May 2025 Update – Protecting What Matters Most
May 1, 2025With vacation season in full swing and a new quarter underway, it’s the perfect time to make sure your insurance is keeping pace with life. In this month’s newsletter, we’re highlighting timely coverage tips, digital protection insights, and a few ways to avoid costly oversights — all while sharing what makes working with an independent agent so valuable in 2025.
💳 Avoid Late Fees — Get Set Up on Autopay
Whether it’s for your auto policy or your business package, autopay is an easy win for your wallet and your peace of mind.
Why we recommend it:
- Avoid late fees and lapses in coverage
- Set it and forget it — no check-writing or missed deadlines
- Many carriers offer small discounts for enrolling
✅ We can help you get enrolled in minutes. Just shoot us an email at Service@engelsins.com.
📩 Audit Season Reminder: Why Timely Completion Matters
For our commercial clients, audit season is underway, and completing your insurance audits on time is critical.
Here’s why:
- Carriers use audits to ensure accurate coverage based on actual payroll or revenue
- Late or incomplete audits can result in non-compliance fees or policy cancellations
- Overreporting or underreporting can affect your premium, and audit results may impact renewal terms
💡 Need help preparing for an audit? Reach out — we’re happy to walk you through it.
🔐 Cyber Insurance: Are You Covered Against Digital Risk?
Cybercrime isn’t just a big-business problem — personal and small business cyber incidents are rising fast.
Whether it’s identity theft, ransomware, or financial fraud, the digital world now carries very real insurance risks.
Cyber coverage can protect against:
- Business interruption due to cyberattack
- Identity theft and fraud costs
- Ransomware and phishing recovery
- Legal fees and data loss
📩 If you’re unsure whether you’re protected, we’d love to help you review your options.
🤝 Why Having an Independent Agent Still Matters in 2025
In a time of online quotes and quick clicks, working with an independent agency like ours gives you something no algorithm can: personalized guidance and real choice.
✅ We shop multiple carriers to find the best rate and fit
✅ We offer unbiased advice, always based on your needs
✅ We’re here when it counts, especially at claim time
Bottom line? We’re not just here to sell a policy. We’re here to help you protect what matters — now and down the road.
Engels Family Spotlight
This month brought a major milestone for our family — our oldest daughter earned her black belt at Dragon Gym! We are incredibly proud of her discipline, perseverance, and focus. Watching her commit to something challenging and follow through with such determination has been nothing short of inspiring.
Moments like these remind us of what we value most — not just as parents, but as business owners: hard work, consistency, and showing up for others.
These are the same values we strive to bring to our clients every day. Whether we’re reviewing your coverage, helping you file a claim, or simply answering a question, we’re committed to delivering service with integrity, resilience, and heart.
Your Coverage Ninjas – We Got You
Just like our oldest daughter showed black belt dedication at the dojo, we bring that same ninja-level focus to protecting what matters most in your world — every day, all year long. 💪🥋
Whether you have a quick question, need a full policy review, or want to explore new coverage options, we’re here, swift, skilled, and always ready to help.
Thank you for trusting Engels Insurance Inc. It’s an honor to serve your family, your business, and your peace of mind.
Wishing you a safe, sunny, and joy-filled summer!
Chris & Betsy Engels
Engels Insurance Inc.