Shepherd Insurance Group

08/29/2025

🌧️🏡 When it rains, it pours… and sometimes that means more than just puddles in the yard.

This has been a rainy summer and heavy rain can lead to roof leaks, basement seepage, or even flooding. The tricky part? Not all water damage is covered by standard home insurance.

✅ Sudden damage (like a roof leak from a storm) → usually covered.
❌ Groundwater or flooding from outside → typically not unless you have a flood policy.

So before the next storm rolls in, take a quick peek at your roof, gutters, and sump pump and double-check your coverage. A little prep now can save a big headache later.

08/28/2025

🚗💼 Got employees? Then you probably need Employer’s Non-Owned Auto Liability (ENOL) insurance.

Here’s why: if an employee runs an errand for work using their own car (like dropping off paperwork, grabbing supplies, or making a bank run) and gets into an accident, your business could be held liable. 😬

ENOL coverage steps in to protect the business in those situations. For a pretty small premium, you can protect your business from one fender bender turning into a major financial headache.

👉 If your employees ever drive their personal cars for work, even once, it’s worth making sure you’re covered.

08/27/2025

08/26/2025

🐾✨ Happy National Dog Day! ✨🐾

Meet Stella, Tat’s sweet and spoiled pitbull and our agency’s unofficial mascot. If she had her way, she’d be the official office greeter, but Heidi (our fellow co-owner) keeps pups at home so we can all stay focused. Don’t worry though, Heidi’s a dog lover too… she just knows Stella would cry for attention all day long if she was here. 💖

Speaking of pups… did you know your dog is part of your insurance picture too? Most homeowners policies cover dog-related liability, but not always every breed or situation. 🏡🐕 It’s worth checking to make sure your best friend is fully protected.

So today, give your furry friend extra love and a quick policy review. 😉

08/25/2025

A little Monday Inspiration...

08/23/2025

Got worker's comp?

08/22/2025

The insurance landscape has been particularly volatile over the past couple of years, yet this week's events have brought a renewed sense of optimism for us.

By attending Progressive's prestigious New to Blue event in Boston, an achievement reserved for fewer than 2% of agencies, we gained a deeper understanding of the industry's struggles, the obstacles confronting not only Progressive but all carriers, and their leadership's unwavering commitment to delivering solutions that benefit our clients. Moreover, we were thrilled to meet Flo!

Thank you Progressive for such an interesting meeting, complete with closing a ceremony at the Boston Musuem of Fine Arts. We loved this beautiful city and even got to take ride on the Harbor, stroll through the beautiful public garden and library.

08/20/2025

Flo says hi!

08/20/2025

Friends, we are honored to be nominated for Wichita Best's Insurance Company. If you love us, could you take a moment to vote? It is on the financial tab under insurance company. Thank you for your support. We appreciate your help!!

https://www.votewichitaks.com/?fbclid=IwY2xjawMSldpleHRuA2FlbQIxMQABHtQj7ZTvVF58ZyekwBZ-GcRxNYidGUPC2zFTblGdwjzfAvgD3PVSwRfYx9q7_aem_5-tBeyaR4i-Y3YrdrV7EZw

08/18/2025

A little Monday inspiration....

08/17/2025

🏡💼 Running a Business from Home? Here’s Why Your Homeowners Policy Might Not Have You Covered

Whether you’re baking cupcakes in your kitchen, running an Etsy shop from your spare bedroom, or consulting from your home office, you still may need a separate business insurance policy.

Here’s why:

📦 Inventory & Equipment: Homeowners insurance often won’t cover business property beyond a very small limit.

👩‍💻 Liability Risks: If a customer trips in your driveway or gets hurt using your product, that’s a business liability, not a personal one.

📑 Client Contracts: Many clients require proof of business coverage before they’ll work with you.

🚚 Deliveries & Employees: If you have people working for you or making deliveries, that’s a whole other level of coverage needed.

Having the right business policy can protect your income, your assets, and your peace of mind. A little accident can turn into a big problem.

Running a business from home is exciting, but let’s make sure it’s also protected. Give us a call and we’ll help you figure out exactly what you need.

08/16/2025

Ummm....got workers comp?