Commercial Business Insurance Bond: Protecting Your Business and Customers

Commercial Business Insurance Bond: Protecting Your Business and Customers

Shield Insurance Agency Blog | Insurance Bond | Bond Insurance | Start A Quote Today

As a business owner, you know that unexpected events can happen at any time. That’s why it’s important to have insurance and bonding for your business. In this blog post, we’ll discuss what an insurance bond is, how it works, what it covers, and who needs it. We’ll also talk about the benefits of being bonded and insured, and how Shield Insurance Agency can help you find affordable coverage for your business.

What is an Insurance Bond?

An insurance bond is a type of insurance that provides financial protection to a business in case of loss due to employee theft, fraud, or other types of dishonesty. It is a contract between the business owner, the bonding company, and the customer. The bonding company guarantees that the business will fulfill its obligations to the customer, and if it fails to do so, the bonding company will pay the customer on behalf of the business.

How Does an Insurance Bond Work?

When a business obtains an insurance bond, it pays a premium to the bonding company. The premium is based on the amount of coverage the business needs and the level of risk involved. If the business fails to fulfill its obligations to the customer, the customer can file a claim with the bonding company. The bonding company will investigate the claim and if it is found to be valid, the bonding company will pay the customer on behalf of the business.

What Does an Insurance Bond Cover?

An insurance bond covers financial loss due to employee theft, fraud, or other types of dishonesty. It also covers loss due to the failure of the business to fulfill its obligations to the customer. Insurance bonds can cover a variety of industries, including construction, transportation, and healthcare.

What Doesn’t an Insurance Bond Cover?

An insurance bond does not cover damage to property or injury to people. For that, you need liability insurance. It also does not cover loss due to natural disasters, such as floods or earthquakes. For that, you need property insurance.

Who Needs an Insurance Bond?

Certain industries are required by law to have insurance bonds. For example, contractors and construction companies are required to have bonds to ensure that they will complete their projects and pay their subcontractors and suppliers. Transportation companies are required to have bonds to ensure that they will pay for any damage they cause to other vehicles or property.

Even if your industry is not required to have an insurance bond, it is still a good idea to have one. It provides protection and peace of mind in case of unexpected events.

Bonded and Insured: The Benefits

Being bonded and insured means that your business is protected against financial loss due to employee theft, fraud, or other types of dishonesty. It also means that your business is more trustworthy in the eyes of your customers. When customers see that your business is bonded and insured, they know that you take your responsibilities seriously and that you are committed to providing quality service.

Commercial Surety Bond: The Details

A commercial surety bond is a type of insurance bond that is required by law for certain industries, such as construction and transportation. It guarantees that the business will fulfill its obligations to the customer, and if it fails to do so, the bonding company will pay the customer on behalf of the business.

When obtaining commercial surety bond coverage, it is important to understand the deductible. The deductible is the amount that the business owner must pay before the bonding company will pay the customer. It is important to choose a deductible that is affordable for your business, but also provides adequate protection for your customers.

Affordable Protection and Safety with Shield Insurance Agency

At Shield Insurance Agency, we understand that every business is unique. That’s why we offer personalized service to each of our clients. Our experienced agents will work with you to determine the best coverage for your business, and we will help you navigate the complex world of insurance and bonding.

Shield Insurance Agency represents over 40 insurance companies, which means that we can find the best coverage for your business at an affordable price. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

Don’t wait until it’s too late – protect your business today with commercial business bond insurance. With Shield Insurance Agency, you can have peace of mind knowing that your business and your customers are protected.


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Term Life Insurance: Protecting Your Family with Affordable Coverage

Term Life Insurance: Protecting Your Family with Affordable Coverage

Shield Insurance Agency Blog | Term Life Insurance | Life Insurance | Start A Quote Today

As a responsible adult, you want to ensure that your family is protected in case of any unforeseen circumstances. One of the best ways to do this is by investing in a term life insurance policy. It provides a lump sum payment to your beneficiaries in case of your untimely death, ensuring that they are financially secure even in your absence. However, with so many options available in the market, it can be overwhelming to choose the best term life insurance policy for your needs. In this blog post, we will discuss the key factors to consider when selecting a term life insurance policy and how Shield Insurance Agency can help you find affordable coverage.

