Intentional Insurance: 10 Essential Policies You Should Consider

Intentional Insurance: 10 Essential Policies You Should Consider

Navigating the world of insurance can often seem like a daunting task, with a myriad of options and policies to choose from. Whether you’re just starting out or looking to update your coverage, understanding the essentials when it comes to insurance is key to ensuring you and your loved ones are protected. From safeguarding your health to protecting your home and even your pets, let’s dive into the top 10 essential insurance policies you should consider. 

1. Health Insurance

Embarking on the journey to select the right health insurance can feel overwhelming, yet it’s undeniably one of the most critical decisions you’ll make. In today’s ever-evolving healthcare landscape, securing a health insurance policy that not only fits your budget but also provides comprehensive coverage is paramount. From routine preventative measures to unexpected medical emergencies, a well-chosen health insurance plan acts as your financial safeguard, ensuring that both minor and significant health concerns are addressed without placing undue stress on your finances. It’s about finding that sweet spot where affordability meets necessity, enabling you to navigate your healthcare journey with confidence and peace of mind. Remember, investing in health insurance is not just a financial decision; it’s a commitment to maintaining your well-being and securing your future against unforeseeable health challenges.

2. Life Insurance

Life insurance is like a promise to your loved ones that you’ve got their back, even when you’re no longer around. It’s about offering them a financial cushion, easing the burden of expenses like funeral costs, settling debts, and ensuring they have the means to maintain their lifestyle. Choosing between term life and whole life insurance is akin to selecting the path that best aligns with your journey – whether you’re looking for coverage for a set period or seeking something that accumulates cash value over time. It’s about assessing your unique situation, from your family structure to your financial goals, and deciding how you can best contribute to your family’s security and future prosperity. Life insurance isn’t just a policy; it’s a thoughtful decision to protect and provide for those you care about the most.

3. Homeowners Insurance

Owning a home is more than just a significant investment; it’s the centerpiece of your family’s life and memories. Homeowners insurance steps in as your financial guardian, ensuring that both the structure of your home and the possessions within are safeguarded against unforeseen events such as fires, theft, and natural disasters. Not only does it cover repair or replacement costs, but it also extends to liability coverage, which is invaluable if someone were to be injured on your property. Given the unpredictability of weather and other risks, it’s wise to review your policy details carefully, making sure it aligns with your specific needs—especially if you reside in areas prone to certain hazards. 

4. Auto Insurance

Navigating the roads of life, auto insurance acts as your indispensable co-pilot, offering protection against the unpredictable. It’s not just about adhering to legal requirements in NC; it’s about ensuring your journey is safeguarded everywhere—from minor fender benders to more severe collisions. Good auto coverage extends beyond the immediate aftermath, addressing property damage and personal injury liability, which could save you from significant financial distress. Tailoring your auto insurance to encompass collision, comprehensive, and liability ensures that you’re equipped for the road ahead, whatever it may bring. With a variety of options at your fingertips, crafting a policy that mirrors your driving habits and vehicle value means you’re not just prepared—you’re protected. 

5. Renters Insurance

Diving into the realm of renting, many individuals may not realize the significant value renters insurance brings to the table. This type of insurance is a beacon of protection for your personal property, standing guard against perils such as theft, fire, or even water damage. Beyond safeguarding your belongings, it offers an invaluable shield if someone is injured within your rental space. Opting for renters insurance is a smart, cost-effective strategy to ensure that your personal items are protected without the hefty price tag. It fills the gap left by your landlord’s policy, ensuring that your personal treasures and liability needs are covered. Whether you’re nestled in a cozy studio or a sprawling apartment, embracing renters insurance is a pivotal step in securing your personal sanctuary and peace of mind.

6. Disability Insurance

In the tapestry of life, unforeseen circumstances can alter the course of our journey, sometimes in the form of a disability that could sideline us from our professional endeavors. Disability insurance emerges as a potential help, offering a financial safety net that covers a significant portion of your income when you’re unable to work. It’s the unsung hero that enables you to maintain your standard of living, manage your bills, and provide for your family despite the hurdles life may throw your way. The beauty of disability insurance lies in its ability to adapt to your unique needs, offering both short-term and long-term coverage options based on the nature of your disability and your financial requirements. It’s a testament to the idea that while we can’t predict the future, we can certainly prepare for it, ensuring that we remain resilient in the face of adversity.

