In our never-ending effort to offer the best in exceptional service and great companies to protect you, and your family, we want to share some great news!
As of September 1st, The Butler Company, Inc. has merged with Bush Insurance and Financial Services, Inc. This includes the staff you are accustomed to working with plus the great Team at Bush Insurance. Rest assured we are still here to serve you.
You now have access to more of the leading insurance companies in the U.S. This means you have more choices in insurance protection, more choice in pricing, plus you have more agent specialists to make sure you get the best insurance value for your dollar.
Chester Butler, CIC, CPIA, will remain with the agency and Brad Butler, CIC, CPIA will join the Team as Assistant Vice President. We are excited about this merger because of the great resources and increased market strength it will provide to you, our valued customers.
Your new Insurance Team includes:
- Two members of the Tennessee Insurance Hall of Fame
- Four Tennessee Agents of the Year designees
- Four Past Presidents of the Tennessee Professional Insurance Agents Association.
- One National Agent of the Year, elected by the National Professional Insurance Agents Association.
- One Tennessee Legislature Proclamation Honoree for excellence in the insurance industry.
- Your new Team of insurance agents have a total of 270 years of experience!
We welcome you to our new Team! Please do not hesitate to contact us at our new location. We now can offer you all types of insurance, such as home, auto, boat, RV, motorcycle, business, bonds, life, group health, and financial services. This is one stop shopping to make your life easier.
Most importantly, thank you for your business!
www.BushIns.com & www.InsuranceButler.com
Keeping your home secure is one of the most important ways to prevent claims. A secure home is also an important way to keep your homeowners insurance premiums reasonable. The problem is when I say, "secure" most Tennessee homeowners think that I am referring to burglar alarms and smoke detectors. And those things are very important, but there are other serious perils that cause homeowners problems.
One of the most common type of personal insurance claims is the homeowners water damage claim. Many Tennessee homeowners has been shocked to learn that a standard homowners policy is denied to them because of a water damage claim.
Why do insurance companies run from even small claims due to water intrusion? There are three reasons:
- Many water damage claims are due to a failure to properly maintain the home. This may indicate more claims are in the future.
- Water damage claims tend to be larger claims. For example,water can do a lot of damage to expensive electronics which are common in homes today. That drives up the cost of the claim.
- Many water damage claims are easily prevented by a vigilant homeowner. Insurance companies do not want to insure families that do not address small leaks or small sources of water intrusion before they become more serious water issues.
The good news is that most water instrusion homeowner claims are inexpensively prevented.
I do not usually republish articles from other sources. I am making a exception because the International Risk Management Institute has done a good job of pointing out the things homeowners can do to eliminate water intrusion and prevent claims.
You may not be familiar with the Institute, but I have been a fan for years. I use them for insurance research frequently. Here are their tips on keeping your home water tight and avoiding water damage to your home. Avoiding small water damage claims will help keep your homeowners insurance premiums reasonable.
This Month's Tip
Keep Your Home in Tip-Top Condition
Many consumers have faced rapidly escalating insurance premiums on their homeowners insurance during the past few years. In some cases, consumers have experienced difficulty in procuring homeowners insurance, particularly people with several claims. However, consumers can take numerous measures to lessen the possibility of future losses, resulting in more readily available insurance down the road and more affordable premiums.
The following tips offer ways of saving premium dollars and reducing losses on your homeowners policy.
Replace washing machine hoses when they show signs of deterioration. Consider replacing them with stainless steel hoses, for which your insurer may provide you a discount. The hoses should also not rub against the wall. In addition, turn off the washing machine water faucet when the appliance is not in use to prevent leaks.
If you experience a water leak, make sure it is properly repaired and promptly remediated, which can include the removal and replacement of building materials such as sheetrock. For larger water leaks, a professional who specializes in remediation should be called in. These measures will reduce the possibility of hazardous and expensive mold losses down the road.
Consider an automatic water shut-off system for your home. This type of system has sensors that detect water leaks. These sensors then send a wireless signal that interacts with the shut-off valve to turn off the water to the home. Some insurers give homeowners insurance discounts for systems like this.
Maintain your roof in optimal condition. A quality roof inspection on a periodic basis can identify sections that need repair and thus prevent water losses. Roofing materials containing high wind resistance features should be considered in windstorm-prone areas.