What is Term Life Insurance?

Term life insurance is a type of life insurance policy that provides coverage for a specific period, usually ranging from 5 to 30 years. It is a popular choice among individuals who want to ensure that their family is protected during a specific period, such as the duration of a mortgage or until their children are financially independent. Unlike permanent life insurance policies, such as whole life or universal life insurance, term life insurance policies do not accumulate cash value and are typically more affordable.

Factors to Consider When Choosing a Term Life Insurance Policy

When selecting a term life insurance policy, there are several factors to consider to ensure that you get the best coverage for your needs. These include:

  • Coverage Amount: The coverage amount should be sufficient to cover your family’s financial needs in case of your untimely death. It should take into account your outstanding debts, future expenses, and income replacement needs.
  • Term Length: The term length should align with your financial goals and needs. For instance, if you have a 30-year mortgage, you may want to consider a 30-year term life insurance policy.
  • Premiums: The premiums should be affordable and fit within your budget. It is essential to consider the long-term affordability of the policy, as premiums may increase over time.
  • Deductible: Some term life insurance policies may have a deductible, which is the amount you need to pay before the insurance coverage kicks in. It is essential to consider the deductible amount and how it may impact your financial situation.
  • Insurance Company: It is crucial to choose a reputable insurance company that has a strong financial rating and a history of paying out claims.

How Shield Insurance Agency Can Help You Find Affordable Coverage

At Shield Insurance Agency, we understand that selecting the best term life insurance policy can be overwhelming. That’s why we are here to help you find affordable coverage that meets your needs. As an independent insurance agency, we represent over 40 insurance companies, giving us access to a wide range of policies and pricing options. Our experienced agents will work with you to understand your financial goals and needs and provide you with a term life insurance quote that fits within your budget.

To get started, you can contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK, and an agent will be in touch soon. We will guide you through the process of selecting the best term life insurance policy for your needs and ensure that you have the protection your family deserves.

In conclusion, investing in a term life insurance policy is an essential step in protecting your family’s financial future. By considering the factors mentioned above and working with Shield Insurance Agency, you can find affordable coverage that meets your needs and provides you with peace of mind. Contact us today to get started on your journey toward financial security.


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Lynde Point Lighthouse

U.S. Is Giving Away Lighthouses for Free to Preserve Them As Historic Landmarks

Goodnews Network | Lighthouses | Home Insurance | Start A Quote Today!

A unique opportunity for a fixer-upper is coming by way of the US General Services Administration (GSA)—6 historic American lighthouses.

Going up this year via public auction, the federal government has a unique way of ensuring lighthouses retain their historic status which can even involve auctioning them off to private citizens with an affection for the now-obsolete structures.

Lighthouses are beautiful, attractive pieces of seaside scenery, although perhaps it’s a tad difficult to explain exactly why it’s almost impossible to find someone not moved by the sight of one.

Lighthouses for Conservation

The US has hundreds of lighthouses that once ensured sailors could safely come into the harbor but are now derelict since the invention of GPS technology. The GSA routinely sells off lighthouses to nonprofits interested in conservation, state and local governments, educational agencies, and even federal ones.

However if no buyers come up, the GSA will auction them off to the public at prices ranging from $10,000 to nearly $1 million, reports NPR.

Since the National Historic Lighthouse Preservation Act was passed in 2000 more than 150 lighthouses have been sold or handed over to various organizations. This includes 81 that are now owned by government agencies and nonprofits and another 70 that have been sold to the public.

“Costs for the upkeep of lighthouses are relative to what the new owner plans to do,” the GSA states in a notice of the May 2023 “Lighthouse season”

“A total restoration could be thousands of dollars while a simple cleaning is much less. New owners should expect to have to paint, clean, and possibly restore broken or missing items. Most lighthouses do not have any utilities, so there would be a cost associated with making the lighthouse livable.”

