Alternative Insurance Agency INC

When comparing inland marine insurance and equipment floater coverage, the differences matter, but so do the similarities. Understanding both can help you make more informed decisions about your business insurance strategy.

While these coverages serve different purposes, they do share several important characteristics, including:
✅ Both are designed for property that is not confined to a single, permanent location.
✅ Both help bridge gaps left by standard commercial property policies.
✅ Both typically provide protection against common risks like theft, damage, and certain weather events.
✅ Both are essential for businesses that transport materials or equipment between jobsites.

At the end of the day, the right coverage for your business depends on the types of equipment and materials you use, how frequently they are transported, and where they are stored. Many contractors benefit from a combination of both broader inland marine coverage and more targeted equipment protection.

That said, if you are unsure whether your current coverage accurately reflects how your business actually operates, now is a good time to review your options. Our team is more than happy to help you review your coverage and determine if adding additional policies are right for you.

Every June 14th, we celebrate the Stars and Stripes on Flag Day. While we’re all familiar with the United States’ flag, we might not know all of the history behind this symbol.

To celebrate, we wanted to share a few fun facts about the history of the flag that might surprise you:

🔹 The current 50-star design was created by a 17-year-old. Robert G. Heft of Lancaster, Ohio, submitted the design as a high school project in 1958. It was chosen by President Eisenhower out of more than 3,000 submissions in 1960.

🔹 There have been 27 official versions of the flag. Twenty-five of those changes were solely to update the number of stars every time a new state joined the Union. The star additions were admitted on July 4th, and, together, they give us a rich visual history of the country's growth over time.

🔹 The colors for the flag have taken on their own meanings over the years. Charles Thomson, secretary of the Continental Congress in 1774, suggested that red represents hardiness and valor, white symbolizes purity and innocence, and blue stands for vigilance, perseverance, and justice.

🔹 Six American flags have been planted on the moon. Neil Armstrong and Edwin E. “Buzz” Aldrin were the first, but five additional Apollo missions have also left a flag on the lunar surface.

🔹 The current design is the longest-running version in history. No new states have been added since Hawaii joined the union in 1959, making this the most enduring flag design the country has ever had.

Wishing you a wonderful Flag Day filled with pride and appreciation for the history behind the flag we share.

June is National Fireworks Safety Month — a perfect time to plan summer celebrations that are fun and safe. Fireworks are exciting, but they also contribute to thousands of emergency room visits and fires each year.

While small displays put on near the home often seem safe, small fireworks can still pose a serious safety risk. However, there are plenty of ways to celebrate safely this summer. This can include laser light shows, drone displays, festive block parties, glow sticks, and confetti poppers.

It’s important to remember that even with precautions, accidents can still happen. Now is a good time to check in on your coverage and make sure you understand your liability basics heading into the season.

Have questions about your policy? Don’t hesitate to reach out to our team. We are here to help you.