Get more personal lines insurance and risk management tips and ideas from IRMI.
International Risk Management Institute, Inc.
Special note: This post does not address water damage caused from flood damage. A separate flood insurance policy is needed to cover losses due to flood. Get your free Buyers Guide to Flood Insurance.
As always, Stefanie is available to help you keep you personal insurance coverages and premiums tailored to your family's needs. You may reach her by phone at 615-690-8859 or by email at Stefanie@insurancebutler.com.
Are you trying to plan your next move for 2013? You are not alone. Although things have improved confidence is not 100%.
As you plan, keep in mind there are three things you can do with the business risks you face:
- You can avoid the risk. Just don't do it.
- You can decide to retain the risk. You may decide the reward is worth the risk.
- Or you can transfer the risk. You can do this contractually or by using insurance products.
I hope you find this infographic helpful.I rarely post an infographic link but this one is very good. It is a result of a survey by an insurance company but it reflects what I hear daily from small businesses. So if you are a small business owner, this link is for you! See what other business owners say about 2013 and what they expect for the rest of the year.
If you find infographics of this sort helpful, please let us know and comment below. Or if you feel the need for speed, hit me with an email at email@example.com.
We hope our Blog and social media sites give you good insurance information.
We realize insurance is not something you think about every day. Insurance is a complex product. That is why we require our staff to exceed the State standards for continuing education and require certain insurance designations. Being an informed insurance consumer enables you to be a better buyer.
So we have created six social media sites, a monthly newsletter, and this blog, to provide you with valuable information. Each little Tweet, each little post, gives you a quick tidbit of insurance information. We invite you to visit out sites and subscribe to our feeds.
We promise not to overload you with spam. We hate spam and know you do too. You can unsubscribe at any time. Here is our publication schedule so you will know exactly when we publish
We have contests on our sites!
- Newsletters: Once per month.
- Blogs: Every Thursday.
- Tweets: Monday-Wednesday and Friday.
- Facebook: Each time we have a tweet or blog it is published on Facebook.
- YouTube: Approximately four to six times per year.
- Google+: Periodically, approximately twice per month.
- Pinterest: Periodically, approximately once per month.
That’s right, contests in which you can earn CASH! At Halloween, we give away free zombie apocalypse insurance policies. We mix in contests and fun facts to brighten your day.We love our customers!
These sites are for you. We want you to be the smartest insurance consumers around. So subscribe to one or more of our sites. We promise you won’t regret it!
We have had our share of bad weather this year.
Hail and high winds caused damage to the roofs of many homes and businesses, including our offices at The Butler Company. Many of those claims were legitimate claims. However, many of them were not. After storms, predators swarm, driving trucks that literally say, “Free Roof” on the side of the vehicle. Perhaps you have had someone knock on your door and say, “Did you know you have some roof damage? We can fix this for you and we’ll pay your insurance deductible so it won’t cost you a thing.” These offers can be tempting, especially if it is time for a new roof anyway. BEWARE!
These are, more often than not, scams. The word “free” sometimes causes people to forget some old adages; “If it sounds too good to be true, it probably is” and “If it sounds like a duck and walks like a duck, it’s probably a duck”. If the unscrupulous roofing contractor sees that the word “free” is not working, they may use fear. They will exaggerate the damage and the potential problems to scare a homeowner into a new roof.You can go to jail. Roof scams are illegal. Not only can the contractor go to jail, but so can you.
What can you do to avoid roofing scams? Here are some red flags.
- The most obvious, if you are offered a free roof. If you participate in a scam, not only can the unscrupulous contractor face criminal penalties, but you can as well. Discounting deductibles and waiving deductibles are all against the law.
- If someone knocks on your door stating you have roof damage. Most of the time they will be well dressed. They are paid a percentage by the contractor when they sell a new roof.
- If the contractor’s vehicle has advertising on their vehicle stating, “free roofs”.
- If a contractor urges you to sign a contract. Seek estimates and other advice from other contractors and ask for references.
- If the contractor demands an upfront payment and promises you will be reimbursed at a later time.
- Check the business with the Better Business Bureau. Many of these contractors are not legitimate businesses. They are simply “created” after a storm. Many are not even from your home state.
- If you find a brochure at your home stating you have roof damage and directs you to call them.
