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Auto Insurance

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Car Theft Prevention Tips

According to the National Insurance Crime Bureau, over 930,000 vehicles were reported stolen in 2021. With reports continuing to rise across the United States, many people are left wondering what they can do to prevent car break ins. From simple safety tips to devices...

May Is Motorycle Safety Awareness Month

May is Motorcycle Safety Awareness Month. This annual campaign is held each spring by the National Highway Traffic Safety Administration (NHTSA) to promote safe driving and riding practices to reduce the number of fatalities and injuries on the roadways. Motorcyclists...

Drivers, Are You Missing Out on Homeowners Policy Discounts?

Auto and homeowners policies are meant to go together. (If tater hadn’t met tot, what would we have? Just a tater.) If your auto and home policies aren't bundled, you might be missing out on duo discounts — and that can mean missing out on premium savings. Benefits to...

Distracted Driving: Don’t Take the Risk

 Did you know that if you’re driving and engaging in a conversation on your mobile device, you are overfour times more likely to be involved in an accident? Let’s take a look at what constitutes distracted driving,what the consequences are and what you can do to curb...

RLI Personal Umbrella Policy: Coverage for Any Season

According to the National Highway Traffic Safety Administration (NHTSA), the days preceding Thanksgiving kick off a busy – and potentially dangerous – holiday travel season. In addition to just the sheer volume of cars on the road, speeding, distracted driving and...

Risks of Lowering your Auto Coverage

Dropping some of your coverage—like comprehensive or collision—to the lowest legal level can cut your premium, but it could also put you at serious risk. Determining Which Coverage You Need An automobile insurance policy is designed to provide you with a level...

What is Uninsured Motorist Insurance?

Uninsured motorist and underinsured motorist are auto insurance coverages that protect you and your vehicle if you’re involved in a car accident caused by a driver with either no insurance, or too little coverage. Uninsured motorist insurance is valuable protection to...

April Is Distracted Driving Awareness Month

The National Safety Council recognizes April as Distracted Driving Awareness Month. This event is intended to raise awareness about the dangers of distracted driving and encourage motorists like you to minimize potential distractions behind the wheel. Review the...

Safety Tips for Teen Drivers and Their Parents

Handing a teenager their first set of car keys can carry significant risks. In fact, recent research from the Centers for Disease Control and Prevention found that drivers ages 16-19 are more likely to be involved in a motor vehicle crash than any other age group....

Does Homeowners Insurance Cover A/C?

According to HomeAdvisor, the average cost to replace an HVAC unit in the United States is $5,000. With numbers like that, it’s no wonder so many homeowners want to ensure they have the proper coverage in place to protect their homes and families after a loss. Does...

Homeowners Beware: Infestation and Animal Damage Exclusions

Wildlife is a pleasure to experience — but not inside your home. Animals can move into your attic, walls, chimney or other nooks and crannies. Dealing with their waste, unpleasant smells and damage is frustrating (and potentially expensive). Most homeowners insurance...

Safeguard Against Ice Dams

An ice dam is a thick ridge of ice that forms at the edge of a roof. It prevents melting snow from draining off, forcing the melted water to seep underneath shingles. The water can leak into your home, damaging insulation, walls and ceilings. Here are some suggestions...

Insurance Needs for Plumbing Contractors

The work of a plumbing contractor involves installing, maintaining and repairing water systems in residential and commercial structures. This article discusses plumbing contractors’ potential exposures and common types of insurance available to address these possible...

The Risks of Airbnb and Home Sharing

Just a few years ago, taking a trip involved contacting travel agencies, booking hotel rooms and making plans far in advance. Today, however, smartphones and the internet have helped create new sharing services that allow homeowners to connect with travelers and rent...

Homeowners Insurance and the Rising Cost of Construction

Recent findings from the National Association of Home Builders (NAHB) confirmed that household construction costs have surged. This rise in construction costs is directly tied to soaring building material expenses. According to the NAHB, current lumber costs are up...

The Growing Need for Personal Cyber Insurance

The internet has made our lives easier, but it comes with its share of risks. In just one week, you could receive a threatening automated phone call, 200 junk emails, five worrisome text messages and three fake Facebook invites, all trying to bait you into giving up...

Preventing Cyberattacks on Remote Employees

The COVID-19 pandemic has solidified remote work as a new operational standard. Employers should expect this trend to only grow in the future. In fact, many major companies, such as Twitter and Microsoft, have indicated that remote work will be an indefinite option...

Benefits of Cyber Liability Insurance

When cyberattacks like data breaches and hacks occur, they can result in devastating damage. Businesses have to deal with business disruptions, lost revenue and litigation. It is important to remember that no organization is immune to the impact of cyber crime. As a...