7. Long-term Care Insurance

Embarking on the path of aging gracefully means considering the avenues that allow us to maintain autonomy and quality of life in our later years. Long-term care insurance is a pivotal piece of this puzzle, offering a financial safety net that can significantly alleviate the cost of care services, be they in your own home or a specialized facility. With the expenses associated with long-term care often being substantial and not typically covered by traditional health insurance, this type of policy stands as a bulwark to protect your savings and ensure you have the freedom to choose the level of care that suits your needs and preferences best. Exploring long-term care insurance options is a proactive step toward securing your independence and preserving your financial health, allowing you to face the future with confidence and ease. 

8. Business Insurance

Embarking on the entrepreneurial journey comes with its share of risks and challenges. Business insurance serves as the armor to protect your entrepreneurial dreams against unforeseen mishaps. From safeguarding your physical assets against damage to covering potential liability claims, the right insurance plan can be the difference between a setback and a catastrophe. Whether you’re a fledgling startup or a seasoned enterprise, customizing your coverage to fit your business’s unique landscape is essential. This not only ensures that your operations can weather storms but also secures your employees’ well-being, the lifeblood of your business. Moreover, in the dynamic landscape of commerce, where disruptions can come from any angle, business insurance offers you the confidence to innovate and grow, knowing the fruits of your labor are protected. 

9. Umbrella Insurance

Umbrella insurance acts as an extra layer of protection, wrapping another blanket of coverage around your existing policies. Umbrella (or Gap insurance) steps in like a trusty backup, ready to handle the overflow when the limits of your primary insurance policies are reached, ensuring that significant legal fees, damages, or claims that surpass your basic coverage don’t jeopardize your financial security. It’s the peace of mind that comes from knowing you’re prepared for even the most unexpected, high-stake scenarios. By choosing to add umbrella insurance to your safety net, you’re not just covering your assets—you’re ensuring that, come what may, your lifestyle and savings are shielded against the storms of life’s uncertainties.

10. Pet Insurance

Navigating the health needs of our furry family members, pet insurance emerges as a crucial ally. As anyone who’s faced unexpected vet visits knows, the costs can escalate quickly, turning a stressful situation into a financial burden as well. Pet insurance steps in to alleviate this stress, offering various coverage plans tailored to your pet’s specific needs—from emergency surgeries to chronic illnesses and even preventative care. It’s about creating a safety net that ensures your pets receive the best possible care without compromising your financial well-being. Choosing the right plan involves weighing factors like coverage limits, deductibles, and exclusions, but ultimately, it equips you to manage healthcare costs for your pets more predictably. By investing in pet insurance, you’re not just planning for the what-ifs; you’re ensuring a happier, healthier life for your beloved companions, keeping their tails wagging and purrs going strong. And this doesn’t just go for those home-bound furry friends—you should look to insure your equine buddies, as well. 


Embarking on the journey to fully protect yourself, your loved ones, and your assets with insurance is a significant but rewarding endeavor. In navigating the vast landscape of insurance coverage in Western North Carolina, it’s essential to carefully consider which policies best suit your unique situation and needs. Consulting with an insurance broker can help you navigate the process and find the right balance between comprehensive coverage and managing the costs associated with adding riders. At Penny Insurance, we’re happy to work with you to find the best options for you.  Remember, the goal is to protect your most valuable asset and gain the peace of mind that comes with knowing you’re adequately covered.

Key Factors to Consider When Selecting an Insurance Broker

When it comes to finding the right insurance for your needs, it can be overwhelming to navigate through all the options and policies available. That’s where an insurance broker comes in—a trained professional who can help you assess your needs and find the best coverage for your specific situation. 

However, not all insurance brokers are created equal, and it’s important to carefully consider your options before choosing one. From experience to expertise, there are key factors you should keep in mind when selecting an insurance broker that will help you make an informed decision and find the right insurance broker for your needs. 

Why is having an Insurance Broker important? 

Insurance is an essential aspect of protecting your assets and managing risk. So whether you rent or own, have one car or a boat, it’s important to have the right insurance coverage for your property. 

Having an insurance broker is important because they have access to a wide range of insurance companies and policies, and can help you find the coverage that best fits your needs and budget. With their expertise, they can explain the details of different policies to help you make informed decisions and assist you in identifying any gaps in your current coverage. 