- Ask for a copy of their “Certificate of Insurance”. If they will not provide this to you it is a red flag. If someone is hurt on your property and they are not insured with workers’ compensation insurance, you will be paying for that injury. If they do not have general liability, you have no recourse if damage is caused by their work.
- Find out more information to help you from being scammed HERE.
Roofing scams affect everyone. Even those who did not take advantage of a “free roof”. Not only will the victim’s insurance premiums increase, but so will everyone’s. The more claims in a particular area of town, the more that area will pay in homeowner’s insurance premiums.
Don't be a victim or a willing participant in roofing scams. The risk is too great. You can learn more about roofing scams at www.FreeRoofScam.org
Insurance is an ever-changing labyrinth of twists and turns that is hard to predict.
Legislation, profitability, claims, and litigation are only a small fraction of items that affect the insurance industry on nearly a daily basis. However, let’s have a little fun and look into the crystal ball, and try to predict what to expect in the future of insurance for the next twelve months. Keep in mind this is just for fun and these predictions could be totally off base. OK, it’s becoming clearer…I’m beginning to see something…Health insurance costs will continue to skyrocket
. Political opinions regarding the Patient Protection and Affordable Care Act (PPACA) a.k.a. Obama Care continue to vary. However, it is hard to argue that it has not caused health insurance premiums to rise dramatically. The “Affordable” Care Act and the rise in health insurance premiums seem to be oxymorons. Healthcare reform continues to be a slow process with different aspects of the changes being phased in over time. Seventy-two percent of Americans work for a small business. Many small businesses will stop providing healthcare to their employees, choosing to pay the governmental penalty. Small business owners already see the PPACA as socialistic, thus the effects people see through their jobs will cause many to see the changes as a detriment.Homeowners and auto insurance premiums will rise.
This will affect auto insurance more than homeowners insurance. In 2008 the insurance industry began experiencing what is called a “soft market”. As a result, premiums remained fairly level or they lowered because some insurance companies tried to fight the soft market by capturing market share. However, due to catastrophic events experienced by floods, hurricanes, and hail damage, the companies suffered large financial losses. Combined with the downward spiral in the financial markets, companies could not make up for those losses. The soft market appears to be ending and now entering into a “hard market”. Therefore, carriers are beginning to raise premiums to levels they should have been at from the start. To consumers, it will simply be seen as unpleasant increases in premiums.Business insurance premiums will increase.
For the same reasons noted above, property and casualty will experience increases. The crystal ball is cloudy as to what extent. However, when combined with the increase in health insurance premiums, small businesses will feel the discomfort.Fairy Tale Price Slingers will come out of the woodwork.
What is a fairy tale price slinger? These are insurance agents who solely concentrate on price. They play to the business owner’s pain by making statements like, “you’re paying too much for insurance”, “I can beat that price” and "we're going to save you lots of money". They come out of the woodwork because they have little expertise and only sell price. If the price seems to good to be true, it probably is. What gaps are hiding that decreases your protection? In a soft market they hide in the shadows. When the hard market hits and business owners become upset because of increased premiums, they swarm like fire ants at a picnic. To many they appear to be insurance saviors. In reality, they are wolves in sheep’s clothing. Online insurance purchasing will decline.
The television will shout louder and more often, “you could
save up to 40% on your car insurance” .That being said, more consumers will visit the online lizards, waitresses, cavemen, and other online companies. More online research will occur. As a result of the increased online research, consumers become more educated. They realize that a cookie cutter policy may not fit their particular needs. What is an extended non-owned endorsement? Why are split limits dangerous? Is my policy endorsed to cover me for rental vehicles? Why do I need insurance when I drive a company car? Why do you need an auto policy, even if you do not have a car? These questions will be discovered through online research. As a result, confusion will set in. Most people do not purchase when they are confused or uncomfortable. So in the end, the final purchase will be made through an independent agent who has the expertise to explain the intricacies and build a policy that meets the needs of the buyer. Most likely the premium will be about the same as what is found online or even lower because the independent agent knows how to get the most discounts for the client.
Wait…the crystal ball is becoming cloudy. Well, that was not as much fun as I thought it would be. I would liked to have seen some positive news. The potential good news is that the future is hard to predict. Maybe the crystal ball was wrong. We will keep our fingers crossed and hope for a better outcome.
Well, do not feel bad, you are not alone
. Car Insurance
ads are mind-boggling. Most of them are based on price, then price, and lastly, price. Frankly, it is not that simple.