Cyber Protection

We are more connected than ever. Cell phones, tablets, laptops, desktops, television and family gaming systems, etc., connect us in ways we never imagined. Criminals know the information accessed by your family is valuable. They can steal passwords, data, money,...

Cyber Security Insurance?

Cyber security insurance protects businesses against targeted attacks and even the occasional misplaced laptop containing confidential material. The best cyber security strategy takes a three-pronged approach: prevent, detect and mitigate risk.  Today’s business...

Building a Culture of Cyber Preparedness

Author: 

Daniel Kaniewski, PhD

October is National Cybersecurity Awareness Month; a month to ensure all Americans are safer and more secure online. At FEMA, we a…

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Liability Insurance & Your Dog

Everyone wants to keep the family dog healthy for years to come, which is why many people purchase pet insurance to their insurance program. This type of coverage will help to cover your dog’s medical bills; however many people are unaware that it does not cover any...

What is Mold and Why is it Dangerous?

Molds are microscopic fungi that live on plant or animal matter. Molds may grow indoors, or outdoors and are part of our natural environment. They play a significant role in the environment by breaking down and digesting organic material. Molds multiply by producing...

Learn the Facts About Flood Insurance

At Thorp & Trainer Insurance, we are committed to helping you safeguard your home or business from loss. Flooding is a great concern in our area and we want to keep you informed on the latest information regarding flood insurance. Please click here to view the...

A New Personal Lines Coverage Challenge: E-Bikes

There is no uniform answer to convey how coverageis provided According to the BBC, a COVID-fueled “bicycle boom” began in 2020, with demand for the classic mode of transportation skyrocketing in response to public transportation anxiety. The two-wheeled manual mode of...

Homeowners Beware: Infestation and Animal Damage Exclusions

Wildlife is a pleasure to experience — but not inside your home. Animals can move into your attic, walls, chimney or other nooks and crannies. Dealing with their waste, unpleasant smells and damage is frustrating (and potentially expensive). Most homeowners insurance...

Safeguard Against Ice Dams

An ice dam is a thick ridge of ice that forms at the edge of a roof. It prevents melting snow from draining off, forcing the melted water to seep underneath shingles. The water can leak into your home, damaging insulation, walls and ceilings. Here are some suggestions...

Diamonds Are a Girl’s Best Friend: Insurance for Valuables

Jewelry is one of the world’s oldest archaeological artifacts, having been used for centuries across cultures to mark social status, store wealth and symbolize personal meaning. In the 21st century, it's common to own designer jewelry collections, engagement and...

RLI Personal Umbrella Policy: Coverage for Any Season

According to the National Highway Traffic Safety Administration (NHTSA), the days preceding Thanksgiving kick off a busy – and potentially dangerous – holiday travel season. In addition to just the sheer volume of cars on the road, speeding, distracted driving and...

Insurance and liability risks in the emerging e-bike market

In 2021, e-bike imports neared 790K (up from 450K in 2020) and this year may set another record. E-bike riders are more than three times more likely to have a collision with a pedestrian than either scooters or traditional bikes. Injuries arising from electric bike...

Philly Cheesesteak Casserole

Ingredients Bisquick mix: a premade baking mix that typically contains flour, baking powder, salt, and other ingredients Milk: for the biscuit layer Egg: to bind the Bisquick layer Ground beef: any lean ground beef Sweet onion: for a mild and slightly sweet flavor...

Easy Zucchini Fritters Recipe

Ingredients Zucchini: Shred 3 medium zucchini or 2 large zucchinis. All-purpose flour: This is what creates the structure for the zucchini fritters. Large eggs: Whisked eggs are added to the ingredients to help bind the ingredients together. They are just one of the...

French Toast Muffins

Ingredients 1 Loaf of Brioche Bread Cubed 6 Eggs 2 Cups of Milk 1 tbsp of Vanilla Extract 3 tbsp of Light Brown Sugar 1 tsp of Cinnamon 1/2 tsp of Salt maple syrup (optional) Toppings 4 tbsp of Brown Sugar 2 tbsp of Granulated Sugar 2 tbsp of Cold Butter 1/2 tbsp of...

Chicken Chimichangas with Sour Cream Sauce

Ingredients Chicken filling: 2 large skinless, boneless chicken breast halves 3 cups water 1 tablespoon chili powder ½ teaspoon salt ½ teaspoon ground cumin ¼ teaspoon ground black pepper ¼ teaspoon garlic powder ¼ teaspoon onion powder ⅛ teaspoon cayenne pepper 1 (7...

