---
title: Cowart Insurance Agency Blog Posts from 2023
description: Blog posts published by Cowart Insurance Agency in 2023
---

# Past Articles

## Published in 2023

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[**What is Employment Practices Liability Insurance?** — Employment Practices Liability Insurance (EPLI) covers businesses against claims by workers that their legal rights as employees of the company have been violated. The number of lawsuits filed by employees against their employers has been rising. While most suits are filed against large…](/blog/2023/what-is-employment-practices-liability-insurance)

[**Understanding Different Types of Auto Insurance Policies** — Auto insurance is a necessary expense for all vehicle owners. It helps protect you financially in case of an accident or theft. In this blog, we'll break down the various types of auto insurance policies to help you decide which one is right for you. — 1. Liability Insurance — Liability insurance…](/blog/2023/understanding-different-types-of-auto-insurance-policies)

[**The Role of Artificial Intelligence in Business: Opportunities and Challenges** — Artificial intelligence has been taking the business world by storm lately, especially with the recent releases of new AI software. Would using AI be a good decision for your business? Let’s look at the pros and cons. — **Advantages of Using Artificial Intelligence** — **Cost Savings** — One of the biggest…](/blog/2023/the-role-of-artificial-intelligence-in-business-opportunities-and-challenges)

[**Do I need to call my Insurance Agent if I am renting out my home?** — Owning your own home is a desirable goal and a source of pride. Yet home ownership also requires great responsibility. — Routine maintenance, property taxes, utility payments, and insurance premiums are all common expenses associated with owning a home. — **Another responsibility to consider is the…**](/blog/2023/do-i-need-to-call-my-insurance-agent-if-i-am-renting-out-my-home)

[**How to Create a Business Continuity Plan to Help Protect Your Investment** — Smart businesses have a plan in place to get up and running and protect their data if the worst happens. Here’s how to build a business continuity plan in case your company needs to deal with a catastrophe. — **Assess Your Likeliest Risks** — The best way to plan for disaster is to run tabletop…](/blog/2023/how-to-create-a-business-continuity-plan-to-help-protect-your-investment)

[**Defensive Driving Techniques to Avoid Accidents and Insurance Claims** — If you want to reduce your risk of traffic accidents and the insurance claims that accompany them — which could cause your premium to go up — you need to drive defensively. Here are some driving tips to help you avoid crashes and stay safe on the road. — **Always Assume Other Motorists Will Make…**](/blog/2023/defensive-driving-techniques-to-avoid-accidents-and-insurance-claims)

[**Why home and auto insurance rates are continuing to rise in 2023** — Thanks to an unusual convergence of market trends, ushered in by the pandemic and followed by other disruptive events, you may see a bigger change to the cost of your home and auto insurance than usual when it comes time to renew your policies this year. — Insurance rates are based on what an…](/blog/2023/why-home-and-auto-insurance-rates-are-continuing-to-rise-in-2023)

[**Commercial Insurance policies are auditable. What does that mean for you and your business?** — General liability, Workers Compensation, and Garage Liability insurance policies are issued on an estimated exposure basis. Our agency will review your operations with you and submit an application based on your projections for the coming year to the insurance company. From that application, a…](/blog/2023/commercial-insurance-policies-are-auditable-what-does-that-mean-for-you-and-your-business)

[**Home Fire Escape Plans** — Fire can spread rapidly through your home, leaving you as little as one or two minutes to escape safely once the smoke alarm sounds. Your ability to get out of your home during a fire depends on advance warning from smoke alarms and advance planning. — Why do you need a home escape plan? — Working…](/blog/2023/home-fire-escape-plans)

[**8 Back to School Safety Tips** — Summer vacation is drawing to a close, and it's almost time for students to gear up for another exciting academic year. As we prepare to head back to school, it's crucial to prioritize safety. Whether you're a parent, teacher, or student, taking precautions and implementing safety measures will…](/blog/2023/heading-back-to-school-safety-first-on-august-3rd)

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- [1](/blog/2023.md)
- [2](/blog/2023.md/page-2)
- [3](/blog/2023.md/page-3)
- [4](/blog/2023.md/page-4)
- [5](/blog/2023.md/page-5)
- [6](/blog/2023.md/page-6)

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