I am sure you have heard the phrase, “A rose is a rose is a rose is a rose”. Gertrude Stein wrote this in her 1913 poem from called Sacred Emily. When it comes to insurance the phrase should read, “A rose is not
a rose is not
a rose”. Not all insurance is created equal. You have also probably heard the phrase, “If it sounds too good to be true, it probably is”. This is true of auto insurance. Most people want a good deal.
When you hear the TV shout, “You could save up to 40% on your car insurance”, it gets your attention. Most people do not hear the word “could”. We usually hear what we want to hear
. We do not like paying for insurance but we have to have it by law. We have to have it to protect ourselves. So why not pay the lowest possible premium?What is interesting is that experienced independent insurance agents “can also save you up to 40% on car insurance”.
They can evaluate and guide you into building a policy that best protects you while still saving you money. Everyone’s protection needs are not the same. So purchasing a cookie cutter policy is probably not going to provide the protection you need. The worst time to find this out is after a claim.Let’s look at an example.
John Q. Driver needs auto insurance. He drives a company car so he only needs insurance on his personally owned car. So he contacts BuyCheapInsurance.com and gets a quote. Being the smart shopper John is, he gets other quotes to compare. Therefore, he contacts his agent and directs him to quote with the same benefits. BuyCheapInsurance’s premium is $85 per month. The independent agent’s quote is $100 per month. Sounds like BuyCheapInsurance.com did just what they said they would do and saved him 15%, right?A month later, John has an accident in his company vehicle.
The company insures that vehicle, so no problem right? Wrong. You see, the insurance that his employer provides on the company car only protects the owner of the vehicle, not John. For example, the party that John injures hires an attorney and sues his company and John. After all, John was driving right? His company’s insurance repairs the other party’s car, repairs the company car, and pays damages to the injured party. It does not protect John personally; however, the plaintiff’s law firm wants more money for their client. Who is left to sue? That’s right, John. John bought insurance on his personal car. However, John needed an endorsement called “extended non-owned”
on his personal auto insurance policy. This endorsement covers John personally for the non-owned company car he was driving. How was John to know he needed this endorsement?
That is where an experienced independent agent may have helped. If he had called the agent and taken advantage of their expertise, he would have been advised he needed that endorsement
which probably would have cost him an additional $2 per month. Does John feel like he got a good deal with BuyCheapInsurance.com now? In addition, if John would have spent a little time speaking with the professional agent
and allowed the professional independent agent to evaluate all his personal insurance needs, his auto premium would have likely been less than the $85 per month he received from BuyCheapInsurance.com. By providing an insurance package for his home and auto, the agent could have applied all the discounts John was unaware of, and received a lower premium on both his home and auto. The moral of the story is what John already knew
. “A rose is not a rose is not a rose”, and “if it sounds too good to be true, it probably is”. One more rule of thumb to consider when looking for personal insurance, “The more questions an agent asks, the better”. Why? They are looking for ways to earn you discounts while looking for potential gaps in coverage you do not even know exist. So take advantage of an experienced agent’s knowledge and expertise. It will likely save you premium dollars with no gaps in coverage. If our experienced agents and Certified Insurance Counselors can help you evaluate your personal insurance needs, give us a call at 800-253-1165
The Acord Certificate of Insurance can be a great risk management tool for the Certificate Holder. It identifies businesses that are responsible enough to carry Workers Compensation insurance, General Liability insurance and Commercial Automobile insurance. The Certificate of Insurance allows the Certificate Holder to verify the insurance limits of a business. It also confirms that policies are modified to comply with special contract terms. These are all good things that allow the wheels of commerce to turn without friction.
But there can be a dark side to Certificates of Insurance when you are the Insured. Here are some reasons to take Certificate management seriously.
The Information Security Problem
Do you routinely instruct your insurance agent to “just send the Certificates to the same people who got one last year?” These are not prudent instructions. You are freely revealing confidential information which may damage your business. It is the “Loose Lips Sink Ships Syndrome” in action.
I think you will agree that a Certificate of Insurance contains confidential information. Distributing that information freely carries risks. For example, do you want others to know how deep your insurance pockets are? Ok, maybe you don’t see a problem. How about this: I am the attorney for a plaintiff who sues you. I know your insurance limits from the Certificate you gave my client. I plan to sue you for more than your insurance limits. I’m thinking that you may be willing to settle, if you are facing a judgment larger than your policy limits.
