--- title: Straight Talk - The Arnold Insurance Blog (3) description: Straight Talk - Arnold Insurance blog with tips, stories & information. (3) --- Contact Us [![Arnoldic](https://blog.myarnoldteam.com/hs-fs/hubfs/raw_assets/public/Arnoldic_August2022/images/new-header-image.png?width=413&height=135&name=new-header-image.png "Arnoldic")](https://www.arnoldic.com/) - [Company](https://www.myarnoldteam.com/) - [Why Arnold Insurance?](https://www.myarnoldteam.com/about) - [Leadership Team](https://www.myarnoldteam.com/copy-of-insurance-executives) - [Insurance Executives](https://www.myarnoldteam.com/team) - Locations - [Cape Girardeau](https://www.myarnoldteam.com/cape-girardeau) - [St. Louis](https://www.myarnoldteam.com/stlouis) - [Denver](https://www.myarnoldteam.com/denver) - [Jackson](https://www.myarnoldteam.com/jackson) - [Alexandria](https://www.myarnoldteam.com/alexandria) - [Scott City](https://www.myarnoldteam.com/scotty-city) - [Sikeston](https://www.myarnoldteam.com/sikeston) - [Phoenix](https://www.myarnoldteam.com/phoenix) - Personal - [Auto Insurance](https://www.myarnoldteam.com/auto) - [Home Insurance](https://www.myarnoldteam.com/home-insurance) - [Renters Insurance](https://www.myarnoldteam.com/renters) - [Boat Insurance](https://www.myarnoldteam.com/boat) - Commercial - [Business Owners Coverage](https://www.myarnoldteam.com/business-owners-policy) - [General Liability Coverage](https://www.myarnoldteam.com/general-liability) - [Property Coverage](https://www.myarnoldteam.com/commercial-property) - [Towing Coverage](https://www.myarnoldteam.com/towing) - [Bonding](https://myarnoldteam.propeller.insure/axelerator-public/) - [Health](https://www.myarnoldteam.com/group-health) - [Resources](https://www.arnoldic.com/) - [Straight Talk/Blog](https://blog.myarnoldteam.com/straight-talk) - [Testimonials](https://www.myarnoldteam.com/?__hstc=243107421.e0f7ab11dab606bb386a0f5f4de1c634.1676410558906.1676410558906.1676410558906.1&__hssc=243107421.5.1676410558906&__hsfp=69714730) - [Bonus Tools](https://info.myarnoldteam.com/free-resources-from-arnold-insurance-company) - [Contact](https://www.myarnoldteam.com/contact) [![Request A Quote](https://no-cache.hubspot.com/cta/default/8185661/01c532b0-a201-443b-8414-aa6d9c4e6106.png)](https://cta-redirect.hubspot.com/cta/redirect/8185661/01c532b0-a201-443b-8414-aa6d9c4e6106) - [Company](https://www.myarnoldteam.com/about) - [Why Arnold Insurance?](https://www.myarnoldteam.com/about) - [Leadership Team](https://www.myarnoldteam.com/copy-of-insurance-executives) - [Insurance Executives](https://www.myarnoldteam.com/team) - Locations - [Cape Girardeau](https://www.myarnoldteam.com/cape-girardeau) - [St. Louis](https://www.myarnoldteam.com/stlouis) - [Denver](https://www.myarnoldteam.com/denver) - [Jackson](https://www.myarnoldteam.com/jackson) - [Alexandria](https://www.myarnoldteam.com/alexandria) - [Scott City](https://www.myarnoldteam.com/scotty-city) - [Sikeston](https://www.myarnoldteam.com/sikeston) - [Phoenix](https://www.myarnoldteam.com/phoenix) - Personal - [Auto Insurance](https://www.myarnoldteam.com/auto) - [Home Insurance](https://www.myarnoldteam.com/home-insurance) - [Renters Insurance](https://www.myarnoldteam.com/renters) - [Boat Insurance](https://www.myarnoldteam.com/boat) - Commercial - [Business Owners Coverage](https://www.myarnoldteam.com/business-owners-policy) - [General Liability Coverage](https://www.myarnoldteam.com/general-liability) - [Property Coverage](https://www.myarnoldteam.com/commercial-property) - [Towing Coverage](https://www.myarnoldteam.com/towing) - [Bonding](https://myarnoldteam.propeller.insure/axelerator-public/) - [Health](https://www.myarnoldteam.com/group-health) - Resources - [Straight Talk | Blog](https://blog.myarnoldteam.com/straight-talk) - [Testimonials](https://www.myarnoldteam.com/?