I hope this never happens to you.. but it could: A sudden emergency, potentially life-threatening, hits your business. Are you ready? Does everyone know what to do? What’s your emergency plan? You may be protected by insurance but an emergency plan could also save lives– and your business. And if you don’t have one, it […]
How many times have you seen those TV ads that promise they can deliver big savings on your auto insurance? If they were all true, insurers would be chasing each round and round in circles until they went out of business. What is true is that you might be able to reduce your insurance premiums […]
Employee handbooks- what a yawn, eh? Yes, they can be, both for the employees and the souls who have to produce them. But if you don’t have one, you could be leaving yourself open to liability lawsuits (often with higher damages awards as a result) and a greater risk of workplace mishaps. Employee handbooks don’t […]
Meet Luis R Gravier, the owner of CWI Underwriters. Luis came from Cuba in 1967 at the age of fourteen. He worked for corporate America until 1999 when he decided to join the Insurance industry. He has been in the Insurance industry for almost twenty years, and is very passionate about helping business owners properly […]
For most of America, if not the world, this is the season where any attempt of eating healthy goes out the window. According to a recent Weight Watchers report, the average American gains around 7-10 pounds between November and January. Here are some tips to help you approach these upcoming months with a plan: Don’t […]
Most people understand that when they get married, have a baby, or move those are all life changes that need to be disclosed to your insurance agent. However, there are very important smaller events that we CWI Underwriters, your local Independent Insurance Agent, needs to be aware of to made aware of. Here are some […]
Black Friday is right around the corner, and shopping season is upon us! It’s that time of the year where we see a huge rise in theft, fraud and deception that lands many already-hard-pressed shoppers in hot water. So, quickly, here are 5 money saving tips (in that if you don’t do these you’ll be […]
The reason why everyone needs insurance is simple: to protect against the unexpected. So, if the personal property in your home was to be stolen, or catch on fire, do you know how this will affect you financially? A clear understanding of Replacement Cost Value (RCV) and Actual Cash Value (ACV) will give you a better a better idea […]
This Sunday, November 6th the time change officially takes place at 2 a.m., thanks to Daylight Saving Time (DST). Unless you are stuck in the Flintstones era, then you don’t have to worry about changing the time yourself. Our smartphones, tablets, and computers will all update automatically. Why Daylight Savings? It’s always nice to have […]
To many employers, workers’ compensation insurance is just another unavoidable cost of doing business and an expense that they have very little control over. However, controlling workers’ comp costs are not as difficult as one might think. Here are some common ways to improve your workers’ compensation premiums: Setting up your safety program In most […]
