Items filtered by date: October 2025

If you are a small business owner working from home or a solopreneur, you might think that Business Insurance is something you can do without.  It turns out that thinking leaves you at risk for potentially expensive consequences.

Why?  Not understanding Business Insurance coverage can leave you open to believing the many common Business Insurance myths that create serious gaps in your protection.  It’s those gaps that leave you vulnerable in the face of unexpected loss, accident or lawsuit.

You might think, “my homeowners insurance covers me”… or “I have no employees”… or “I have no storefront”… or “I’m just getting started”… or “it’s too expensive”.  You are not alone, but before you decide, take a moment to examine the facts.

See how ERIE Insurance breaks down the most common Business Insurance myths and offers solutions.

You might have questions or wonder where to start protecting your business.  We at William M. Sparks Insurance Agency are ready to help you create a plan that closes the gaps and gives you peace of mind.  Just reach out by phone (410-252-8304) or visit our website (https://wsparks.com/commercial-insurance.html).

As summer winds down, we begin to welcome signs of fall:  cooling temperatures, a new school year, changes in the landscape, earlier sunsets to name a few.  Not only might your routine change when summer ends, but your daily commute is affected by shorter days and weather changes as well.  You might even be drawn to drives through the countryside if you enjoy the changing foliage.  

Pleasant though it might be, the changing season also calls for you to stay alert.  Cooling temperatures often bring rain, and  when combined with falling leaves can be as slippery on the roadway as ice.  Deer are more visible and not just on rural roads, especially from October to January and typically from dusk to dawn,  Days get shorter as fall sets in; so you'll find yourself driving more often in the dark.  Traffic patterns and volume change once school is in session, causing greater caution when driving.

Here is what ERIE Insurance says about being prepared when driving this fall. 
This advice should make your driving time safe as you enjoy the fall changes.

Even the most cautious drivers in the safest vehicles may face the unexpected at some point.  That's where good Auto Insurance is needed.  If you have not reviewed your Auto Insurance coverage recently, there is no time like the changing of seasons to do that.  Here at William M. Sparks Insurance Agency, we are prepared to help with sound answers to your questions and a thorough review of your policy, whenever you are ready.  Reach out to us by phone (410-252-8304) or visit our website (https://wsparks.com/personal-insurance/auto-insurance.html).