Insights and guidance
Helpful Insurance Tips From the Fortner Team
8 Common Insurance Myths That Could Leave You Exposed
Clear Up the Confusion: Debunking Popular Insurance MisconceptionsWith Debunking Day coming up on March 11th, it’s the perfect moment to shine a light on some of the biggest misunderstandings...
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Understanding Accelerated Death Benefit Riders: A Financial Lifeline During Serious Illness
When most people think about life insurance, they picture a benefit paid to loved ones after they’re gone. But some life insurance policies can provide support while you’re still living—especially...
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Spring Safety Tips Every Commercial Driver Should Know
As winter fades and spring settles in, the change in seasons brings a fresh set of driving challenges for anyone operating a commercial vehicle. Longer days, blooming landscapes, active wildlife,...
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Essential Spring Insurance Coverage for Busy Contractors
As spring approaches, construction crews often see a surge in workload. Along with that increase comes a rise in potential risks. More projects, tighter timelines, and busy job sites can lead to...
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6 Key Spring Driving Safety Reminders for a Safer Season
As winter fades and milder weather rolls in, it’s easy to assume the roads are automatically safer. But spring brings its own mix of seasonal challenges that can catch drivers off guard. From...
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Common Small Business Insurance Questions—What Every Owner Should Understand
Running a small business means constantly juggling decisions, and insurance is one area where many owners feel unsure. Whether you’re opening your doors for the first time or have been in business...
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A Fresh Look at Long-Term Care Riders: A Versatile Addition to Your Life Insurance Plan
Planning for tomorrow isn’t just about building wealth—it’s also about ensuring that what you’ve worked hard for stays protected. Many people understand the value of life insurance, but far fewer...
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Contractors vs. Subcontractors: Understanding the Insurance Differences That Matter
In the construction industry, every project comes with its own unique set of challenges—and the risks that accompany them can vary just as widely. Whether you’re running a general contracting...
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Protect Your Valentine’s Day and Presidents’ Day Purchases: A Fresh Look at Insuring What Matters
February may be the shortest month of the year, but it often packs a financial punch. Between Valentine’s Day gifts, sentimental surprises, and big savings during Presidents’ Day auto sales, many...
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Overlooked Home Insurance Riders: Are You Missing Essential Coverage?
Many homeowners assume their standard insurance policy protects them from nearly every possible risk. Unfortunately, that’s rarely the case. Some of the most costly losses are only covered if you...
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6 Emerging Insurance Risks Businesses Should Prepare for in 2026
IntroductionAs 2026 gets underway, organizations of all sizes are navigating a business environment that’s more unpredictable than ever. From shifting legal landscapes to increasingly sophisticated...
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Why Life Insurance Plays a Key Role in Your Financial Health
January marks Financial Wellness Month, making it a great moment to reassess your overall financial strategy. While many people focus on budgeting, saving, or investing, life insurance is often...
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A Milestone to Honor: Recognizing Teen Driving Awareness Month
Celebrating a Major Step Toward IndependenceFor many teenagers, earning a driver’s license represents a defining moment — the beginning of independence and a new level of responsibility. For...
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Holiday Safety: Celebrate Responsibly and Save Lives
The holiday season is a time for joy, laughter, and cherished memories. Picture the warmth of family gatherings, the laughter echoing at festive parties, and the satisfying pop of a champagne cork...
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Understanding Term Life Insurance
Reassessing Priorities? Consider Term Life Insurance Life changes like purchasing a home, starting a family, or switching jobs can make you rethink your financial priorities. If you're exploring...
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The Essential Guide to Business Interruption Coverage
Navigating Unpredictable Disruptions in BusinessIn today's volatile world, business owners are increasingly aware of how unforeseen events can throw operations into chaos. Be it a devastating...
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Protect Your Holidays: Insuring Valuable Gifts
Picture this: twinkling lights, festive music, and the warmth of family gathered around the tree. The excitement of holiday gift-giving is at its peak, with each unwrapped package holding potential...
