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Anatomy Of An Insurance Policy

For any layperson who has tried to read through a typical insurance policy, whether it be automobile, health, or life, the verbage and vast amount of information can seem off-putting.  However, it is important for every policyholder to have a basic knowledge of insurance terminology in order to be informed should the need to file a claim arise. There are six basic components to every...

Declaring Independence

According to Merriam-Webster, some of the meanings of independent include  “not subject to control by others; not affiliated with a larger controlling unit; not requiring or relying on something else; not contingent; not looking to others for one's opinions or for guidance in conduct; and, showing a desire for freedom.” We live in a society in which independence is highly sought after and valued in...

Meet Scott Johnston

Mark Cuban once said, “All businesses are personal.”  For Scott Johnston, this was precisely what got him into the insurance business in the first place. Back in 1991, his grandparents lost everything in the Great Oakland California Fire, a tragedy compounded by a woeful lack of insurance coverage.  To their insurance company, they were just a number. No care was taken to make sure they...

Meet Your Commercial Lines Expert: Barbara Curley

Barbara is a Nashville native, born and raised.  She made her home in Fort Myers, Florida where she owned her own agency for many years. Hurricane Charlie hit her hard and she returned to Nashville to be with family in 2006.  Barbara began her insurance career in 1980 and has been a licensed insurance broker now for 38 years in Commercial and Personal Lines. She...

Introducing Scott Johnston

As the owner of Johnston & Associates, I’d like to share with you a brief story of why I got into this business over 25 years ago. It started in 1991 when my grandparents lost everything they ever owned in the Great Oakland California Fire. They were in their mid-80s and suddenly found themselves with no earthly possessions. To boot, they were vastly under insured....