__hstc=243107421.e0f7ab11dab606bb386a0f5f4de1c634.1676410558906.1676410558906.1676410558906.1&__hssc=243107421.5.1676410558906&__hsfp=69714730) - [Bonus Tools](https://info.myarnoldteam.com/free-resources-from-arnold-insurance-company) - [Contact](https://www.myarnoldteam.com/contact) - [Request a Quote](https://www.myarnoldteam.com/quote) ![shutterstock_1919408156-1](https://blog.myarnoldteam.com/hubfs/shutterstock_1919408156-1.jpeg) ### Straight Talk [Liability](https://blog.myarnoldteam.com/straight-talk/tag/liability), [Insurance](https://blog.myarnoldteam.com/straight-talk/tag/insurance), [Umbrella](https://blog.myarnoldteam.com/straight-talk/tag/umbrella), [boat](https://blog.myarnoldteam.com/straight-talk/tag/boat) ## [Is Your Boat Properly Insured? Coverage Essentials for a Worry-Free Summer](https://blog.myarnoldteam.com/straight-talk/is-your-boat-properly-insured) There’s nothing quite like a sun-soaked day on the lake. You’ve got open water ahead, everyone’s... 4 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/is-your-boat-properly-insured) [small business](https://blog.myarnoldteam.com/straight-talk/tag/small-business), [Small Business Insurance](https://blog.myarnoldteam.com/straight-talk/tag/small-business-insurance), [Commercial Insurance](https://blog.myarnoldteam.com/straight-talk/tag/commercial-insurance) ## [6 Common Health Insurance Mistakes Employers Make (And How to Avoid Them)](https://blog.myarnoldteam.com/straight-talk/6-common-health-insurance-mistakes-employers-make) Choosing a group health plan isn’t just about ticking off a box on your HR to-do list. For most... 4 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/6-common-health-insurance-mistakes-employers-make) [Insurance Tips for Restaurant Owners](https://blog.myarnoldteam.com/straight-talk/tag/insurance-tips-for-restaurant-owners), [Commercial Insurance](https://blog.myarnoldteam.com/straight-talk/tag/commercial-insurance) ## [Insurance Gaps That Could Cost Your Restaurant Thousands](https://blog.myarnoldteam.com/straight-talk/insurance-gaps-that-could-cost-your-restaurant-thousands) Running a restaurant means juggling a never-ending list of responsibilities while trying to deliver... 4 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/insurance-gaps-that-could-cost-your-restaurant-thousands) [Captive Insurance](https://blog.myarnoldteam.com/straight-talk/tag/captive-insurance) ## [The Good, the Bad, and the Captive: Comparing Different Insurance Structures](https://blog.myarnoldteam.com/straight-talk/the-good-the-bad-and-the-captive) Choosing the right insurance can feel like shopping for shoes in a store where every pair looks the... 4 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/the-good-the-bad-and-the-captive) [Personal Property Supplemental Insurance](https://blog.myarnoldteam.com/straight-talk/tag/personal-property-supplemental-insurance), [Business Personal Property Insurance](https://blog.myarnoldteam.com/straight-talk/tag/business-personal-property-insurance) ## [How Property Insurance Protects Against Vandalism, Theft, and More](https://blog.myarnoldteam.com/straight-talk/how-property-insurance-protects-against-vandalism-theft-and-more) Property ownership comes with its fair share of responsibilities—and risks. Whether you’re a... 3 