This year, 6 lighthouses are being placed on Notice of Availability, and 4 are going direct to public auction. Should any of the 6 not find owners, they too will be sold to the citizenry.

These include the Lynde Point Lighthouse, Old Saybrook, Connecticut; Nobska Lighthouse, Falmouth (Woods Hole), Massachusetts; Plymouth/Gurnet Lighthouse, Plymouth, Massachusetts; Warwick Neck Light, Warwick, Rhode Island; Little Mark Island and Monument, Harpswell, Maine; and Erie Harbor North Pier Lighthouse, Erie, Pennsylvania.

Read more about this unusual real estate opportunity…


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Traces of Sisterhood POLAND & UKRAINE | 2022

The Red Dress

The Red Dress | BY KIRSTIE MACLEOD | Apr 15, 2023 | Red Dress | Home Insurance | Start A Quote Today!

Shield Insurance Blog | Red Dress | Home Insurance | Start A Quote Today! |

375 Embroiderers
51 COUNTRIES
1 DRESS

A 14-year, award-winning global, collaborative embroidery project from 2009 to 2023

The Red Dress project, conceived by British artist Kirstie Macleod, provides an artistic platform for women around the world, many of whom are vulnerable and live in poverty, to tell their personal stories through embroidery.

From 2009 to 2023, pieces of the Red Dress traveled the globe being continuously embroidered. Constructed out of 85 pieces of burgundy silk dupion, the garment has been worked on by 366 women/girls, 7 men/boys, and 2 non-binary artists from 51 countries. All 140 commissioned embroiderers were paid for their work and received a portion of all ongoing exhibition fees, merchandise, and the opportunity to sell their work through the Red Dress Etsy shop. The rest of the embroidery was added by a willing audience at various exhibitions & events.

Embroiderers of the Red Dress

Embroiderers include female refugees from Palestine, Syria, and Ukraine, women seeking asylum in the UK from Iran, Iraq, China, Nigeria, and Namibia, survivors of war in Kosovo, Bosnia & Herzegovina, Rwanda, and DR Congo; impoverished women in South Africa, Mexico, and Egypt; individuals in Kenya, Japan, Turkey, Jamaica, Sweden, Peru, Czech Republic, Dubai, Afghanistan, Australia, Argentina, Germany, Switzerland, Canada, Tobago, Vietnam, Estonia, USA, Russia, Pakistan, Wales, Colombia and England, students from Montenegro, Brazil, Malta, Singapore, Eritrea, Norway, Poland, Finland, Ireland, Romania, and Hong Kong as well as upmarket embroidery studios in India and Saudi Arabia.

Initially, the project sought to generate a dialogue of identity through embroidery, uniting people around the world without borders. However, over the 14 years, the dress has also become a platform for self-expression and an opportunity for voices to be amplified and heard.

Many of the embroiderers are established professionals, but there are also pieces created by first-time embroiderers. The artists were encouraged to create a work that expressed their own identities whilst adding their own cultural and traditional experiences. Some used specific styles of embroidery practiced for hundreds of years within their family, village, or town whilst others chose simple stitches to convey powerful events from their past. Some of the women are rebuilding their lives with the help of embroidery, by using their skills or being trained in embroidery to earn a decent and consistent living.

The Red Dress Exhibitions

The Red Dress has been exhibited in various galleries and museums worldwide, including Gallery Maeght in Paris, Art Dubai, Museo Des Arte Popular in Mexico City, the National Library of Kosovo, National Waterfront Museum in Wales, Fashion and Textile Museum, in London, an event at the Royal Academy in London, and the Premio Valcellina Textiles award in Maniago, Italy where it won first prize in 2015.

The Red Dress’s 14-year creation journey around the world is now just about completed with the garment assembled in its final configuration. Covered in millions of stitches, the 6.8 kg. silk Red Dress is weighted as much by the individual stories and collective voices waiting to be heard as by the threads and beads that adorn it.