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End-of-Year Life Checkup: Is Your Coverage Still Right?
Reflecting on Coverage as the Year Draws to a CloseThe end of the year is upon us, bringing opportunities for reflection and renewal. As the festive season unfolds, paired with the task of open...
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Winter Prep Tips for Commercial Properties
Interior Prep TipsUpdate internal emergency plans and ensure contact info is posted in visible areas; communicate procedures clearly to all staff and tenants.Have your HVAC system professionally...
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Winter Home Prep: Simple Steps for Safety and Warmth
Welcome Winter with Confidence: Essential Home Prep TipsAs the crisp air of winter begins to settle in, thoughts of snow-covered evenings and cozy fires come to mind. Yet, alongside the charm of...
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Halloween Safety: Ensuring More Treats Than Tricks
Carve Pumpkins with CareEmbrace the creative thrill of pumpkin carving, but remember to prioritize safety. Always supervise children during carving sessions. It's wise to use pumpkin carving kits...
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Fall Event Liability: Essential Tips for Business Safety
Welcome the Autumn Festivities with CautionAs the leaves turn and pumpkin spice fills the air, communities come together for fall events that capture this season's warmth and camaraderie. These...
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Halloween Fun: Stay Safe, Avoid Drinking & Driving
Celebrate Spooktacularly, But Stay SafeHalloween is an exciting time filled with costumes, candy, and festivities that bring communities together. However, amidst the fun, it's crucial to ensure...
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Slip and Fall Season: Proactive Steps for Business Owners
Seasonal Concerns for Business OwnersAs the seasons transition, business owners face a heightened risk of slips and falls, not only posing safety challenges but also significant liability concerns....
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Keep October Safe: Essential Fire Prevention Tips
October brings much-anticipated cooler weather and beloved traditions like cozy fires and autumnal decorations. However, it also serves as an important reminder to review fire prevention measures....
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Preventing Jobsite Theft as Days Grow Shorter
Understanding the Risk of Jobsite Theft and VandalismAs fall and winter approach, many construction sites face increased risks. The shorter daylight hours and earlier sunsets create more...
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Are Life Insurance Gaps Lurking in the Shadows?
As the shadows grow longer this Halloween, the scariest things might not be ghosts or goblins, but the lurking gaps within your life insurance policy. Life insurance itself isn’t spooky, but what...
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Deer Collision Alert: Essential Safety Tips for Fall
As the leaves turn to shades of gold and amber, we welcome the beauty of fall with open arms. However, this season doesn't come without its hidden risks, particularly the spike in deer-related...
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Navigate Fall Risks: Deer Collision Safety for Fleets
As fleet managers and commercial drivers, ensuring the safety and reliability of your vehicles is crucial for business continuity. The fall season, while picturesque, introduces unique driving...
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Fall-Inspired Tips for Safety and Insurance
Embrace Autumn Safely: A Guide to Fall RisksAh, autumn! The season of cozy sweaters, pumpkin picking, and golden leaves. As temperatures drop and traditions unfold, it's also a time to be aware of...
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Reevaluating Financial Plans for Life Insurance Awareness Month
Life Insurance Awareness: A Time for ReflectionSeptember marks Life Insurance Awareness Month, presenting a timely opportunity for you to reassess your financial plans. It’s understandable to have...
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Why Consider an Umbrella Insurance Policy?
When it comes to protecting your assets, traditional insurance policies like auto and home insurance cover a lot, but there are times when they might not be enough. This is where an umbrella...
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Medicare Enrollment
The Medicare Annual Enrollment PeriodThe Medicare Annual Enrollment Period (AEP) is a critical time for beneficiaries to evaluate their healthcare needs and make necessary adjustments to their...
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Why Missouri Churches Need Specialized Insurance Coverage
Churches are not just places of worship; they are community centers, gathering spaces, and often provide essential services. In Missouri, churches face unique risks that require specialized...
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