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RAM Insurance Services Blog

View the latest blog posts from RAM Insurance Services.

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Tuesday, October 22, 2024

Do Rideshare Drivers Need Extra Insurance?

The rise of rideshare services like Uber and Lyft has provided many individuals with a flexible way to earn extra income. However, it also raises important questions about insurance coverage. Many drivers assume their personal auto insurance policy is sufficient, but this is often not the case. READ MORE >>

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Wednesday, October 9, 2024

Halloween Safety

Did you know that Halloween is the second highest grossing commercial holiday after Christmas?  Did you also know that children are more likely to be hit by a car and killed on Halloween than on any other day of the year? READ MORE >>

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Wednesday, October 2, 2024

Why You Need Personal Umbrella Insurance: Protect Yourself from Rising Judgments

As an insurance agency, we have seen firsthand how personal umbrella insurance has become for many individuals. In today’s world, lawsuits and claims against individuals are becoming more frequent, and the monetary judgments awarded can be staggering. READ MORE >>

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Tuesday, September 17, 2024

Financial Planning

There is no way of getting around the need for homeowner’s insurance. Depending on the size of the home, homeowner’s insurance can cost as little as $400 a year to as much as $2000 a year depending on the home’s value and coverage purchased. READ MORE >>

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Monday, September 2, 2024

Agribusiness Risk

  A business risk update Farms, ranches, and wineries are facing several emerging risks that if not managed might have catastrophic results.  There are many unique risks facing farm and ranch owners. Some of these could be covered under your existing commercial policy, while others may require additional coverage. READ MORE >>

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Wednesday, August 21, 2024

Insurance Considerations for Newlyweds: Merging Policies and Coverage

Getting married is an exciting milestone, and it also comes with new responsibilities, including reviewing and possibly merging your insurance policies. Properly managing your insurance as a couple can protect your assets, provide financial security, and even save you money. 1. Update Life Insurance Policies READ MORE >>

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Tuesday, August 6, 2024

Understanding the Insurance and Safety Concerns Surrounding Electric Bikes

Electric bikes (e-bikes) have surged in popularity due to their convenience, eco-friendliness, and ease of use. However, as their presence on roads and trails increases, so do the associated insurance and safety concerns. We recommend you review these issues with your insurance agent to make sure you are covered correctly. READ MORE >>

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Tuesday, July 23, 2024

Ways Independent Insurance Agents Help Clients with Their Risk and Insurance Program

As an independent insurance agent, I've seen firsthand how important it is for individuals and businesses to have a comprehensive risk management strategy in place. In this article, we'll explore the five ways independent agents like myself can help clients like you navigate the complex world of insurance and risk management. READ MORE >>

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Monday, July 8, 2024

Solving the Top 5 Auto Insurance Problems for Individuals

As an individual, having the right auto insurance coverage is crucial to protect yourself and your vehicle from unexpected accidents or damages. However, navigating the complex world of auto insurance can be overwhelming, and many individuals face common problems when trying to secure adequate coverage. READ MORE >>

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Wednesday, July 3, 2024

Happy 4th of July

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