Overall, having an insurance broker is crucial to ensuring you have the right coverage for your specific needs. They can save you time and stress by doing the research and comparison shopping for you, ultimately providing you with peace of mind knowing that your valuable assets are protected.

What Should I Look For in an Insurance Agent? 

When selecting an insurance agent, there are several key factors you should think about. In addition to their reputation, there are a few other areas to consider. 

Knowledge of Insurance Policy Options 

When selecting an insurance broker, it’s crucial to consider their knowledge of insurance policy options. You want to work with someone who is well-versed in the various policies available and can provide you with options that best meet your needs as an upscale homeowner. 

An insurance broker with a strong understanding of policy options will be able to guide you through the complexities of insurance coverage. They will take the time to explain different policy types, such as replacement cost versus actual cash value, and help you understand which option is most suitable for your valuable assets. 

Quality of Customer Service 

You deserve exceptional support and attention from your insurance agent. Look for an agent who is responsive and attentive to your needs, going above and beyond to provide the best service possible. 

A broker with quality customer service will be there to answer your questions and address any concerns you may have, but they will also be proactive in reaching out to you regularly to review your policies and ensure they are up to date. Then, if you ever need to file a claim, a broker with good customer service will guide you through the process and advocate on your behalf. 

The best way to gauge the quality of customer service is to read reviews and testimonials from other clients. Look for brokers who are known for their personalized and attentive approach to client care. With an insurance broker who prioritizes exceptional customer service, you can trust that your needs as an upscale homeowner will be met with the utmost care and professionalism. 

Reputation and Reliability 

When selecting an insurance broker, you want to work with a broker who has a solid track record of providing excellent service and reliable coverage to their clients. Look for an insurance broker with a strong reputation in the industry and positive reviews from satisfied customers. A reputable insurance broker will have a history of fulfilling their promises and delivering on their commitments, as well as handling claims efficiently and effectively, ensuring their clients receive the support they need in times of crisis. 

Reliability is also crucial when it comes to insurance brokers. You want an agent who you can rely on to be there for you throughout your insurance journey. They should be responsive to your inquiries and proactive in keeping your policies up to date. 

Comprehensive Policy Options 

A knowledgeable insurance broker will have access to a wide range of insurance companies and policies, allowing them to explore different options and tailor coverage to your specific needs. They will take the time to understand the unique risks associated with your needs and your assets, ensuring that all aspects are adequately protected. By working with an insurance broker who offers a variety of comprehensive policy options, you can have peace of mind knowing that all of your valuable assets are protected. 

If you’re ready to find the right insurance agency for all your needs, contact us at Penny Insurance to set up a free consultation. Our knowledgeable brokers will guide you through the process and help you find the coverage that best meets your needs—as well as solutions and ideas for your life ahead.

Extra Home Protection: Understanding Insurance Riders

As a homeowner, protecting your most valuable asset is of utmost importance, which is why
having a comprehensive insurance policy is essential. However, standard policies may not
always provide sufficient coverage for certain situations.

That’s where home insurance riders come in. In this blog post, we’ll discuss the different types
of home insurance riders and why homeowners should consider adding them to their policies.

What Exactly Are Home Insurance Riders?

Home insurance riders, also known as endorsements or floaters, are additional coverage
options that homeowners can add to their standard insurance policies. While a standard
homeowner insurance policy provides coverage for the structure of your home and personal
belongings, it may not include certain types of risks or high-value items. That’s where riders
come in.

These riders allow you to customize your coverage and protect against specific risks that may
not be covered under your standard policy. For example, if you live in an area prone to natural
disasters such as hurricanes or earthquakes, you can add a rider to ensure that your home is
protected in the event of such an situation. Additionally, if you own expensive jewelry, artwork,
or other valuable possessions, you can add a rider to ensure that these items are adequately
covered in the event of loss or damage.

By adding riders to your policy, you can tailor your coverage to meet your specific needs and
give yourself peace of mind. However, it’s important to note that riders often come at an
additional cost, with the price of the rider depending on factors such as the level of coverage
and the specific risk being covered.

Commonly Used Home Insurance Riders

When it comes to home insurance riders, there are several commonly used options that
homeowners should be aware of. These riders provide additional coverage for specific risks or
high-value items that may not be fully protected under a standard policy.

