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Tips & Guides
Insurance tips, checklists, and how-to guides


You Don't Need More Insurance. You Need the Right People.
Affluent families and business owners rarely need more disconnected policies. Learn how the right insurance advisor can coordinate complex assets, prevent gaps, simplify billing, and guide claims.
Scott Johanek
Jul 167 min read
Turo and Insurance: What Every Driver and Car Owner Needs to Know Before Using the Platform
Turo has exploded in popularity over the last few years. The idea is simple: everyday people rent their personal vehicles to strangers for a profit, and renters get access to a wider variety of cars than they would find at a traditional rental counter. It sounds great until something goes wrong. And in the insurance world, "something going wrong" is exactly what we plan for. Before you list your car on Turo or book a vehicle through the app, you need to understand how insuran
Scott Johanek
Jun 268 min read
Your Kid Started a Business. Here's When They Need Insurance (and What to Ask For).
A practical guide for young entrepreneurs and the parents behind them. There is a moment in every young entrepreneur's journey when things get real. Maybe your son started mowing lawns at fourteen and now has twenty regular customers. Maybe your daughter's pressure washing side hustle just landed a commercial property contract. Maybe they hired a buddy to help, bought a truck, or started quoting five-figure landscaping projects. That moment, the one where the side hustle star
Scott Johanek
Jun 107 min read
Uninsured vs. Underinsured Motorist Coverage: What Every Driver Needs to Know
Most drivers assume their auto insurance will fully protect them after an accident. But what happens when the other driver has no insurance at all, or does not carry enough to cover your medical bills and vehicle damage? That is where uninsured motorist (UM) and underinsured motorist (UIM) coverage step in. These two coverages sound similar, but they protect you in very different situations. What Is Uninsured Motorist (UM) Coverage? Uninsured motorist coverage kicks in when y
Scott Johanek
Jun 94 min read
Independent Insurance Agent vs Captive Agent: Which Is Better for Wisconsin Businesses?
Choosing between an independent insurance agent and a captive agent is one of the first decisions Wisconsin business owners face when shopping for insurance. The difference affects your coverage options, pricing, service experience, and flexibility. This guide breaks down the key differences to help you decide. What Is a Captive Insurance Agent? A captive agent works exclusively for one insurance company. State Farm, Allstate, American Family, and Farmers are examples of carr
Scott Johanek
Jun 83 min read
What Insurance Does My Wisconsin Business Need? A Complete Checklist
Every Wisconsin business needs insurance, but the specific coverages you need depend on your industry, size, employees, and risk profile. This guide walks you through each type of coverage, who needs it, and why it matters. Use this as a checklist to make sure your business is properly protected. Coverage Every Wisconsin Business Needs General Liability Insurance Who needs it: Every business, regardless of size or industry. What it covers: Third-party bodily injury, property
Scott Johanek
Jun 84 min read
Insurance in New Berlin and Wisconsin: Common Questions Answered
Direct answers about personal, home, auto, business, workers compensation, contractor, real estate investor, liability, and boat insurance from MM Insurance Associates in New Berlin, Wisconsin.
Scott Johanek
Jun 87 min read
Why Independent Insurance Agents Save Milwaukee Businesses Money
Discover why Milwaukee businesses save 10-30% on insurance premiums by working with independent agents. Price competition, coverage matching, and claims advocacy explained.
Scott Johanek
Jun 81 min read
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