Here’s another case, a con artist learns the auto liability limits on your truck fleet from a Certificate. You suddenly experience a rash of “at fault auto” accidents. They are minor but all involve soft tissue claims like neck injuries. All victims sue. The con artist and his friends have set your Company up for auto insurance scams like the “swoop and squat”. Your trucks are easy targets. They all carry your logo and the crooks will get paid by your insurance company. And you get a headache and higher insurance premiums.
My point is, the Certificate contains confidential information that should not be freely distributed.
The Diluted Limits Problem
If you name parties as Additional Insureds on your policy, you are at risk for diluted insurance limits. For example, you are a drywall contractor with Commercial General Liability insurance. You give ABC Contracting, XYZ Contracting and 10 other general contractors Certificates of insurance. This is a common practice in the construction industry.
Your policy is amended to include each of them as Additional Insureds. Your agent, per your instructions, continues to send ABC a Certificate naming ABC as an Additional Insured even though your work was finished two years ago.
ABC Contracting is sued for $10,000,000. Because ABC Contracting remains as an Additional Insured they have access to your insurance. ABC may use 100% of your insurance limits before tapping his own insurance. If your insurance company pays out your limits on behalf of ABC Contracting, then there are no limits available to pay a judgment against your Company.
Your insurance limits are diluted when you name an Additional Insured on your policy. You want your full policy limits available for your Company if a claim occurs. Failure to eliminate Additional Insureds or any Certificate confirming that status may cause your Company to suffer an uncovered loss.
The Free Insurance Problem
When you tell your agent to send the Certificates to the parties that had them last year, the agent will follow your instructions. And by giving these instructions, you may be giving someone else free access to your insurance! Do you really want to do this?
This problem is similar to the diluted limits problem. Plus in many cases, your insurance company may charge you again for the specific endorsements originally requested by the Certificate Holder and verified by the Certificate of Insurance. So you may be unaware you are increasing your insurance costs when you tell your agent to “just send them to the people that got ‘em last year.”
Actually, it is easy to prevent all these problems. Here’s how:
- Do not send Certificates to any party unless there is a good business reason to do so.
- Review Certificates with your insurance agent at least annually. Renewal is usually a convenient time.
- Some contracts require you to keep special endorsements on your policies after the job is completed. Be very cautious about agreeing to these terms because you are putting your insurance limits at risk.
- Unless required by contract, do not automatically send a Certificate once you complete the business operations for which the Certificate of Insurance was required.
- Do not send Certificates of Insurance to everyone you may do business with in the future. If the other party has a good business reason to require a Certificate of Insurance, they will ask for one. But do not volunteer to send them one.
- Agree to use only Acord Certificates! They are the insurance industry standard.
In summary, you can limit your business risk by managing the distribution your Certificates of Insurance. It is not a difficult task. But in the rush of day to day business dealings, it is often overlooked.
If you have a question about Certificate of Insurance management, please drop me an email at Chester@insurancebutler.com . Your phone call is welcome, too. My direct line is 615-690-8856.
The new Butler Company website sports a simple and clean look. You’ll find new resources on the site. But you will also find that we tried to retain what you used frequently on the old website. Plus we added video, and many other easy to use features to serve you and our other visitors.
To simplify your life we tried to make the navigation easy. In fact, we built several pathways to the same pages because it’s important to find what you need fast.
If you are looking for a special category of insurance, the site will direct emails to specialists in the agency. That way, your message or service request gets to the right person’s desktop. We hope that will save you time and aggravation.
Here are a few of the benefits that will help you simplify your life and get help when you need it.
For Personal Insurance Customers
Most of you who buy personal insurance from us prefer to call us with policy changes and questions. And we are happy to talk with you! There were two exceptions. First, we found that you prefer to report claims directly to your insurance company. So we made a page that gives you the information you need to report your claims directly to your insurance company.
Actually, direct claim reporting is a good idea because it speeds up claim processing by three days. In most cases, you will get a call back from a claims coordinator within an hour or two. The insurance company will send us a report the next business day so that we are “in the loop” to assist as needed.
The second feature you use frequently is the Blue Cross link to buy short term and individual health insurance on line. So you will find that feature at your finger tips on our new site, too.