One commonly used rider is the flood insurance rider, which provides coverage for flood-related
damages to your home. This is important for homeowners who live in flood-prone areas or near
bodies of water. Another commonly used rider is the earthquake insurance rider, which covers
damages caused by earthquakes, for homeowners in earthquake-prone regions.

For homeowners with expensive jewelry, artwork, or antiques, the valuable items rider is
essential. It ensures that these high-value possessions are adequately covered in the event of
loss or damage. Another common rider is the home business rider, which provides liability
coverage for homeowners who operate a business from their residence.

Finally, pet liability insurance riders are important for homeowners with certain breeds of dogs
that may be considered high risk. This coverage protects against any liability claims if your pet
causes injury to someone on your property.

These are just a few examples of commonly used home insurance riders. To determine if you
have any coverage gaps that might need “filled in,” It’s important to review your policy and
assess your specific needs to determine which riders are necessary.

Next Steps

In today’s unpredictable world, protecting your home and assets is more important than ever.
Home insurance riders provide an extra layer of protection, allowing you to customize your
coverage to meet your unique needs. By adding these riders to your policy, you can have peace
of mind knowing that you have comprehensive coverage for your most valuable assets.
While it’s important to evaluate your specific needs and circumstances when deciding on the
right riders, it’s also crucial to consider the potential costs. Adding riders to your policy may
come with an additional expense, but the benefits far outweigh the price, since without proper
coverage, you could be left responsible for significant costs in the event of a covered incident.
Consulting with an insurance broker can help you navigate the process and find the right
balance between comprehensive coverage and managing the costs associated with adding
riders. At Penny Insurance, we’re happy to work with you to find the best options for you.

Remember, the goal is to protect your most valuable asset and gain the peace of mind that
comes with knowing you’re adequately covered.

Get Ready for Winter: Tips and Tricks for Winter Damage Prevention

How to get your home ready for winter weather

As the temperatures start to drop and the cold weather sets in, it’s time to start thinking about winterizing your house. Harsh winter weather can cause significant damage to your home if you’re not prepared, leading to costly repairs and potential insurance claims. But don’t worry, we’ve got you covered with our top tips and tricks for preventing winter damage to your home. From preparing your pipes to protecting your roof, read on to learn how to winterize your house and avoid any unexpected winter damage.

Understanding the Risks: Potential Winter Hazards for Your Home

Winter brings its fair share of hazards that can pose a threat to your home, but knowing what could happen is half the battle.

One major concern is the potential for frozen pipes. When the temperature drops, the water inside your pipes can freeze and expand, causing them to burst, and resulting in costly repairs and water damage to your home. 

Another risk to be aware of is ice dams forming on your roof. As snow melts and refreezes, it can create a barrier of ice that prevents proper drainage, leading to water seeping into your home. This, or even heavy snowfall, can put strain on your roof, causing it to collapse if it has not been properly maintained. 

No matter where you live or what type of house you inhabit, It’s important to be aware of these potential hazards so you can take proactive measures to prevent them from causing damage to your home this winter. 

Preparing for Cold Weather: Simple Measures to Winterize Your Home

Should you choose to, it’s easy to take some simple measures to winterize your home and protect it from potential damage. Here are a few quick tips that don’t take a lot of time, but can have a big impact. 

Make sure your heating system is working properly. 

Schedule a professional inspection to ensure it’s in good condition and replace any worn-out parts. 

Clean your gutters. 

Making sure your gutters  and downspouts are clear ensures proper water drainage, and hopefully keeps your roof ice-free

Trim the trees.

No, not the Christmas trees; cut back any tree branches that are close to your house, as they can potentially fall and cause damage during winter storms.

Save in the Long Run: Energy-Efficient Tips for Winter

In addition to threats of bad weather, winter can also be a time when your energy bills skyrocket…but it doesn’t have to be that way! By implementing some energy-efficient tips, you can save money in the long run and keep your home cozy and warm during the cold winter months.

Turn down the heat.

One of the simplest ways to save on energy costs is to adjust your thermostat. Lowering it by just a few degrees can make a significant difference. Invest in a programmable thermostat to automatically adjust the temperature when you’re away or sleeping.

Heat with the real solar power. 

Don’t cover up those windows all day; utilize natural sunlight. During the day, open your curtains or blinds to let in the warmth from the sun. Once the sun sets, close them to trap the heat inside.

Check your insulation. 

