You never know when you might get in an auto accident — or who the other driver will be. According to the Insurance Research Council, one in seven drivers doesn’t carry auto insurance. If your car is hit by one of those drivers, it could mean substantial costs to you.

That’s where uninsured motorists and underinsured motorists coverage come in. They often are built right into your auto policy, although the coverage requirements vary by state.

As safer at home guidelines begin to lift in some U.S. states, it's a welcomed sigh of relief for many. While you may be excited to return to business as usual, it's important to remember that it won't be "business as usual" right away. 

Umbrella coverage is aptly named — it gives you added coverage on top of your personal insurance (like homeowners, auto, watercraft, or motorcycle). But how does it relate to you and your current insurance policy? Here's a basic overview to help you understand the coverage.  

This year our company celebrates 120 years of serving policyholders. What started in Julius Bubolz’s farmhouse has grown to become a property and casualty insurance company with coverages for businesses, homes, autos,  farms, agribusinesses, nonprofits, and special events in 12 states.

The time to prepare for sickness is before germs hit your team. Illnesses can happen anytime, but flu season generally peaks between December and February, although it can stretch from October through May. Consider how you canprevent an outbreak and how you can respond quickly to limit the impact and costs to your business.