For Commercial insurance and Bond Customers
Our business insurance customers will find many tools that will save them time on the new site. For example, business information seems to change daily. You will find tools that allow you to:
· Add and delete drivers
· Add and delete autos and trucks
· Change corporate or business information
Business owners like our Request an Insurance Certificate tool. Using this tool is the fastest way to get the Certificate that your company may need to start a project or to get paid. By using this tool, we get accurate information so the Certificate is accurate. We can then deliver it to you and the Certificate Holder by email or fax.
Using the Request an Insurance Certificate tool will cut your processing expense and eliminate errors. Errors mean delay that can postpone your job payment request or delay the start of a project. But based on your use of the tool, you know that! By the way, our Certificate service continues to be free to all customers.
Our Express Bid Bond tool continues to be a popular feature for our contractor accounts with bond lines of credit. It allows you to post all the information needed so that we can prepare an accurate bid bond for you. This is a free service, too.
We have added a new bond feature for subcontractors and small general contractors to our site. This feature allows a contractor to get a bid bond or other type of construction bond by just completing a short application. Once we receive the completed application, you’ll get a fast response. It is as close to “instant” bonding as you’ll find.
So check out the new Butler Company website. Let us know what you think and what features you might like us to add.
Springtime is a wonderful time of year but it does bring violent thunderstorms, tornados and flooding to the Middle Tennessee area. So it is important to be prepared for violent storms. There are many things you can do to prepare yourself for emergencies. However, one of the most important is the ability to get and send communications. For example, waking you up to let you know about a tornado warning in your area is important communication! And in 2010 it was very important to be able to get help, if you were stranded by rising flood waters. So, put your emergency communication system in place now. Here are some tips to help you.
Free apps for Tornado Warnings
This free application for your Android or Iphone device will warn you anytime a Tornado Warning is issued for your area. The warning siren will sound on your device even if the application is not open. Just as important, once you activate the application, it will also send you a message that the storm has cleared your area. That way you know when it’s ok for you and the family to leave your “Safe Place”.
Besides sending you alerts, the application is a source of other helpful information. This application allows you to find the location of emergency facilities, if you need temporary shelter. And it explains how to make you own emergency kit, so that you are always ready for springtime weather emergencies.
Staying In Touch During Emergencies
Getting help when you need it is your first priority. Your second priority is to let your family know that you are safe. Here are more communication tips:
- When voice communication does not work on your device, texting and email often do. I find that many people do not know how to text or use social networks such as Twitter. Knowing how to text and tweet are handy skills. Learn them before an emergency occurs. Need an example? In the 2010 Nashville flood, tweets helped many motorists avoid flooded roads.
- Close all applications on your device so that you can conserve power. Open applications drain your device’s battery.
- If you lose power, don’t forget that you can use your car to charge your device. It is a good idea to make sure you have the right adapters to charge your device in your car.
- Don’t entertain yourself or allow children to entertain themselves with a device during an emergency. This drains power. In addition, it may cause network congestion which can slow the ability of first responders to get vital information they need to help others.
- If you have a cell phone, it is a good idea to load an entry labeled, ICE (In case of Emergency) in your directory of contacts. This makes it easier for you and emergency responders to communicate with your family members. Load this information in your device directory today, so that you will have that information if you need it.
- A prepaid cell phone or prepaid phone cards can be an effective part of an emergency communication system for your family. They are inexpensive and handy.
- Do you know about the Red Cross Safe and Well Program? It is often difficult to locate your loved ones when a bad storm causes havoc in your community. And since we are a mobile society, your family may be spread out across a large area. The Red Cross has a program that allows your friends and family to know you are ok and you can verify they are ok, too. Check it out.
It is comforting to know that you have many alternatives for communication before, during and after a serious weather event. Knowing how to use these resources eliminates stress and worry. Frankly, it may save your life or the life of someone you know. So, be prepared, not a victim.
From all of us at The Butler Company, Inc. please enjoy the spring season and be safe. We’ll be here, if you need us.
One last thing. Did you recently update your heating and air conditioning system, your plumbing system, your electrical system, your roof or your security system, please let us know. If we know these things, it helps us to keep your property insurance premiums down. And you may be entitled to a discount! Just call us at 615-777-1165 or drop us an email at Butler@insurancebutler.com