Proper insulation will not only keep your home warmer, but it can also save you money on energy bills. Too, make sure you seal any gaps or cracks in windows and doors to prevent drafts, and consider installing weatherstripping on doors and windows to keep the cold air out and the warm air in. 

Upgrade your home. 

Lastly, consider upgrading to energy-efficient appliances and light bulbs. Appliances with the Energy Star label are designed to use less energy, while LED bulbs are long-lasting and consume less electricity.

If Something Happens: When and How to File an Insurance Claim

If something does happen despite your best efforts, knowing when and how to file an insurance claim is important. Start by contacting your insurance company to report the damage and find out what steps you need to take; they can guide you through the claims process and provide you with the necessary forms to fill out. Be prepared to provide documentation, such as photos and receipts, to support your claim, as well as any expenses you incur as a result of the damage, such as temporary accommodations or repairs. 

Finally, remember to read your policy carefully and understand what is covered and what is not. If that feels overwhelming, get your broker to walk you through the terms and conditions of your policies. And if you need a new agent—or just someone who will walk you through options as you get ready for winter—please give us a call at Penny Insurance. We’d love to help you protect all your assets in the new year.

Don’t Let the Flu Bug You: Coverage and Prevention for Cool-Weather Illness

How to stay healthy in cooler months.

As the temperatures drop and the leaves begin to change, we are reminded that flu season is upon us. While this time of year is known for cozy sweaters, hot apple cider, and pumpkin spice everything, it is also a prime time for flu and cold viruses to spread. As an insurance brokerage in Western North Carolina, we want to ensure that our clients stay healthy and protected during this busy time of year, so here are some tips for staying healthy and preventing the flu from “bugging” you.

Keeping Your Immune System in Peak Condition

During flu season, it is essential to keep your immune system in peak condition to ward off any potential illness. While health insurance can provide coverage for medical expenses if you do fall ill, taking proactive measures to maintain good health is always preferable. Here are some tips to help boost your immune system and stay healthy during the flu season.

1. Eat a Balanced Diet.

A nutritious diet plays a crucial role in supporting your immune system. Include plenty of fruits, vegetables, whole grains, and lean proteins in your meals. These foods are rich in vitamins, minerals, and antioxidants that can strengthen your immune response.

2. Stay Hydrated.

Drinking enough water is vital for overall health and immunity. Water helps to flush out toxins from your body and keeps your mucous membranes moist, which is essential for preventing the entry of viruses and bacteria.

3. Get Enough Sleep.

Adequate sleep is essential for maintaining a strong immune system. While you sleep, your body repairs and regenerates cells, including those involved in immune response. Aim for 7-9 hours of quality sleep each night to keep your immune system functioning optimally.

4. Exercise Regularly.

Engaging in regular physical activity has numerous benefits, including strengthening your immune system. Exercise helps to increase circulation, promote the production of immune cells, and reduce the risk of chronic diseases that can weaken your immune response.

5. Practice Good Hygiene.

Washing your hands frequently with soap and water is one of the simplest yet most effective ways to prevent the spread of germs. Avoid touching your face, especially your eyes, nose, and mouth, as this is a common route for germs to enter your body.

6. Manage Stress.

High levels of stress can weaken your immune system, making you more susceptible to illness. Take steps to manage stress, such as practicing relaxation techniques, engaging in hobbies you enjoy, and seeking support from loved ones.

By incorporating these habits into your daily routine, you can help to strengthen your immune system and reduce your risk of falling ill during the flu season. Remember, prevention is always better than cure.

Understanding Health Insurance Coverage During Flu Season

If the bugs do catch up with you, it’s important to have some sort of coverage in place for ]medical expenses related to getting sick. Not only is it required by law, but it will help you ensure that you receive the necessary care without breaking the bank. 

When it comes to health insurance coverage during flu season, there are a few key factors to consider. Firstly, it’s important to know what your health insurance plan covers in terms of flu-related expenses like doctor’s visits, flu shots, antiviral medications, and even hospitalization if necessary. Some insurance policies also provide benefits such as telemedicine services, allowing you to consult with a healthcare provider remotely, which can be especially convenient during flu season when you may not want to venture out and risk spreading the virus. 

Fortunately, many health insurance plans offer coverage for flu shots, which are recommended for everyone aged six months and older. Getting a flu shot not only helps protect you from the flu but also reduces the overall spread of the virus within the community.