Moving forward, as well as continuing to develop a strong online platform the Red Dress will be traveling to many different galleries, museums, and event spaces around the world – with a continued aim to be accessible to all. Kirstie hopes to bring the garment to visit the countries of all commissioned embroiderers and exhibit the Red Dress alongside their own work in their chosen venue.

Practical and logistical support with commissions for the project was provided by the following charities, self-help development projects, social enterprises, and various initiatives providing support to women in poverty: Manchester Aid for Kosovo supporting Sister Stitch in Kosovo; Kisany in Rwanda and DR Congo; Missibaba in South Africa; Kitzen in Mexico; Al Badia in Lebanon supporting Palestinian refugees; FanSina in Egypt; the Swansea Women’s Asylum & Refugee Support Group, Wales and the War Childhood Museum in Bosnia & Herzegovina. Seed investment for the project was provided by the British Council Dubai in 2009 and subsequent funding has been received by the Arts Council Lottery Fund & the British Embassy in Pristina, Kosovo.

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Father’s Day 2023 is Sun, Jun 18

Love your Daddy! This Sun, Jun 18, 2023, is Father’s Day!

HISTORY.COM | MAY 15, 2023 | Father’s Day | Recreational Insurance | Start a Quote Today!

The nation’s first Father’s Day was celebrated on June 19, 1910, in the state of Washington. However, it was not until 1972—58 years after President Woodrow Wilson made Mother’s Day official—that the day honoring fathers became a nationwide holiday in the United States. Father’s Day 2023 will occur on Sunday, June 18.

Mother’s Day: Inspiration for Father’s Day

The “Mother’s Day” we celebrate today has its origins in the peace-and-reconciliation campaigns of the post-Civil War era. During the 1860s, at the urging of activist Ann Reeves Jarvis, one divided West Virginia town celebrated “Mother’s Work Days” which brought together the mothers of Confederate and Union soldiers.

Did you know? There are more than 70 million fathers in the United States.

However, Mother’s Day did not become a commercial holiday until 1908, when–inspired by Jarvis’s daughter, Anna Jarvis, who wanted to honor her own mother by making Mother’s Day a national holiday–the John Wanamaker department store in Philadelphia sponsored a service dedicated to mothers in its auditorium.

Thanks in large part to this association with retailers, who saw great potential for profit in the holiday, Mother’s Day caught on right away. In 1909, 45 states observed the day, and in 1914, President Woodrow Wilson approved a resolution that made the second Sunday in May a holiday in honor of “that tender, gentle army, the mothers of America.”

FEATURED

Why the Founder of Mother’s Day Turned Against It

Anna Jarvis, who founded Mother’s Day in 1908, passionately opposed its growing commercialization and eventually campaigned against the holiday.

Origins of Father’s Day

The campaign to celebrate the nation’s fathers did not meet with the same enthusiasm–perhaps because, as one florist explained, “fathers haven’t the same sentimental appeal that mothers have.”

On July 5, 1908, a West Virginia church sponsored the nation’s first event explicitly in honor of fathers, a Sunday sermon in memory of the 362 men who had died in the previous December’s explosions at the Fairmont Coal Company mines in Monongah, but it was a one-time commemoration and not an annual holiday.

The next year, a Spokane, Washington, woman named Sonora Smart Dodd, one of six children raised by a widower, tried to establish an official equivalent to Mother’s Day for male parents. She went to local churches, the YMCA, shopkeepers and government officials to drum up support for her idea, and she was successful: Washington State celebrated the nation’s first statewide Father’s Day on June 19, 1910.

Slowly, the holiday spread. In 1916, President Wilson honored the day by using telegraph signals to unfurl a flag in Spokane when he pressed a button in Washington, D.C. In 1924, President Calvin Coolidge urged state governments to observe Father’s Day.

Today, the day honoring fathers is celebrated in the United States on the third Sunday of June: Father’s Day 2021 occurs on June 20.

In other countries–especially in Europe and Latin America–fathers are honored on St. Joseph’s Day, a traditional Catholic holiday that falls on March 19.

