Business income insurance, also known as Business Interruption Insurance, is a type of coverage that replaces lost net income if your business is forced to shut down or scale back due to a covered peril, like a fire, windstorm, or…
Why You Should Always Require Certificates of Insurance from Anyone You Hire Whether you’re hiring a contractor, subcontractor, vendor, or service provider, one of the most important risk management steps you can take is requiring a Certificate of Insurance (COI).…
When a Fire Destroys Everything: Why Understanding Your Property Contents Coverage Matters When most people think about homeowners insurance, they think about the house itself – the walls, the roof, the structure. But after a total loss, it’s often what’s…
First, it’s important to understand the differences between Service Animals & Emotional Support, Therapy, Comfort or Companion Animals commonly called Emotional Support Animals or ESA’s. Service Animals The American with Disabilities Act defines a service animal as a dog that…
Serving as a director or officer comes with big responsibilities—and sometimes, big risks. Whether you’re running a business, sitting on a nonprofit board, or helping guide an organization’s future, decisions made at the leadership level can open the door to…
County Sheriffs have the authority to temporarily close municipal, county, and state roads when conditions become dangerously hazardous due to snow, ice, low visibility, or drifting snow. Below is a breif explanation of each level and what it means. Level…
Please join me in congratulating Taylor Henry from our Mount Vernon office for successfully passing her Property & Casualty (P&C) insurance license exam! This achievement represents a significant amount of hard work and dedication to her professional growth. With this…
Mark Dumbaugh Retires After 47 Years of Service After 47 years of dedicated service, Mark Dumbaugh will be retiring from Dumbaugh Insurance on December 31, 2025. Mark’s career has been defined by integrity, commitment, and genuine care for the clients…
As 2025 comes to a close, we remain grateful for our clients. We are lucky enough to work with a great people who trust us to help protect their lives. The last few years in the insurance marketplace have brought…
Insurance language can sound confusing, but it doesn’t have to be. At its heart, it’s just about making sure you can replace the things you need for your business, whether they’re stuck in the office or always on the go.…