Finding Your Best Option

When it comes to choosing the best healthy insurance policies for your family, there is no one-size-fits-all solution. Each family has unique needs and circumstances, which is why it’s important to carefully evaluate your options with thorough research and consideration.

At Penny Insurance, our experienced brokers can they provide guidance and walk you through your options, but they can answer any questions you may have, and help you find the best option. Give us a call today if we can help you stay well this fall and winter season. 

The Cyber Security Blueprint for Small Business Owners

The Cyber Security Blueprint for Small Business Owners

As a small business owner, you understand the risks associated with operating a business—you took them on when you decided to go out on your own. But while you may have considered theft or even liabilities within your office space, the threat of cyber attacks is a real one that is often overlooked. 

Fortunately, there are steps you can take to protect your business from these malicious threats. While having the right business insurance in place is a critical part of this process, there are other preventative measures to consider as well that will help you shield your business from potential cyber attacks.

Understanding the Threat of Cyberattacks

Sadly but unexpectedly, cyberattacks are becoming increasingly prevalent in today’s digital age, posing significant risks to small businesses. Criminals are constantly evolving their tactics and techniques to exploit vulnerabilities in business systems, and often break in using common techniques like malware, phishing scams, ransomware, and social engineering. Unfortunately, these attacks can lead to huge problems—including data breaches, financial losses, and damage to your business’s reputation.

It’s essential to recognize that no business is immune to cyber threats—even small businesses are often targeted due to their limited resources and lack of robust cybersecurity measures. 

Best Practice Basics for Preventing Cyberattacks

Cybersecurity is an ongoing battle, but there are best practices you can implement to prevent cyberattacks and safeguard your small business. 

1. Build Strong Passwords. 

First and foremost, it’s crucial to develop a strong password policy. Encourage your employees to create unique, complex passwords and change them regularly. Consider offering your team a password manager to securely store and manage all your passwords.

2. Use Multi-Factor Authenication. 

Another essential practice is to implement multi-factor authentication (MFA). This adds an extra layer of security by requiring users to provide two or more forms of identification before gaining access to sensitive information or systems. By utilizing MFA, you significantly reduce the risk of unauthorized access to your business data.

3. Back up Data. 

Regularly backing up your data is also critical. This ensures that even if your systems are compromised, you can restore your information from a secure backup. Store these backups offline or in a secure cloud environment to prevent them from being compromised in the event of an attack.

4. Always do the Update.

Additionally, it’s important to keep all software and applications up-to-date. Software updates often include patches for vulnerabilities, so regularly installing these updates is crucial to maintaining a secure system

5. Focus on Education. 

Lastly, educate your employees about cybersecurity best practices through regular training sessions. This includes raising awareness about phishing scams, social engineering techniques, and the importance of not clicking on suspicious links or downloading attachments from unknown sources.

By following these best practices, you can significantly reduce the risk of cyberattacks and protect your small business from potential damage. Remember, cybersecurity is an ongoing process, so staying informed and proactive is key to ensuring the safety of your business in today’s digital landscape.

Using Cyber Insurance to Protect Your Business

While implementing strong cybersecurity measures among your team is crucial, having the right insurance coverage is equally important to fully protect yourself from digital crime. Cyber insurance plays a vital role in protecting your business from the financial losses that can result from a cyberattack, by providing coverage for various expenses associated with a cyber incident, such as forensic investigations, data recovery, legal fees, public relations efforts, and even potential lawsuits from affected customers. In the unfortunate event of a cyberattack, these expenses can quickly add up and have a severe impact on your business’s bottom line. 

Having cyber insurance gives you the peace of mind that, in the face of a cyber incident, your business has financial protection, and helps you recover more quickly from the financial burden associated with recovering from a cyberattack. Additionally, cyber insurance often includes coverage for cyber extortion, where cybercriminals hold your data hostage or threaten to release it unless a ransom is paid. This coverage can be crucial in navigating such situations and protecting your business from significant financial losses.

It’s essential to consult with an experienced insurance agent who specializes in cyber insurance to ensure that you have the right coverage for your business’s specific needs. At Penny Insurance, our experienced brokers have the experitnce to help you understand the scope of coverage and assist in tailoring a policy that aligns with your risk profile and budget. And getting started is simple: just reach out to us to set up a free consultation with our team.