Click here to enjoy a fascinating video of several Founding Fathers


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From The Dumpster

Beautiful Heirlooms & The Dumpster

TheDailyGood.org | BY MEREDITH SABINI | May 27, 2023 |The Dumpster | Home Insurance | Start A Quote

“We can’t use these. They look like heirlooms!” Gina, a guest at my holiday gathering, holds up one of the elaborately embroidered napkins from the buffet table I got out of the dumpster. “Where’d you get them?”

“Out of the dumpster. The tablecloth and those candleholders were in there, too.”

“You can’t be serious! Why would they be in a dumpster?” The shock in her voice carried across the room, and others looked up.

It’s common that women ask where something came from, especially if it’s an attractive article of clothing or new addition to the house. But to name a dumpster as the source of anything, especially an object of beauty, is completely unexpected.

My explanation created an atmosphere of mystery. The tale was so unlikely that later my friends joked that perhaps I’d dreamed it.

The red napkin, tablecloth, and candlesticks all belonged to Mrs. Cybulski (not her real name), a widow who had lived down the street as long as I’d been in the neighborhood, about twenty years.

Except to water her yard, she didn’t go out much. And when she did, she stayed near the house, as if the tether fastening her to life had retracted, pulling her toward an eternal home.

One day, I noticed a full-size dumpster in front of her bungalow. I assumed it was for yard debris or trash from some renovation project. But soon strangers appeared. On my daily walk, I could see them scurrying around the property. A boy about twelve sat on the porch, looking morose. His expression evoked a twinge of anxiety in me that perhaps Mrs. Cy had died.

I called over haltingly, “Is she gone?” 

“Yeah, she passed.” It was hard to tell whether he was upset at losing kin or just sulky at having to help with an unpleasant task.

Through the large plate glass window I could see a woman balancing stemware between her fingers. A man about forty emerged from the back door, his arms piled high with what appeared to be bedding. I waited nearby to see if he was really going to deposit it in the dumpster.

Reluctant to intrude yet curious, I introduced myself. “Hi, I’m Meredith, a neighbor down the street. Sorry to hear about Mrs. Cybulski. Was she your grandmother?”

“Great aunt. Ninety-one. Had a good life,” he said and proceeded towards the dumpster, our conversation apparently over. He placed the neatly folded sheets and blankets down carefully as if this were now the room in which they would be kept. I’d seen dumpsters full of discards of all kinds, but never one like this packed like a trunk for an ocean voyage.

I stood fixed on the spot, bewildered by the odd juxtaposition of sudden death and business-like calm. The nephew soon appeared with the next batch, which he stacked on top of the previous one in the same perfunctory manner. Considering his lack of feeling, I figured I could peer into the dumpster without offending anyone. A wooden daybed, surrounded by perfectly decent household items, was pushed up against one side as if, at any moment, someone was going to recline there with a book for an afternoon read.

I dislike seeing things go to waste and the daybed was just the ticket for my guestroom; the old upholstery could easily be replaced. But asking to save something from the newly departed seemed crude. Was this merely social propriety, or a primordial instinct out of which taboos arise? If the nephew wasn’t especially grieved by his aunt’s death, perhaps he wouldn’t be upset by my request to salvage a motley piece of furniture. Hesitantly, I ventured, “I wonder if I could offer to purchase that daybed from you if you’re planning to get rid of it?”

The Dumpster

“No, but take it. You can have it.” He marched past me without looking, without missing a beat. And I walked inside my first dumpster.

I’ve been to archaeological sites, and know the sun-bleached whiteness of bone, and the tea-colored stains left by the earth. Here, no layers of soil obscured the find. To get to the daybed, I had only to move the piles of bedding. Her hall closet must now be empty, for here were ironed sheets, blankets, table linen, and the kind of embroidered and crocheted cloths that are found in old women’s attics. When I saw these, my own mourning resumed.