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/how-property-insurance-protects-against-vandalism-theft-and-more) [risks](https://blog.myarnoldteam.com/straight-talk/tag/risks), [Commercial Insurance](https://blog.myarnoldteam.com/straight-talk/tag/commercial-insurance), [Commercial Insurance Handbook](https://blog.myarnoldteam.com/straight-talk/tag/commercial-insurance-handbook) ## [10 Common Risks Covered by Commercial Insurance and Why They Matter](https://blog.myarnoldteam.com/straight-talk/10-common-risks-covered-by-commercial-insurance) If you’re a business owner or entrepreneur, you know that running a business involves taking... 5 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/10-common-risks-covered-by-commercial-insurance) [Car](https://blog.myarnoldteam.com/straight-talk/tag/car), [auto insurance](https://blog.myarnoldteam.com/straight-talk/tag/auto-insurance), [auto](https://blog.myarnoldteam.com/straight-talk/tag/auto) ## [April is Distracted Driving Awareness Month: Why It Matters for Your Insurance Rates](https://blog.myarnoldteam.com/straight-talk/april-is-distracted-driving-awareness-month-why-it-matters-for-your-insurance-rates) When you’re behind the wheel, a momentary distraction can change everything. April is Distracted... 4 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/april-is-distracted-driving-awareness-month-why-it-matters-for-your-insurance-rates) [Small Business Insurance](https://blog.myarnoldteam.com/straight-talk/tag/small-business-insurance), [Business Personal Property Insurance](https://blog.myarnoldteam.com/straight-talk/tag/business-personal-property-insurance), [Taxes](https://blog.myarnoldteam.com/straight-talk/tag/taxes) ## [Preparing for Tax Season: How Business Insurance Impacts Your Deductions](https://blog.myarnoldteam.com/straight-talk/preparing-for-tax-season) Tax season can be one of the most stressful times of the year for business owners. Between... 3 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/preparing-for-tax-season) [safety](https://blog.myarnoldteam.com/straight-talk/tag/safety), [worker's compensation](https://blog.myarnoldteam.com/straight-talk/tag/workers-compensation), [workplace](https://blog.myarnoldteam.com/straight-talk/tag/workplace), [employee](https://blog.myarnoldteam.com/straight-talk/tag/employee), [employees](https://blog.myarnoldteam.com/straight-talk/tag/employees), [worker's comp](https://blog.myarnoldteam.com/straight-talk/tag/workers-comp), [Construction](https://blog.myarnoldteam.com/straight-talk/tag/construction) ## [Workers Compensation: 1099 Employees & Workers Comp](https://blog.myarnoldteam.com/straight-talk/workers-compensation-1099-employees-workers-comp) Originally published April 26, 2022; updated March 4, 2025. Businesses are required by law to have... 4 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/workers-compensation-1099-employees-workers-comp) [Commercial Insurance](https://blog.myarnoldteam.com/straight-talk/tag/commercial-insurance), [Broker](https://blog.myarnoldteam.com/straight-talk/tag/broker) ## [Strategies for Securing the Right Coverage in a Challenging Property Market](https://blog.myarnoldteam.com/straight-talk/strategies-for-securing-the-right-coverage-in-a-challenging-property-market) The property market is no stranger to challenges. With rising property values, soaring repair... 