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September 15, 2023

Filkins, Colbert & Associates: Your Guide to Life Insurance Timing and Coverage Amount

Life insurance is a vital financial tool that provides peace of mind and security for your loved ones in the event of your unexpected passing. Understanding when and how much life insurance to acquire can profoundly impact your family’s financial future. In this blog, we will dissect the key factors to consider when deciding the ideal time to purchase life insurance and determining the appropriate coverage amount.

When to Buy Life Insurance from Filkins, Colbert & Associates:

When You Have Dependents: Life insurance from Filkins, Colbert & Associates becomes paramount when you have dependents. Whether you are married, have children, or support other family members, our policies guarantee their financial stability if you are no longer there to provide for them.
When You Get Married: Marriage often ushers in shared financial responsibilities. In the unfortunate event of your demise, your spouse may struggle with managing bills, mortgages, or debts. Life insurance, offered by Filkins, Colbert & Associates, can ease this burden.
When You Have Children: Welcoming children into your life brings new responsibilities. Our life insurance can cover their future educational expenses and daily needs, ensuring they enjoy a secure and comfortable life even in your absence.
When You Buy a Home: A mortgage is a substantial financial commitment. Our life insurance policies can be tailored to pay off your mortgage if something unexpected happens, safeguarding your family from losing their home.
When You Start a Business: If you are an entrepreneur or business owner, life insurance from Filkins, Colbert & Associates can safeguard your business partners and facilitate a seamless transition in the event of your passing. It can also cover business debts or enable the smooth sale of your enterprise.

How Much Life Insurance to Purchase:

Determining the appropriate amount of life insurance involves several crucial considerations:
Income Replacement: Our experienced agents recommend purchasing a policy that covers 5 to 10 times your annual income. This ensures that your family can maintain their lifestyle and meet their financial goals.
Outstanding Debts: Take stock of your outstanding debts, including mortgages, car loans, and credit card balances. Our life insurance policies are designed to provide financial relief by covering these debts.
Education Expenses: If you have children, estimate the cost of their education, and include it in your coverage calculation. This encompasses college tuition and other educational expenses.
Final Expenses: Funerals and burials can be costly. Rest assured that our policies can cover these expenses, sparing your family from additional financial stress during a difficult time.
Future Needs: Contemplate future financial requirements, such as retirement funds, medical bills, and emergency funds for your family. Our customizable life insurance plans can be tailored to accommodate these needs.
Inflation: Recognize that the cost-of-living increases over time.

Review Your Policy Regularly with Filkins, Colbert & Associates:

Life insurance needs evolve over time. Regularly reviewing your policy is crucial, especially after significant life events like marriage, the birth of children, or notable changes in your financial situation. Count on our experienced team to help you adjust your coverage to align with your family’s evolving needs.

Life insurance from Filkins, Colbert & Associates is an indispensable component of sound financial planning. It offers a safety net for your loved ones precisely when they need it most. Deciding when to purchase and how much to acquire involves thoughtful consideration of your current financial situation, future aspirations, and your family’s requirements. By investing time in evaluating your circumstances and consulting with our dedicated agents, you can rest assured that your life insurance policy will provide the vital protection and peace of mind your family deserves. Contact Filkins, Colbert & Associates today to begin securing your family’s future.

August 24, 2023

Understanding General Liability Insurance: A Comprehensive Guide by Filkins, Colbert & Associates

In today’s competitive business landscape, protecting your company from potential risks and liabilities is of utmost importance. One essential tool for safeguarding your business is General Liability Insurance. At Filkins, Colbert & Associates, we understand the significance of this coverage, and we’re here to provide you with a comprehensive guide to help you navigate the world of General Liability Insurance.

What is General Liability Insurance?

General Liability Insurance is a fundamental type of business insurance that offers protection against a range of potential liabilities arising from day-to-day operations. From bodily injuries to property damage and even legal claims, this insurance provides financial security for your business and its assets.

Why General Liability Insurance Matters for Businesses

When operating a business, it’s crucial to be aware of the specific risks associated with your area. General Liability Insurance is particularly vital for businesses here due to the bustling commercial environment, diverse clientele, and the potential for unexpected accidents. Whether you run a small retail shop, a service-based business, or a larger enterprise, having the right insurance coverage can make all the difference.

Coverage Highlights

Bodily Injury Coverage: Accidents happen, and if someone is injured on your business premises, you could be held liable for medical expenses. General Liability Insurance covers these costs, ensuring that your business’s financial stability remains intact.