Evenings at my grandmother’s had been spent with the two of us huddled together on the divan, working needles of colored thread through squares of muslin, as she taught me how to give shape to the birds and flowers we ironed onto future kitchen towels. The few I have left are like gold to me. My grandmother and Mrs. Cy were of the same generation.

When our grandparents died, my brother and I had to deal with their belongings. It was the late ’70s, a time when the perennial battle between spirit and matter was once again inflamed. Caving into the pressure not to be attached to things or hold onto the past, we gave away too much and sold the rest for a song. Objects imbued with our ancestors’ mana slipped through our fingers, going to strangers who cared not for their spirit but only their matter.

Into the dumpster were going similar artifacts of a lifetime. I didn’t know Mrs. Cy well but this desecration had to stop. I had recently taken a religious vow of voluntary simplicity and was deeply committed to reducing my over-consumption by keeping existing goods in circulation and tending them with care. I could not stand by and watch while usable things went to molder in a landfill. The nephew was headed in my direction with another load and I decided to press my luck.

“Are these linens and bedding going too? I would be glad to give you something for them as well.” I pointed to a stack at the foot of the daybed.

“Oh, I guess you can have them. But I would make sure they get laundered.”

Was it her death that contaminated them, or her life? Trying not to sound snide, I assured him I would wash everything, and began stacking the linens atop the daybed. Among them was an old-fashioned lace coverlet, a fine damask tablecloth with a dozen matching napkins in their original box, and pure cotton sheets with laundry tags at the corners. Laundering did not seem to be the issue.

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What is the value of having recreational insurance in Michigan?

What is the value of having recreational insurance in Michigan?

Shield Blog | Recreational Insurance | Start A Quote Today!

Living in the state of Michigan can come with a lot of amenities. One of the benefits that come with living here is that you can enjoy many local parks and other attractions. If you are going to move here, investing in a recreational vehicle can be a great option as it can be very fun to use. When you are looking for a recreational vehicle, getting recreational insurance for it is quite important.

This type of coverage can come with many forms of coverage which makes it quite valuable:

Cover the Vehicle

A reason to get a recreational insurance plan is so you can cover the vehicle. When you are going to get a recreational vehicle, you will find that it can cost a lot of money to purchase and maintain. Because of this investment, you will want to protect your asset and ensure it is always covered. With a recreational insurance plan, you will get support to replace or repair your asset. 

Reduce Liability Risks

It can also be a good idea to get recreational insurance so you can reduce your liability risks. There is always a chance you can be found liable for an accident when using a recreational vehicle. If you have a full recreational insurance plan, you will get support to cover any damages that you have incurred. 

Reach Out To Us

Having recreational insurance continues to be a necessity for those that are in Michigan. When you are looking for one of these plans here, it would be a great idea to call our team with the Shield Insurance Agency. If you do call us with the Shield Insurance Agency, you can receive top support to ensure you are able to make an informed decision and properly protect your recreational asset. 

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The Hidden Joy of Waiting In Line

The Hidden Joy of Waiting In Line

DailyGood.org | BY CAROLYN GREGOIRE | May 31, 2023 | Waiting In Line | Free No Line Insurance Quote

Americans spend an estimated 37 billion hours waiting in line each year, much to our individual and collective distaste. Few things inspire as much universal frustration and ire as long queues and lengthy wait times — many of us even struggle to wait for a sluggish web browser to load.

In fact, according to computer scientist Ramesh Sitaraman, Internet users may be a particularly impatient bunch. His research has found that we’re willing to be patient, on average, for two seconds while waiting for an online video to load.

“After five seconds, the abandonment rate is 25 percent,” Sitaraman told the Boston Globe. “When you get to 10 seconds, half are gone.”

We Hate Waiting In Line

We want it all, and we want it now — which is why we’ve created apps to zap as much wait time as humanly possible from mundane daily tasks like food delivery, transportation, and paying bills (and even arenas of greater import, like dating). We devour articles with time-saving “life hacks” to shave 30 seconds here and five minutes there off of the day’s drudgery.

So why do we dislike waiting in line so much? 

