Business Interruption Insurance Coverage: What It Covers and Why It Matters
Business Interruption Insurance Coverage: What It Covers and Why It Matters A fire breaks out in your building on a Tuesday morning. The structure is damaged, your equipment is destroyed, and your doors are closed for two months while repairs are made. Your commercial property insurance covers the physical damage — but who covers the […]
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 […]
Do Contractors Need Cyber Insurance? What You Need to Know
Most contractors think of cyber attacks as someone else’s problem — a concern for banks, hospitals, and tech companies. But that assumption is exactly what cybercriminals are counting on. The reality is that contractors are increasingly in the crosshairs. You store client data, send invoices by email, manage subcontractor payments digitally, and often connect to […]
Why Is Oklahoma Home Insurance So Expensive?
If your homeowners insurance renewal arrived and you nearly choked on the number — you’re not alone. Oklahoma homeowners are facing some of the steepest homeowners insurance rate increases in the country, and many are struggling to keep up. Here’s the hard truth: Oklahoma now holds the #1 spot for the highest average homeowners insurance […]
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 […]