Best-Ever Cheese Straws

Ingredients 2 oz. finely grated sharp cheddar 1 tsp. all-purpose flour 2 tbsp. finely chopped green onions 2 tbsp. sesame seeds 1 (17.3-oz.) package puff pastry dough, divided into 2 sheets 1 large egg, whisked until frothy Directions Step 1 Preheat oven to 425°. Mix...

Mac & Cheese Pizza Bites

Ingredients 22 slices large pepperoni, divided 4 tbsp. butter 4 tbsp. all-purpose flour 1 1/4 c. milk 1/2 c. heavy cream 1 tsp. garlic powder 1 tsp. dried oregano Kosher salt Freshly ground black pepper 2 c. shredded mozzarella 3/4 c. freshly grated Parmesan, divided ...

No-Bake Peanut Butter Cookies

Ingredients 3 cups white sugar ¾ cup butter ¾ cup milk 1 ½ cups peanut butter ½ teaspoon vanilla extract 4 ½ cups quick-cooking oats Directions Combine sugar, butter, and milk in a saucepan over medium heat. Bring to a rapid boil and boil for 1 minute. Remove from...

Lemon-Raspberry Trifle

Ingredients Simple Syrup: ¾ cup water 1 cup white sugar ¼ cup lemon juice 1 large lemon, zested Trifle: 3 (6 ounce) containers fresh raspberries 1 (8 ounce) container frozen whipped topping (such as Cool Whip®), thawed 4 tablespoons lemon curd 4 cups prepared vanilla...

Parmesan Cauliflower Bites

Ingredients 1 1/2 c.panko bread crumbs (or regular bread crumbs) 1/2 c.finely grated Parmesan 1/2 tsp.dried Italian seasoning Kosher salt Freshly ground black pepper 1 head cauliflower, cut into florets 3large eggs, lightly whisked Marinara, for serving Directions...

Slow-Cooker Shrimp & Crab Bisque

Ingredients For the Bisque: 1 tablespoon olive oil 2 tablespoons butter 2 leeks, white and light green parts only, washed well and chopped 4 garlic cloves, minced 1/2 teaspoon red pepper flakes (can add more, to taste) 2 tablespoons tomato paste 1 cup dry sherry or...

Does Homeowners Insurance Cover A/C?

According to HomeAdvisor, the average cost to replace an HVAC unit in the United States is $5,000. With numbers like that, it’s no wonder so many homeowners want to ensure they have the proper coverage in place to protect their homes and families after a loss. Does...

Car Theft Prevention Tips

According to the National Insurance Crime Bureau, over 930,000 vehicles were reported stolen in 2021. With reports continuing to rise across the United States, many people are left wondering what they can do to prevent car break ins. From simple safety tips to devices...

Liability Insurance & Your Dog

Everyone wants to keep the family dog healthy for years to come, which is why many people purchase pet insurance to their insurance program. This type of coverage will help to cover your dog’s medical bills; however many people are unaware that it does not cover any...

What is Mold and Why is it Dangerous?

Molds are microscopic fungi that live on plant or animal matter. Molds may grow indoors, or outdoors and are part of our natural environment. They play a significant role in the environment by breaking down and digesting organic material. Molds multiply by producing...

Homeowners Beware: Infestation and Animal Damage Exclusions

Wildlife is a pleasure to experience — but not inside your home. Animals can move into your attic, walls, chimney or other nooks and crannies. Dealing with their waste, unpleasant smells and damage is frustrating (and potentially expensive). Most homeowners insurance...

Safeguard Against Ice Dams

An ice dam is a thick ridge of ice that forms at the edge of a roof. It prevents melting snow from draining off, forcing the melted water to seep underneath shingles. The water can leak into your home, damaging insulation, walls and ceilings. Here are some suggestions...

8 Ways to Support Small Businesses

Small businesses are the backbone and heart of many towns and cities across the country. It is said they are the foundation of our economy and leaders in innovation. At Main Street America, we agree and are vested in their success. Afterall, we got our start as a...

A Tribute to Neil Thorp

As President of Thorp & Trainer Insurance Agency, I want to let you know about the passing of my father, Neil Thorp, our Chairman and past President.   As his son, I know how much Thorp & Trainer has meant to our family for generations, and while my father had...

Our Shred Day Was Another Great Success!

Thanks to everyone who attended our Annual Shred Day on Saturday, September 24th. Thorp & Trainer hosts this event to protect members of our community from identity theft and this year we shredded 6,560 lbs. of vital documents!  This event helps to highlight the...