May 29, 2025
AgencyTop Business Insurance Trends in 2025
The business world is constantly evolving, potentially requiring owners to make critical decisions on strict timelines. As companies navigate through 2025, several key trends are shaping the business insurance landscape across many sectors. At Koziura Insurance Agency, we’re committed to helping you navigate the coming year and maintain ideal coverage. 5 Key Business Trends Affecting […]
March 24, 2025
AgencyCan Life Insurance Be an Investment? Exploring Cash Value Policies
Life insurance is traditionally viewed as a way to offer financial security for loved ones after one’s death. However, certain types of life insurance, known as cash value policies, offer an investment component that can be leveraged during the policyholder’s lifetime. But can life insurance be considered an investment? What Are Cash Value Policies? Cash […]
February 26, 2025
AgencyThe Role of Business Interruption Insurance for Hotels and Restaurants
Owning and operating a business in the hospitality industry can be lucrative, rewarding and enjoyable. However, these operations often include extensive risks and exposures, and even slight mishaps could have far-reaching financial ramifications. Accidents, errors or other unexpected situations that impede your business’s ability to operate as usual can be particularly consequential. At , we’re […]
January 28, 2025
AgencyHow Seasonal Businesses Can Optimize Their Insurance Coverage
Seasonal businesses, such as ski resorts, summer camps and holiday shops, face unique challenges when it comes to insurance coverage. These businesses operate during specific times of the year, meaning their insurance needs can fluctuate significantly. Business Insurance Tips for Seasonal Operations The following are some strategies to help seasonal businesses optimize their insurance coverage: […]
December 20, 2024
AgencyCommon Insurance Exclusions to Watch Out for in Restaurant Insurance
Regardless of its size, specialty or subsector, all restaurants include inherent risks and exposures. As an owner or operator, you must be vigilant in recognizing, analyzing and addressing these threats, as even slight mishaps could incur significant consequences. That’s where restaurant insurance can play a pivotal role in your financial stability. However, while you may […]
January 19, 2024
AgencyWhy You Should Work With an Independent Insurance Agency
Sometimes, you might see advertisements for cheap auto insurance that offers fast, easy enrollment online without the hassle of talking to a pushy salesperson. This might sound like it’s a simple, practical way to get the auto insurance you need as efficiently as possible. However, is it really a wise step to take? Should you […]