Property Damage Coverage: Whether you accidentally damage a client’s property during work or a customer’s personal belongings are harmed on your premises, this insurance provides coverage for the repair or replacement costs.
Advertising and Personal Injury Coverage: If your business’s advertising inadvertently causes reputational harm or if you’re accused of libel, slander, or copyright infringement, General Liability Insurance can help cover legal costs and potential settlements.
Legal Defense Costs: In the event of a lawsuit, legal fees can quickly accumulate. General Liability Insurance assists in covering the costs of hiring an attorney, court fees, and other legal expenses.

Customized Solutions from Filkins, Colbert & Associates

At Filkins, Colbert & Associates, we recognize that every business is unique. We tailor our General Liability Insurance solutions to fit the specific needs of your company. Our experienced agents work closely with you to understand your operations, potential risks, and budgetary considerations to create a policy that offers comprehensive protection.

Steps to Procure General Liability Insurance:

  • Assessment: Our team will conduct a thorough assessment of your business’s operations and risks to determine the appropriate coverage level.
  • Policy Customization: Based on the assessment, we’ll customize a General Liability Insurance policy that addresses your specific needs and concerns.
  • Quote Generation: We’ll provide you with a detailed quote outlining the coverage and associated costs.
  • Policy Review: Our experts will walk you through the policy, explaining the terms and conditions, coverage limits, and any exclusions.
  • Policy Activation: Once you’re satisfied with the policy, we’ll activate your General Liability Insurance, ensuring your business is protected from day one.

As a business owner in Filkins, Colbert & Associates, safeguarding your enterprise is paramount. General Liability Insurance from Filkins, Colbert & Associates offers a robust safety net against potential liabilities, allowing you to focus on growing your business with peace of mind. Contact us today to discover how we can tailor a comprehensive insurance solution to fit your business’s unique needs. Your success is our priority, and we’re here to support you every step of the way.

July 31, 2023

Personal Umbrella Insurance: Protecting Your Future with Filkins, Colbert & Associates

Life is full of unexpected twists and turns, and while we cannot foresee every event, we can take proactive steps to protect ourselves and our loved ones from potential financial hardships. At Filkins, Colbert & Associates, we understand the significance of safeguarding your assets and securing your future. In this blog, we will discuss the importance of personal umbrella insurance and how partnering with Filkins, Colbert & Associates can provide you with the comprehensive protection you need.

What is Personal Umbrella Insurance?

Personal umbrella insurance is an extra layer of liability coverage that goes beyond the limits of your primary insurance policies. It acts as a protective “umbrella” to shield your assets and future income from unexpected and costly events that could lead to lawsuits and significant financial burdens.

The Importance of Personal Umbrella Insurance with Filkins, Colbert & Associates

Expanded Liability Coverage:
At Filkins, Colbert & Associates, we recognize that accidents can happen to anyone, and liability claims can be financially devastating. Personal umbrella insurance extends your liability coverage, providing an added layer of protection that can make all the difference when faced with a lawsuit.

Protection for Your Assets:
Your hard-earned assets, such as your home, savings, investments, and valuable possessions, could be at risk if you face a lawsuit beyond the limits of your primary insurance policies. Our personal umbrella insurance ensures that your assets remain safeguarded, giving you peace of mind and financial security.

Peace of Mind for Life’s Uncertainties:
Life is unpredictable, and even minor incidents can lead to significant legal and medical expenses. With Filkins, Colbert & Associates’ personal umbrella insurance, you can enjoy life without constant worries, knowing that you have an extra safety net in place.

Cost-Effective Coverage:
Contrary to popular belief, personal umbrella insurance is an affordable solution for the extensive coverage it provides. Our expert team will work closely with you to find the best policy that meets your needs and budget.

Tailored Solutions for You:
At Filkins, Colbert & Associates, we understand that each individual’s insurance requirements are unique. Our experienced professionals will assess your specific needs, lifestyle, and risks to craft a personalized personal umbrella insurance plan that suits you perfectly.

Trusted Insurance Experts:
With years of experience in the insurance industry, Filkins, Colbert & Associates has earned a reputation as a trusted insurance agency. Our team is committed to providing exceptional customer service, quick response times, and ongoing support whenever you need it.

Life’s uncertainties can be daunting, but with the right insurance protection, you can face them with confidence. Personal umbrella insurance from Filkins, Colbert & Associates is a crucial safety net that shields your assets and future from unforeseen events and potential lawsuits.

Don’t leave your financial security to chance. Partner with Filkins, Colbert & Associates today to explore the importance of personal umbrella insurance and get the peace of mind you deserve. Safeguard your future with us and let our team of experts tailor the perfect personal umbrella insurance plan just for you. Get in touch with us today to secure your financial well-being for tomorrow.

June 21, 2023

Understanding Certificates of Insurance: A Guide by Filkins, Colbert & Associates Inc.

Discover the importance of Certificates of Insurance and how they protect your business. Filkins, Colbert & Associates Inc. provides valuable insights on COIs and their significance in managing risk and ensuring compliance.

