Fort Wayne Car Insurance

📚✏️ Back-to-School Means Getting Back Into Routine! 🚌🍎

The start of a new school year is an exciting time for families—but it also means busier roads, more distractions, and packed schedules.

As your kids head back to school, here are a few safety reminders:
🚸 Slow down in school zones.
🛑 Watch carefully for children crossing the street or getting on and off school buses.
📵 Put the phone away and stay focused behind the wheel.
🚗 Leave a little earlier to avoid rushing.

Back-to-school season is also a great reminder to review your insurance coverage. Whether it's making sure your auto policy has the right protection or checking that your family's needs are still covered, a quick policy review can provide valuable peace of mind.

At Schultheis Insurance Agency, we've been helping Hoosier families protect what matters most since 1975. If it's been a while since you've reviewed your coverage, we're happy to help.

Wishing all the students, teachers, and parents a safe, successful, and wonderful school year! 🎒🍎

We Believe Insurance Should Be Understandable!!!

Insurance policies can be complicated. Our job is to make them easier to understand.

We take the time to explain:
✔ What is covered
✔ What isn't
✔ Why certain coverages matter
✔ Where there may be opportunities to improve protection

Because informed business owners make better decisions.

If you ever have questions about your commercial insurance, we're happy to help.

One Claim Can Change Everything

You work hard to build your business.

One lawsuit.
One fire.
One severe storm.
One major accident.
Unexpected events happen.

The right insurance doesn't prevent losses, but it can help your business recover and keep moving forward.

We're here to help you prepare before something happens.

Have you priced new equipment lately?

Inflation has increased the cost of:
🔧 Machinery
💻 Computers
🏢 Office equipment
🚜 Tools
📦 Inventory

If your property limits haven't been reviewed recently, you may not have enough coverage after a loss.

A quick policy review can help ensure your limits still reflect today's replacement costs.

Cybercrime Isn't Just a Big Business Problem

Think hackers only target large corporations?

Small businesses are actually one of the most common targets because they often have fewer security measures in place.

A cyberattack can lead to:
💻 Lost customer information
💳 Fraud
📧 Email compromise
⏳ Business interruption

Cyber Liability coverage can help your business recover from these costly events.

Don't Wait Until Renewal

Most businesses only think about insurance once a year...Right before renewal.

The better time? Whenever your business changes.

Adding vehicles, buying equipment, hiring employees, or signing a new lease can all affect your coverage needs.

Insurance shouldn't sit on autopilot.

General Liability Isn't Everything

One of the biggest misconceptions we hear: "My General Liability policy covers everything." Unfortunately, it doesn't.

Depending on your business, you may also need:
• Commercial Property
• Commercial Auto
• Workers' Compensation
• Cyber Liability
• Professional Liability
• Umbrella Coverage

Every business has different risks. Let's make sure your coverage matches yours.

What Would One Week Closed Cost?

🏢 Imagine your business couldn't open for just one week.

How much revenue would you lose?
Would payroll continue?
Would rent still be due?
Would customers go elsewhere?

Property insurance repairs buildings.

Business Income coverage helps keep your business financially afloat while you're recovering.

It's one of the most valuable coverages many business owners never think about—until they need it.

Many business owners know they have insurance...

But they don't know what they actually have covered.

A few minutes reviewing your policy today could save thousands after a loss.

Questions worth asking:
• Are your building limits accurate?
• Has your equipment increased in value?
• Do you have Business Income coverage?
• Is Cyber Liability something you should consider?

Knowing your coverage is just as important as having it.

Is Your Business Growing?
📈 Growth is exciting... but it can also create new risks.
Have you:
✅ Hired new employees?
✅ Purchased new equipment?
✅ Moved to a larger location?
✅ Added new services?
If your business has changed, your insurance should change too.
A policy that fit your business two years ago may leave gaps today.
We're happy to review your coverage and help make sure your business is protected as it grows.


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