Are You Driving Under The Influence of Your Phone? 

    Posted by Soules Insurance on Tue, Mar 27, 2018

    While there are many distractions on the road today, your mobile phone is one of the worst offenders. Take this quiz to test your knowledge about distracted driving and your phone.

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    Tags: Distracted Driving Awareness Month, Distracted Driving, Distracted Driving Quiz, Driving Quiz, Phone Distraction, Travelers, Every Second Matters

    Distracted Driving - Multitasking Is Hazardous To Your Health

    Posted by Soules Insurance on Thu, Mar 22, 2018

    A recent study from the Virginia Tech Transportation Institute found that manual-visual tasks associated with hand-held devices, such as reaching for the phone or dialing, increased the risk of getting into a crash by three times. The study also reported that even hands-free devices involve manual-visual tasks at least half the time, which is associated with a greater crash risk.

    Are you fully aware of all the statistics behind distracted driving, whether those distractions are cognitive or visual? Read and share the infographic below with friends and family to see how much distracted driving puts you and others on the road at risk.

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    Tags: Distracted Driving, Multitasking, Health Hazard, Infographic, Distracted Driving Statistics, Driving Statistics

    6 risks small business owners face when they grow

    Posted by Soules Insurance on Thu, Mar 15, 2018

    Most small businesses expect to grow in 2018. With that growth, however, come risks.

    According to, 82 percent of small businesses are planning at least one type of growth – and many are planning to grow in multiple ways. The commercial insurance agency surveyed 1,006 small business owners on their expectations for the upcoming year.

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    Tags: Starting your own business, Business Coverage, At Home Business, Business Insurance, Insurance Coverage for a Small Business, Commercial Insurance, Small Business Risks, Grow Your Small Business, Insurance for Small Business

    When a "side hustle" turns into a business

    Posted by Soules Insurance on Thu, Mar 8, 2018

    Every day, millions of people throughout the U.S. spend time on hobbies. Some of these hobbies even earn income for people who are bakers, crafters, tutors, wedding planners and more. Initially, the individual may do it for free or minimal income but then sees the potential to earn more income while doing something that they love to do.

    As a "side hustle" grows into a business, it's important to be prepared for what comes with this transition. Here are some tips for those who have a hobby that earns them income:

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    Tags: Small Business, Starting your own business, Business Coverage, At Home Business, Business Insurance, Insurance Coverage for a Small Business, Commercial Insurance, Side Hustle

    IRS Issues New Tools for 2018 Tax Withholding

    Posted by Soules Insurance on Tue, Mar 6, 2018

    As of Feb. 15, 2018, employers must use new tables to determine how much income tax to withhold from their employees’ paychecks. The Internal Revenue Service (IRS) issued the required new tables in Notice 1036 on Jan. 9, 2018. The new tables are also available in IRS Publication 15.

    In addition, the IRS issued a new Form W-4 and a new withholding calculator on Feb. 28, 2018. 

    The updated tools aim to help employers improve the accuracy of their tax withholdings under changes made by the tax reform law, the Tax Cuts and Jobs Act, which was enacted on Dec. 22, 2017.

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    Tags: IRS, Taxes and Fees, Taxes, Filing Taxes, Tax Tips, New Tools, New Tools for 2018, Tax Withholding

    Top 10 Most Affordable States for Home Insurance

    Posted by Soules Insurance on Thu, Mar 1, 2018

    Homeowners nationwide must manage diverse risks. From natural disasters to robberies, there are innumerable exposures waiting to strike.

    Fortunately, a good home insurance plan can provide adequate protection. Unfortunately, a good home insurance can cost you — especially depending on where you live in the United States.

    Geography, among other variables, factors into home insurance costs. Certain states frequently suffer catastrophic losses from some type of natural disaster and home insurance accounts for this in their pricing. But while a number of states have high prices for home insurance, many do not. So which state has the most affordable home insurance?

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    Tags: Homeowner's Insurance, Homeowners', United States, Top Ten States, Affordable Homeowners Insurance, Affordable Home Insurance

    16 Items You Need in a Roadside Emergency Kit (Infographic)

    Posted by Soules Insurance on Tue, Feb 27, 2018

    When it comes to commuting or traveling long distances, a roadside emergency kit can mean the difference between getting back on the road and being stranded for hours. It's the one item every vehicle should have. And yet, most of us don't carry the basic items to help us get back on the road quickly and safely.

    A basic roadside emergency kit should include some of the following items- 

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    Tags: Create your own roadside emergency kit, Essential items, Items You Need, Roadside Emergency Kit, Roadside Emergency, Emergency Kit

    Workplace Health Brief: The Current Opioid Crisis

    Posted by Soules Insurance on Tue, Feb 20, 2018

    A recent study by the National Business Group on Health (NBGH) revealed that 80 percent of large employers are concerned about employees’ abuse of prescription opioids. 

    The government is concerned, too. With about 91 Americans dying from a prescription opioid overdose every day, the Department of Health and Human Services (HHS) declared a public health emergency in October 2017. 

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    Top 5 best states for retirement: 2018

    Posted by Soules Insurance on Thu, Feb 15, 2018

    While lots of folks may plan to age in place and stay in the homes they’ve lived in for years, others may want — or need — a change in surroundings, possibly to make retirement funds last longer or to have better (or cheaper) access to doctors, museums, beaches, mountains or family. Retirees who opt to move need to choose carefully to be sure that they’re getting the greatest benefit for the expense and effort of moving.

    Continue reading for WalletHub's 5 best states for retirement.

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    Tags: Retirement, Where to Retire, 5 Best States, Best States to Retire, Best States for Retirement

    Staged Accident Fraud - Don't Become A Victim

    Posted by Soules Insurance on Thu, Feb 8, 2018

    Staged accidents are a common type of insurance fraud. Often, dishonest drivers will manoeuvre innocent motorists into auto crashes. While your car may only suffer minor damages, fraudsters can make large claims for fake injuries or charge your auto insurance company for damage.

    Find out how you can best protect yourself against staged accident fraud.

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    Tags: auto insurance, Car Insurance, Auto Insurance Fraud, Staged Accident Fraud, Accident Fraud, Insurance Fraud