could be...