Welcome to the official blog of Filkins, Colbert & Associates Inc. In this article, we will delve into the world of Certificates of Insurance (COIs) and shed light on their significance for businesses. Understanding COIs is crucial for managing risk, ensuring compliance, and safeguarding your company’s interests. Let’s explore the key aspects of Certificates of Insurance and how they play a vital role in protecting your business.

What is a Certificate of Insurance?

A Certificate of Insurance is a document issued by an insurance provider that serves as proof of insurance coverage. It outlines the policyholder’s insurance details, including the type of coverage, policy limits, effective dates, and the name of the insurance carrier. COIs are typically requested by third parties, such as clients, vendors, or landlords, to verify that a business has the necessary insurance coverage.

Importance of Certificates of Insurance:

Risk Mitigation: COIs help mitigate risks by ensuring that businesses have appropriate insurance coverage. By verifying insurance details, businesses can reduce the potential liability arising from unforeseen events or accidents.

Compliance with Contractual Requirements: Many contracts and agreements require proof of insurance coverage. COIs act as evidence of compliance with these contractual obligations, allowing businesses to proceed with partnerships, projects, or leases.

Building Trust and Credibility: Providing a COI to clients, customers, or partners instills confidence in your business. It demonstrates that you take risk management seriously and have taken steps to protect your company’s interests.

Components of a Certificate of Insurance:

Insured Information: This section includes the name and contact details of the policyholder.

Certificate Holder: This section includes the name and contact details of the party requesting the Certificate of Insurance from the policyholder.

Insurance Carrier: It specifies the name of the insurance company providing coverage and their contact information.

Policy Details: This section outlines the policy type, limits of liability, effective dates, and any applicable deductibles.

Additional Insured: If required, this section lists other parties, such as clients or vendors, who are included as additional insured on the policy.

Requesting and Reviewing COIs:

Proper Documentation: When requesting COIs from vendors or subcontractors, it is essential to ensure that the documents are accurate, up-to-date, and meet your specific requirements.
Adequate Coverage: Assess the policy limits and coverage types to ensure they align with your contractual obligations and adequately protect your business.

Partnering with Filkins, Colbert & Associates Inc.:

Trusted Insurance Advisors: At Filkins, Colbert & Associates Inc., we understand the importance of comprehensive insurance coverage for businesses. Our experienced team can help you navigate the complexities of insurance and assist in obtaining accurate and reliable Certificates of Insurance.

Customized Solutions: We work closely with our clients to identify their unique insurance needs and provide tailored solutions that align with their risk management goals. Unlike many of our competitors we do not send our certificate of insurance requests offshore and instead we handle them in house, which allows accurate and quick certificates of insurance for our clients.

Compliance and Risk Management: Our expertise extends beyond COIs. We can help you assess your overall insurance needs, identify potential risks, and develop strategies to protect your business from unexpected events.

Certificates of Insurance are crucial documents that validate a business’s insurance coverage and provide assurance to stakeholders. Filkins, Colbert & Associates Inc. is dedicated to helping businesses understand and obtain accurate COIs that meet their specific requirements. By partnering with our experienced team, you can effectively manage risks.

June, 5, 2023

Overcoming Insurance Challenges for EIFS Contractors: A Guide to EIFS Insurance and Coverage by Filkins, Colbert & Associates

Discover why EIFS contractors face insurance hurdles and how Filkins, Colbert & Associates can help navigate the complexities to secure reliable EIFS insurance coverage. Learn about risk mitigation strategies and industry best practices for EIFS contractors.

Welcome to the Filkins, Colbert & Associates blog! In this article, we delve into the insurance challenges faced by EIFS (Exterior Insulation and Finish System) contractors and explore how our team can assist in overcoming these hurdles. With our expertise in EIFS insurance and coverage, we aim to provide valuable insights and guidance to EIFS contractors seeking reliable insurance solutions.

Understanding the EIFS Insurance Landscape:

EIFS contractors often encounter difficulties when it comes to obtaining insurance coverage for their projects. This is primarily due to the perceived risks associated with EIFS cladding systems. Insurers exercise caution due to past instances of moisture-related problems, including water intrusion and mold growth, linked to improperly installed or maintained EIFS. These issues have resulted in costly repairs and legal disputes, leading insurers to view EIFS contractors as higher risk.

How Filkins, Colbert & Associates Can Help with EIFS Insurance:

Specialized Expertise in EIFS Insurance: At Filkins, Colbert & Associates, we possess a deep understanding of the unique challenges faced by EIFS contractors in obtaining insurance coverage. Our team specializes in construction industry insurance, with a focus on EIFS insurance and coverage. We leverage this expertise to guide clients through the complexities of EIFS insurance procurement. Additionally, you can find us listed on the EIMA website under “Insurance Brokers Who are Knowledgeable about EIFS”.

