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First Independent - Descamps Insurance Agency Blog

View the latest blog posts from First Independent - Descamps Insurance Agency.

Small businesses all over the United States are pressed with the question on whether or not to track the hours worked for their employees.  Business owners and managers may have concerns about employees being over(or under) paid, worried  about compliance or may simply want to modernize the old school time clock system. READ MORE >>

Whenever you drive, you are going to encounter other drivers. As a result, there’s a chance that you could harm them. Nevertheless, there’s also a chance that they could harm you.  After accidents, many drivers face questions about who was at fault in the accident. READ MORE >>

Moving to a new property brings with it a degree of unfamiliarity. After all, you will soon occupy a place where you haven’t spent a lot of time beforehand. What worked for the previous owner might not work for you. You might need to make certain improvements to the property to make it more secure  for your needs. READ MORE >>

A key reason to have business insurance is to protect your company from loss. However, it is up to you, as the business owner to make decisions about how to minimize loss.  Many companies have sexual harassment policies in place, for example. If you do not have one, that may be the first step necessary. READ MORE >>

Saving money is always an important step in creating financial security. Most people should have some money in their savings account. It can provide financial protection if you lose your job or face an emergency situation.  Yet, you also need to think long-term. READ MORE >>

It is time to consider a new auto insurance policy. You may hear terms such as policy cancellation and non-renewal. What do they mean? Are there implications to these that you should know about when it comes time to renew? Car insurance cancellation and non-renewal are two different things. READ MORE >>

When you have health insurance, you’re still likely to pay some residual costs for certain elements of your health care. These include your deductible At times, the deductible can confuse many Americans. Deductibles have an important impact on your health insurance costs and your coverage. READ MORE >>

The roof of your home protects it from winter weather. Before the season starts, take steps to ensure it is up to par. Careful planning helps ensure your roof does not suffer significant damage during winter. This can reduce the need to file home insurance claims. To achieve this, work with a licensed roofing contractor. READ MORE >>

Starting your own business is exciting! You have many ideas and plans for the future. But, there are also the not-so-fun things. For many, this includes budgeting, taxes and payroll. Here are a few budgeting tips that will help you keep your finances in good order. READ MORE >>

Some people wonder why life insurance is necessary at age 60 and beyond. After all, this is the time in life when one retires. The peak earning years might have passed. The children are all grown up. So, what is the purpose of having life insurance after 60? Let's take a look at the life insurance options for those age 60 and beyond. READ MORE >>

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