In our journey through life, we all face storms, some mental, some emotional. At Ashlin Hadden Insurance, we understand that these challenges require more than just financial solutions—they need compassionate, professional care. That's why we are deeply committed to supporting JRNY Counseling, a trusted partner of our agency dedicated to nurturing mental wellness in our community.

"It is better to be prepared for an opportunity and not have one than to have an opportunity and not be prepared." — Whitney M. Young Jr. The above quote can pertain to anything, but it is particularly applicable when running a business – be it a physical store or an online presence. An “opportunity” in the business sector could mean anything from finding a cheaper supplier, expanding to a new platform/location, or joining a company merger. All exciting stuff. While opportunities in business are almost always positive, some can be negative. For example, every business has the “opportunity” to: Be named in an employment lawsuit Lose a critical member of the team Have someone in upper management make bad financial decisions Hence, being prepared for any business opportunity is critical to the security of your company and assets. Below, we will discuss the importance of internal-operation business insurance and present, lesser-known coverages (specifically, employment practices liability Insurance, directors and officers insurance, and key person insurance). These types of policies you may want to consider for your overall business protection plan. Business Coverage You Need vs. Coverage You Should Have Picking the right insurance coverage can be a bit overwhelming, seeing as there are dozens of commercial insurance types available on the market and all of them can have vastly different parameters, contingent on your business type, your carrier, your claim history, how long you’ve been in business, the state you live in, etc. Then there are riders and endorsements that can be applied to your policy to suit your specific needs. In short, picking out the right coverage for your business can be a bit overwhelming, so it’s important you: 1.) Understand what policy types are available before you start shopping for insurance. 2.) Work with an insurance broker or agent who can advise and answer your questions. When you are in the initial stages of deciding which policy types you should purchase, you’ll want to break it down into two categories: insurance policies you need and insurance policies you should have.

When it comes to life's uncertainties, few things are as emotionally and financially devastating as a cancer diagnosis for individuals and their loved ones. As insurance agents, we've witnessed firsthand the profound impact such a diagnosis can have on families. The financial burden of medical expenses, coupled with the emotional toll of the journey, creates a complex web of stress and uncertainty.

**TL;DR at bottom We hope you don’t have a buzz on while you read this, because we’re about to tell you some incredibly sobering statistics regarding young adults in America. Stat: Since 2010, young-to-middle-aged adults have experienced significantly higher mortality rates compared to the same age bracket from 1990-2009. Stat: While some of the leading causes of death among young adults (aged 20-24) include drugs and suicide, the other top 10 contenders are automobile accidents, medical conditions, influenza, and pregnancy/childbirth. Stat: Among adults aged 25-44, accidents account for 43.5% of deaths, with car accidents alone contributing to 22% of these fatalities. We get it. Death isn’t som ething you want to think about when you've got a million other things to worry about, things that seem more pressing—like paying bills and taking care of your family. And even if you did have time to think about it, the odds are in your favor that we'll live for quite some time. So, why would you care about life insurance? Here's the thing: life insurance isn’t just about protecting your loved ones in the unlikely chance that you’ll die at a young age. As we'll explain in this blog, life insurance can actually help secure your future while you’re still walking around on this earth. Financial planning and literacy are things you should invest in now. Understanding the role life insurance plays in your financial and familial stability will help cushion your future and provide peace of mind. Understanding Life Insurance What exactly is life insurance (aside from a term used in many ID channel documentaries)? The name itself can be a bit deceiving, as it alludes to the idea that it’s insurance for the policyholder to use for their life. While that’s not totally incorrect, the more precise and simple definition of life insurance is: "A financial contract between an individual and an insurance company, in which the policyholder pays premiums each month, and if/when that person passes, their insurance carrier will provide a lump-sum payment, known as a death benefit, to their designated beneficiaries."

“Why are my insurance premiums so high?” As an insurance broker, I get this question a lot from clients – particularly in the last year or so. While the answer is complex and layered, it is important for you to understand not only why your insurance premiums have gone up, but also how you can mitigate the costs.