Risk Mitigation Strategies for EIFS Contractors: We assist EIFS contractors in implementing risk mitigation strategies that enhance their insurability and help secure EIFS coverage. One of the most effective ways to mitigate risk is by becoming certified by the EIFS providers you use. By demonstrating a commitment to best practices, contractors can present a more favorable risk profile to insurers, facilitating the acquisition of EIFS insurance coverage.

Effective Claims History Management: Our team advises EIFS contractors on effective claims management practices to maintain a favorable claims history, an essential factor in securing EIFS insurance coverage. By promptly addressing any issues, diligently documenting projects, and implementing corrective measures when necessary, contractors can demonstrate their dedication to minimizing risks and maintaining a positive claims history.

Access to EIFS Insurance Markets: Filkins, Colbert & Associates maintains strong relationships with insurance companies specializing in construction and EIFS-related coverage. Leveraging our extensive network, we help EIFS contractors connect with insurers who understand the nuances of their industry and offer comprehensive EIFS insurance options. This access to a wide range of EIFS insurance markets ensures contractors can find suitable coverage tailored to their specific needs.


EIFS contractors face unique challenges when it comes to securing insurance coverage due to perceived risks and past issues associated with these cladding systems. However, by partnering with an experienced insurance broker like Filkins, Colbert & Associates, EIFS contractors can navigate these challenges effectively. Our specialized expertise in EIFS insurance, risk mitigation strategies, effective claims history management, and access to EIFS insurance markets enable us to provide tailored solutions that meet the unique needs of EIFS contractors.

Contact Filkins, Colbert & Associates today to explore how we can assist you in obtaining reliable EIFS insurance coverage for your projects. Let our team be your trusted partner in mitigating risks and ensuring the success of your EIFS endeavors.

May 24, 2023

Insuring Your Future in Marietta, GA: Filkins, Colbert & Associates

When it comes to safeguarding your future in Marietta, Georgia, insurance is an essential investment. At Filkins, Colbert & Associates, we understand the importance of protecting what matters most to you. As a leading insurance agency in Marietta since 1973, we offer comprehensive coverage options tailored to your specific needs. In this blog post, we will explore the world of insurance in Marietta and how our team at Filkins, Colbert & Associates can assist you in making informed decisions that optimize your protection.

Understanding Insurance in Marietta, GA:

Marietta, GA, is a vibrant city with diverse insurance needs from Kennesaw Mountain to Marietta Square and all the way to the Big Chicken. At Filkins, Colbert & Associates, we specialize in providing a wide range of insurance options to the residents of Marietta and beyond. Our offerings include auto, home, life, and business insurance, ensuring that you have the necessary coverage for every aspect of your life.

Car Insurance in Marietta, GA:

Navigating the bustling streets of Marietta requires reliable car insurance. At Filkins, Colbert & Associates, we offer customizable car insurance policies that provide financial protection and peace of mind. Whether you need coverage for liability, collision, or comprehensive, our experienced team will guide you through the process, ensuring you find the policy that best suits your needs and budget.

Home Insurance in Marietta, GA:

Your home is a valuable asset that deserves protection. Over the last 3 years the median sales price for a home in Marietta has gone from $305,000 to $425,000 (per Redfin) an increase of almost 40%! Our dedicated team at Filkins, Colbert & Associates offers comprehensive home insurance options in Marietta. From safeguarding your dwelling and personal belongings to liability coverage, we tailor our policies to provide the necessary protection for your home. With our expertise, you can feel confident that your most significant investment is secure.

Life Insurance in Marietta, GA:

Planning for the future means protecting your loved ones, even in your absence. Our team understands the importance of life insurance and provides tailored solutions to meet your specific needs. Whether you require term life, whole life, or universal life insurance, we will guide you through the process, ensuring your family’s financial security and peace of mind.

Business Insurance in Marietta, GA:

Marietta’s thriving business community deserves comprehensive insurance coverage. At Filkins, Colbert & Associates, we specialize in providing business insurance solutions designed to protect your assets and ensure continuity of your business. From property and liability coverage to workers’ compensation and business interruption insurance, our team will customize a policy that safeguards your business’s future. Need bonds? We can handle that too, often times in house and in a short period of time.

Choose Filkins, Colbert & Associates for Your Insurance Needs:

At Filkins, Colbert & Associates, we prioritize your peace of mind and financial security. As a leading insurance agency in Marietta since 1973, our commitment to exceptional service and personalized attention sets us apart. With our extensive knowledge, industry expertise, and access to a wide range of insurance carriers, we will help you make informed decisions that optimize your protection.