Why Disability Insurance Protects More Than Just Health
Why Disability Insurance Protects More Than Just Health When employers think about employee benefits, health insurance is usually the first thing that comes to mind. But one of the most important protections employees can have isn’t medical coverage — it’s income protection. That’s where disability insurance plays a critical role. What Disability Insurance Actually Covers […]
Make a Life Insurance Plan For Business Continuation
Make a Plan For Business Continuation A positive plan can help continue your business for future generations. When it comes to business continuation planning, the phrase “you can either fail to plan or plan to fail” certainly applies. As a business owner, you may have created a formal business plan or have done no planning […]
Insurance Fraud: The $300B Crisis in America
Insurance Fraud is a $300B+ Problem For Every One of Us The impact of insurance fraud on the U.S. economy is staggering. A recent study by the Coalition Against Insurance Fraud estimated the total figure at $308.6 billion, including $79 billion annually from property and casualty or workers’ compensation claims. While these total numbers are no surprise to […]
The Delivery Exclusion on a Personal Auto Policy
The Delivery Exclusion on a Personal Auto Policy: Why an Endorsement Usually Isn’t Enough With the rise of DoorDash, Uber Eats, Instacart, Amazon Flex, and other gig platforms, more drivers are using their personal vehicles to earn income. Unfortunately, many don’t realize that a standard personal auto policy was never designed for delivery exposure. And […]
Enhancing Your Employee Benefits Without Increasing Cost
Enhancing Your Benefits Without Increasing Employer Cost For many employers in the 15–100 employee range, the biggest challenge in 2026 is simple: How do we offer stronger benefits without increasing company spend? Rising medical premiums make it difficult to add employer-paid enhancements. But there is a practical solution that many businesses underutilize — voluntary benefits. […]
Why Most Businesses Should Carry Cyber Liability Insurance
Why Most Businesses Should Carry Cyber Liability Insurance Cyber risk is no longer a “big company” problem. It’s a business problem — and for most organizations, it’s one of the fastest-growing exposures on the balance sheet. Whether you run a small contracting company in rural Ohio or a multi-location professional services firm, your business likely […]
Awareness of Property Insurance Trends in OH, MI & IN
Property Insurance in Ohio, Michigan & Indiana: Navigating Changing Risk Property insurance across the Ohio, Michigan, and Indiana tristate region is entering a new phase. Carriers are not reacting to headlines or politics. They are reacting to loss experience, claims frequency, reconstruction costs, and actuarial data. For homeowners, farmers, and business owners in the Midwest, […]
Insurance Isn’t Just a Bill. It’s a Strategy.
Insurance Isn’t Just a Bill. It’s a Strategy. Most people buy insurance based on price.Very few build it based on risk. At Frost Insurance Agency, we approach coverage differently. We believe insurance should be structured intentionally — aligned with your assets, your income, your business operations, and your long-term goals. Anyone can generate a quote.Professional […]
Locating Unclaimed Life Insurance Benefits
How to Locate Lost Life Insurance Policies After a Loved One’s Death When a loved one passes away, families are often overwhelmed with grief—and paperwork. What many people don’t realize is that life insurance policies sometimes go unclaimed simply because no one knew they existed. Billions of dollars in life insurance benefits remain unclaimed across […]
Insurance Coverages That Are Worth a Second Look
Optional Insurance Coverages Worth a Second Look Read time: 4 minutes Most insurance policies come with a solid foundation of coverage. So when something is labeled optional, it is easy to assume it is extra, unnecessary or something you can safely skip. But in reality, optional coverages are often designed to fill common gaps in […]