According to M.I.T. operations researcher and line expert Richard Larson, occupied time feels shorter than unoccupied time, so when we’re standing in a long line or in a doctor’s office waiting room, the time does feel as if it’s dragging on. Waiting can provoke impatience, stress, and anxiety, and in turn, anxiety also makes waits seem longer.

“The dominant cost of waiting is an emotional one: stress, boredom, that nagging sensation that one’s life is slipping away,” Alex Stone wrote in the New York Times in 2012.

But while waiting in line may be, to some extent, innately annoying, there’s no question that our lifestyles of constant busyness, multitasking, and information overload have made it even more difficult for us to tolerate idle time. And of course, mobile devices and wifi have made it possible to avoid idle time almost altogether. We’ve become accustomed to instant gratification, and any less-than-stimulating situation invites us to immediately whip out our phones in order to keep our brains occupied. This need for instant gratification and loss of patience is indeed a negative side effect of hyperconnectivity, according to Pew Center research.

Most of us would like to have more peace and stillness in our lives, and yet we don’t make use of life’s many daily opportunities to just be still and practice patience. No opportunity is better than when we’re waiting — when we so often whip out our phones and busy ourselves with texts, emails, Candy Crush, Spotify, or Twitter. But what if we welcomed these idle, luxuriously long in-between moments as opportunities to simply wait?

In Japanese, there is a concept known as ma, which refers to a gap, pause, or negative space between things. The term is generally used in the context of the Zen aesthetic, but it’s also a useful construct when it comes to how we think of spending our time. We can use life’s inevitable waiting periods as moments of ma — ways to create still points in our constantly turning worlds.

Next time you find yourself waiting in line, try making your wait a little more mindful and see how it makes you feel. Once the twitch of your hand reaching down for your phone has stopped, you might actually enjoy a moment of relaxation.

Here are nine things to do while you’re waiting in line that doesn’t involve mindlessly checking your phone:

  • Smile at a stranger
  • Practice a “sights and sounds” meditation, clearing your thoughts and simply directing your full awareness of the visual and auditory stimuli in your present environment.
  • Let someone who’s in a rush cut in front of you.
  • Make a mental list of things you’re grateful for.
  • Take some deep breaths.
  • Silently repeat a mantra for an inner piece.
  • Daydream.
  • Send a kind thought to someone you love.
  • Read a book

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Motorcycle Insurance and the Breeze of the Open Road

Motorcycle Insurance and the Breeze of the Open Road

Shield Insurance Blog | Motorcycle Insurance | Start a Quote Today!

Riding a motorcycle can be an exhilarating experience, but it also comes with its own set of risks. That’s why it’s important to have the right motorcycle insurance to protect yourself, your bike, and your family. But with so many options out there, how do you find the best and cheapest motorcycle insurance near you?

The Importance of Motorcycle Insurance

First, let’s talk about what motorcycle insurance is and why it’s important. Motor bike insurance is a type of insurance that provides financial protection in case of an accident, theft, or damage to your motorcycle. It can also cover medical expenses and liability if you’re at fault in an accident.

The best motorcycle insurance is one that provides adequate coverage at an affordable price. But finding the right insurance can be a daunting task, especially if you’re not familiar with the different types of coverage and deductibles.

Motorcycle Insurance Agency Near You

That’s where a motorcycle insurance agent near you can help. An agent can guide you through the process of selecting the right coverage for your needs and budget. They can also help you understand the different deductibles and how they affect your premium.

At Shield Insurance Agency, we represent over 40 insurance companies, which means we can find the best motorcycle insurance for you at the most affordable price. Our agents are knowledgeable and experienced in motorcycle insurance, and we’re committed to providing our clients with the best possible protection for their family and their bike.

When it comes to selecting the right coverage, there are a few things to consider. First, you’ll want to make sure you have enough liability coverage to protect yourself in case of an accident. Liability coverage pays for damages and injuries you cause to others in an accident.

