Brinck Insurance Group, LLC

If you’ve ever loaned your car to a friend or borrowed someone else’s vehicle, you may have wondered what happens if an accident occurs. Would the vehicle owner’s insurance apply — or would the driver’s policy take over?

In most situations, auto insurance follows the vehicle first, not the driver. That means the car's policy is usually the primary source of coverage in the event of an accident. However, that’s not always the case. Swipe for some key details about when the vehicle owner’s policy kicks in and when the driver’s policy is used.

If you’re ever unsure how your coverage applies, want to double-check your policy, or layer on additional auto coverages, we’re always happy to take a look with you. Feel free to give our team a call. We are here to be a resource for you.

Winter is around the corner. Time to prep your garden hoses for hibernation. Check out these ways to prevent a burst hose.

Drain your garden hose for winter Draining your hose after the summer is important. Maintain this vital gardening tool and protect your home’s faucets, spigots, and pipes from freez...

Construction site theft is not a minor inconvenience. Nearly 1,000 pieces of construction equipment are reported stolen every month, with the total annual losses ranging anywhere from $300 million to $1 billion.

Beyond the financial loss, theft and vandalism cause project delays, drive up insurance premiums, and damage your company's reputation with clients and stakeholders, making it crucial to have strategies in place to protect your site.

Swipe through for a practical breakdown of what you can do to protect your site before something goes wrong.

Have questions about how your current coverage protects against theft or would like to talk through adding additional coverages? Do not hesitate to reach out to our team. We are here to protect what you’ve worked so hard to build.

As the days get shorter, deer become much more active and are more likely to cross roadways — especially around dawn and dusk. This increased activity can pose serious risks to drivers, and hitting a deer can be a distressing and upsetting experience.

With that in mind, our team wants to share a few reminders to help keep you and your passengers safe this season and navigate the aftermath of striking a deer. Swipe for more.

If you're not sure what your current policy includes or would like to review your coverage this fall, feel free to reach out. Our team would be happy to answer your questions and help you understand your options.

Have you heard? Our agency offers Liberty Mutual Insurance for you and your family. Contact us today for a customized quote.

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Movember is the leading charity changing the face of men's health. Join us in raising awareness and funds for prostate cancer, testicular cancer, mental health, and su***de prevention.

Movember - Changing the Face of Men's Health | Movember

Halloween is on a Saturday this year, and our team hopes you and yours get up to some bewitching fun over the weekend. Whether you are trick-or-treating, handing out candy at the door, or simply enjoying the excuse to eat candy and curl up with a spooky movie, we hope it’s spellbinding.

As always, if anything comes up this week, do not hesitate to reach out. Our team is here to help.

Have a happy Halloween!

Winter weather is hard on commercial buildings, and two of the most common claims we see this season both come down to preventable wear and tear. Here's what to watch for.

🔹Wind damage: Strong winds can occur during seasonal storms across the country, even in areas that rarely see snow or ice. Loose roofing materials, signs, fencing, and outdoor equipment can all be damaged or become hazards during high winds. Inspecting your property for loose materials and securing outdoor equipment before storms arrive can help prevent costly damage

🔹Frozen pipes: Freezing temperatures put real pressure on unprotected pipes, and even a short, unseasonable cold snap can cause a costly break. Even if you are not regularly at risk of freezes, it is still a good idea to keep your building heated to at least 65°F, even when unoccupied, and insulate exposed pipes.

Taking a few moments to address these concerns today can help prevent costly issues later this season. As always, if you have questions about your commercial coverage this winter, don't hesitate to reach out to our team. We're here to help.

Every construction project carries risk, and the difference between a project that stays on track and one that spirals into delays and cost overruns often comes down to how well those risks were identified and managed before they became problems.

Swipe through for a practical look at the main categories of construction risk, how to assess them, and what you can do to stay ahead of them.

If you have questions about risk management or how your current policy will cover you in the event of a delay or incident, we are here to help. Reach out to our team today, and we can find a time to connect.