Leigh Insurance Agency of St Augustine Blog |
 Thanksgiving is a time to gather, give thanks, and (let’s be honest) eat way too much pie. But between the hot ovens, crowded kitchens, and visiting relatives, it’s also one of the most accident-prone times of the year for homeowners. To help you focus on what really matters — family, friends, and gratitude — here are five safety tips that keep your home protected and your holiday running smoothly.
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 In today's digital-first world, cyber threats are not just a concern for large corporations—they're a growing risk for small businesses too. As technology becomes more integral to daily operations, the potential for cyberattacks increases. For small businesses, a single cyber incident can be financially devastating. This is why cyber insurance is no longer optional; it's a crucial part of a comprehensive risk management strategy.
 In today's rapidly evolving digital landscape, artificial intelligence (AI) is transforming industries across the board. From automating routine tasks to enhancing data analytics, AI's capabilities are expanding daily. However, when it comes to the nuanced and deeply personal realm of insurance, AI faces significant limitations. The relationship between you and your insurance agent is built on trust, empathy, and personalized service—qualities that AI cannot replicate.
 Before kickoff, give your insurance a pre-game check.
It’s that time of year again — crisp fall air, rivalries heating up, and the smell of burgers on the grill in stadium parking lots and backyards everywhere. Tailgating and football parties are some of the best traditions of the season. But while you’re planning the snacks and setting up that big-screen TV, it’s worth asking: is your insurance ready for game day, too?  As summer winds down and cooler weather rolls in, September is the perfect time to give your vehicle a little extra attention. Seasonal changes can impact everything from tire pressure to visibility, and taking care of your car now can save you from costly repairs — and even accidents — later.
Should You Close Vents in Unused Rooms During Summer? An Experienced HVAC Professional Explains8/13/2025  This seemingly smart summer habit could be harming your HVAC system. With another record-setting summer underway and AC units working around the clock, many of us are looking for ways to cut down on our electricity bills.
 Vehicles often form the backbone of many businesses—whether for delivering supplies, transporting equipment, or servicing clients. Given the uncertainties of weather, economic pressures, and operational risks, having the right commercial auto insurance isn’t just wise—it’s essential for protecting your business, your team, and your financial foundation.
Legal Requirements & Core Coverage Most jurisdictions mandate minimum liability coverage for commercial vehicles to cover medical and property damage costs in the event of an accident. While these requirements offer basic protection, businesses—especially those operating heavier or federally regulated vehicles—may find it wise to opt for higher coverage limits.  When you purchase life insurance, you agree to pay monthly premiums and hope the death benefit is enough to protect your family should something unexpected happen. If you have ever felt that your premium is higher than expected, you are not alone. Understanding the factors that determine how much you will pay each month. Insurance companies use the following risk factors to calculate your premiums:
 In today’s fast-paced business world, employees’ health can take a back seat to deadlines, meetings, and day-to-day work. However, employee wellness is not just a nice thing but an essential component of a thriving business. Online employee wellness programs are gaining traction for a good reason. They offer a practical solution to keeping your team healthy, engaged, and more productive without the burden of juggling schedules or dealing with outdated, inconvenient wellness initiatives.
 Building a business involves making countless vital decisions, including hiring the right team, buying the right software, and finding a suitable space. Understanding the basics of insurance coverage may be glossed over during day-to-day operations. Insurance is one of the behind-the-scenes essentials that can make or break financial stability when the unexpected occurs. It is vital that you fully understand Your policy limits and deductibles.
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