You’ll also want to consider collision and comprehensive coverage. Collision coverage pays for damages to your motorcycle if you’re in an accident, while comprehensive coverage covers theft, vandalism, and other non-collision incidents.

Another important factor to consider is the deductible. The deductible is the amount you pay out of pocket before your insurance kicks in. A higher deductible can lower your premium, but it also means you’ll have to pay more out of pocket if you’re in an accident.

At Shield Insurance Agency, we can help you find the right balance between coverage and deductible to ensure you have the best motorcycle insurance for your needs and budget.

But motorcycle insurance isn’t just about protecting your bike. It’s also about protecting your family. If you’re in an accident and unable to work, disability coverage can provide financial support for you and your family. And if you’re injured in an accident, medical payments coverage can help cover your medical expenses.

At Shield Insurance Agency, we understand the importance of protecting your family. That’s why we offer a range of coverage options to ensure you have the protection you need.

So if you’re looking for the best and cheapest motorcycle insurance near you, look no further than Shield Insurance Agency. Contact us at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon. We’re committed to providing our clients with the best possible protection for their family and their bike.


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Farm insurance

Farm Insurance: A Solid Investment

Shield Insurance Agency Blog | Farm Insurance | Start a Quote here!

As a farmer, you know that your livelihood depends on the health and well-being of your farm
animals and crops. You also know that unexpected events can happen at any time, from natural
disasters to accidents. That’s why it’s important to have farm insurance to protect your
investment and ensure that your farm can continue to thrive.

Farm Insurance will protect farm assets

Farm insurance is a type of insurance that is specifically designed to protect farmers and their
assets. It covers a wide range of risks, including damage to crops, livestock, and equipment, as
well as liability for accidents that occur on the farm. With the right farm insurance policy, you can
have peace of mind knowing that your farm is protected against unexpected events.
If you’re looking for farm insurance, you may be wondering where to start. One option is to get a
farm insurance quote from a local insurance agent. An insurance agent near you can
help you understand your options and find the right policy for your needs.

At Shield Insurance Agency, we represent over 40 insurance companies, including many that
specialize in farm insurance. Our experienced agents can help you find the right policy to
protect your farm and your family. Whether you need coverage for your farm animals, crops, or
equipment, we can help you find the right policy at a price you can afford.

One of the benefits of working with Shield Insurance Agency is that we have experience working with farm families and understand the unique risks and challenges that farmers face. We can help you find a policy that meets your specific needs and provides the coverage you need to protect your farm and your family.
When you work with Shield Insurance Agency, you can also take advantage of our local
expertise. We are based in Michigan and have been serving the community for over 30 years.
We understand the local farming industry and can help you navigate the complex world of farm
insurance.

If you’re looking for farm insurance near you, contact Shield Insurance Agency at (616)
896-4600 for a free quote today. We can help you find the right policy to protect your farm and
your family, so you can focus on what you do best – growing healthy crops and raising healthy
animals.

Farm Liability Insurance

In addition to protecting your farm, farm insurance can also provide liability coverage for
accidents that occur on your property. This can include coverage for injuries to visitors, as well
as damage to their property. With liability coverage, you can have peace of mind knowing that
you are protected against unexpected events that can occur on your farm.

Another important aspect of farm insurance is coverage for your equipment. Farm equipment
can be expensive to repair or replace, and without the right coverage, a single accident can be
devastating. With equipment coverage, you can have peace of mind knowing that your tractors,
combines, and other equipments are protected against damage or theft.

Finally, farm insurance can also provide coverage for your crops. Crop insurance can protect
you against losses due to weather events, pests, and other factors that can impact your harvest.
With crop insurance, you can have peace of mind knowing that your investment is protected
against unexpected events.

In conclusion, if you’re a farmer, it’s important to have farm insurance to protect your investment
and ensure that your farm can continue to thrive. Whether you need coverage for your farm
animals, crops, or equipment, Shield Insurance Agency can help you find the right policy at a
price you can afford. Contact us today at (616) 896-4600 for a free quote and to learn more
about how we can help you protect your farm and your family.


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