Does Your Auto Insurance Cover Rideshare Driving? What You Need to Know
Posted: July 1, 2026
Rideshare driving has become a popular way for millions of Americans to earn extra income. Whether you drive for a transportation network company full time or just on weekends, it's important to understand how your auto insurance applies—and where it may fall short. Many drivers are surprised to learn that their personal auto insurance policy may not cover them while they're working on a rideshare...
Grilling Safety Tips for Propane, Charcoal and Gas Grills
Posted: June 29, 2026
Grilling food outside is a classic summer pastime but it’s not without risk. According to the National Fire Protection Association (NFPA), grills are involved in more than 10,000 home fires per year. This guide helps explain common grilling risks, shares best safety practices and outlines the steps you can take in an emergency. Where should you place your grill? Placing your grill in an open,...
Term vs. Whole Life Insurance: Understanding the Difference
Posted: June 22, 2026
When shopping for life insurance, one of the first questions you'll face is whether to choose term life or whole life insurance. Both types provide a death benefit to your beneficiaries, but they work quite differently and serve different needs. Understanding the basics can help you have a more productive conversation with a licensed insurance professional. What Is Term Life Insurance? Term life insurance provides...
Juneteenth: Honoring History and Building Financial Security for Every Community
Posted: June 19, 2026
On June 19, 1865, enslaved people in Galveston, Texas, learned they were free — more than two years after the Emancipation Proclamation. This day, known as Juneteenth, is now a federal holiday and a powerful reminder of resilience, freedom, and the ongoing work of building a more just and equitable society. At J.W. Hoban & Associates, we recognize Juneteenth as an opportunity to reflect on...
What Is a Business Owner's Policy (BOP) and Is It Right for Your Business?
Posted: June 18, 2026
If you own a small or medium-sized business, you've probably heard the term "Business Owner's Policy" or BOP. It's one of the most common types of commercial insurance, but many business owners aren't sure exactly what it includes — or whether it's the right fit for their needs. Here's a clear breakdown. What Does a BOP Include? A Business Owner's Policy typically combines three core...