4 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/strategies-for-securing-the-right-coverage-in-a-challenging-property-market) [Commercial Insurance](https://blog.myarnoldteam.com/straight-talk/tag/commercial-insurance), [Broker](https://blog.myarnoldteam.com/straight-talk/tag/broker) ## [When to Consider a Broker of Record Change: Signs It’s Time to Switch](https://blog.myarnoldteam.com/straight-talk/when-to-consider-a-broker-of-record-change) Is your current insurance broker truly meeting your business needs? If you’ve never thought to ask... 4 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/when-to-consider-a-broker-of-record-change) [Broker](https://blog.myarnoldteam.com/straight-talk/tag/broker) ## [Thriving in a Hard Market: How the Right Broker Can Be Your Greatest Asset](https://blog.myarnoldteam.com/straight-talk/thriving-in-a-hard-market) If you’ve noticed your insurance rates skyrocketing or policies becoming stricter, you may be... 3 minute read [Read More](https://blog.myarnoldteam.com/straight-talk/thriving-in-a-hard-market) Search for Content by Topic: - There are no suggestions because the search field is empty. ### Top Posts [Prev](https://blog.myarnoldteam.com/straight-talk/page/2) [1](https://blog.myarnoldteam.com/straight-talk) [2](https://blog.myarnoldteam.com/straight-talk/page/2) [3](https://blog.myarnoldteam.com/straight-talk/page/3) [4](https://blog.myarnoldteam.com/straight-talk/page/4) [5](https://blog.myarnoldteam.com/straight-talk/page/5) [Next](https://blog.myarnoldteam.com/straight-talk/page/4) [Contact 800-397-2427](tel:800-397-2427) [Info@myarnoldteam.com](mailto:Info@myarnoldteam.com) Headquarters [875 North Kingshighway Blvd Cape Girardeau, MO 63701 ](https://g.page/cape-aic?share) - Quick Links - [Home Insurance](https://www.myarnoldteam.com/home-insurance) - [Auto Insurance](https://www.myarnoldteam.com/auto) - [Commercial Insurance](https://www.myarnoldteam.com/commercial) - [Request a Quote](https://www.myarnoldteam.com/quote) [![Request A Quote](https://no-cache.hubspot.com/cta/default/8185661/22553026-7a22-4dd6-a529-8d6be5f4959b.png)](https://cta-redirect.hubspot.com/cta/redirect/8185661/22553026-7a22-4dd6-a529-8d6be5f4959b) - [![Facebook ](https://blog.myarnoldteam.com/hubfs/Arnoldic_August2022/images/facebook%20(1).png)](https://www.facebook.com/ArnoldCompany) - [![Linkedin](https://blog.myarnoldteam.com/hubfs/Arnoldic_August2022/images/linkedin%20(1).png)](http://www.linkedin.com/company/arnoldcompany) - [![Instagram](https://blog.myarnoldteam.com/hubfs/Arnoldic_August2022/images/instagram%20(1).png)](http://www.instagram.com/arnoldcompany) - [![Twitter](https://blog.myarnoldteam.com/hubfs/Arnoldic_August2022/images/twitter%20(1).png)](https://twitter.com/arnoldcompany) © 2025 Arnold Insurance - Quick Links - [Home Insurance](https://www.myarnoldteam.com/home-insurance) - [Auto Insurance](https://www.myarnoldteam.com/auto) - [Commercial Insurance](https://www.myarnoldteam.com/commercial) - [Request a Quote](https://www.myarnoldteam.com/quote) [Contact 800-397-2427](tel:800-397-2427) [info@arnoldic.com](mailto:info@arnoldic.com) Headquarters [875 North Kingshighway Blvd Cape Girardeau, MO 63701 ](https://g.page/cape-aic?share) © 2025 Arnold Insurance - [![Facebook](https://blog.myarnoldteam.com/hubfs/Arnoldic_August2022/images/facebook%20(1).png)](https://www.facebook.com/ArnoldCompany) - [![Linkedin](https://blog.myarnoldteam.com/hubfs/Arnoldic_August2022/images/linkedin%20(1).png)](http://www.linkedin.com/company/arnoldcompany) - [![Instagram](https://blog.myarnoldteam.com/hubfs/Arnoldic_August2022/images/instagram%20(1).png)](http://www.instagram.com/arnoldcompany) - [![Twitter](https://blog.myarnoldteam.com/hubfs/Arnoldic_August2022/images/twitter%20(1).png)](https://twitter.com/arnoldcompany) [Phone](tel:800-397-2427) [Email](mailto:info@arnoldic.com) [Get A Quote](https://www.arnoldic.com/quote)