Mold Coverage: What Oklahoma Homeowners Should Know
At Rich & Cartmill Insurance, we often hear from worried homeowners who discover mold creeping across a wall, hiding under flooring, or showing up after a leak. It spreads fast, it’s expensive to remove, and it can cause serious damage if left untreated. Naturally, many people ask the same essential question: does home insurance cover […]
How to Protect Your Water Pipes Before Temperatures Drop
At Rich & Cartmill Insurance, we know Oklahoma winters can be unpredictable. One day you’re enjoying mild temperatures, and the next you’re waking up to freezing winds and icy conditions. When the cold hits hard, one of the first parts of your home to feel the impact is your plumbing system. Frozen pipes aren’t just […]
Cyber Liability for Contractors: Are They Susceptible, Too?
At Rich & Cartmill Insurance, we work with contractors throughout Oklahoma who often believe cyber threats only target major corporations, hospitals, or government agencies. It’s a common misconception—and an understandable one. But cybercriminals aren’t just going after the biggest companies anymore. They’re going after any business with valuable digital information or access to larger organizations. […]
Oklahoma Insurance Costs Are Rising — What You Can Do
At Rich & Cartmill Insurance, we hear from Oklahoma families every day who are surprised to find their auto and home premiums rising even when nothing about their coverage has changed. You’re not imagining it — rates are increasing across the entire industry. And while it feels frustrating, these shifts aren’t random. They’re tied to […]
A Guide to Understanding Your Auto Insurance Policy
From Rich & Cartmill Insurance Auto insurance might not be the most exciting thing to think about—but it’s one of the most important. Whether you’re a new driver, a parent with teen drivers on your policy, or someone who hasn’t looked at your coverage in years, understanding what you’re paying for is essential. At Rich […]
The Small Business Owner’s Guide to Commercial Insurance 2025
Running a small business in 2025 comes with big opportunities—and equally big responsibilities. As your business grows, so do the risks. Whether you’re managing a local bakery, a boutique marketing agency, or a contracting crew, the right insurance coverage isn’t just a safety net—it’s a strategic move. At Rich & Cartmill Insurance, we specialize in […]
The Small Business Owner’s Guide to Commercial Insurance in 2025
Navigating the world of commercial insurance for small business can feel overwhelming—especially with the constant changes in coverage options, legal requirements, and risk management strategies. At Rich & Cartmill, we know what’s at stake for entrepreneurs. You’ve worked hard to build your business, and protecting it shouldn’t be a mystery. This guide breaks down everything […]
A First-Time Buyer’s Guide to Life Insurance
Buying life insurance for the first time might feel a little intimidating—but it doesn’t have to be. You’re probably wondering: How much coverage do I need? What kind of policy is best? And is now really the right time to buy? At Rich & Cartmill Insurance, we’ve helped generations of families protect what matters most. […]
How to Choose the Right Insurance Agent for Your Business
Selecting the right insurance agent is one of the most important decisions a business owner can make. Insurance isn’t just about policies—it’s about protecting your company, employees, and financial future. With so many options available, how do you find an agent who truly understands your business and can help you reduce risk while keeping costs […]
Why Food Manufacturing Insurance Matters: Trust Rich & Cartmill Insurance
The food manufacturing industry faces unique risks that require specialized protection. From equipment breakdowns to product recalls, the challenges in this field can have significant financial and operational impacts. That’s why food manufacturing insurance is essential—and why businesses trust Rich & Cartmill Insurance to safeguard their operations. The Importance of Food Manufacturing Insurance Food manufacturers […]