Complex Passwords are Better Thinking of a strong password can be frustrating. Every service and website seems to have different requirements about length, complexity and special characters. In order to secure yourself against hackers, it’s important to think of a password that’s both memorable and complex. Most websites and services encrypt passwords before storing them […]
Is Crop-hail Insurance Right for You? Last week, we talked about Multi-Peril Crop Insurance (MPCI). This week, we’re highlighting another important type of crop insurance to consider: crop-hail. This post will explain what crop-hail insurance covers, how it differs from MPCI, and why you would purchase a crop-hail policy. Crop insurance is essential to farmers’ […]
The Basics on Multiple-peril Crop Insurance What is Multiple-peril Crop Insurance? Multiple-peril crop insurance (MPCI) protects farmers against losses caused by weather and other unavoidable perils for more than 100 crops across the country. Crops covered in Iowa include corn, soybeans, oats, wheat, seed corn, popcorn, barley, potatoes, sweet corn, canning beans, dry beans, forages, […]
Independent Contractor or Employee? As a business owner or manager, especially in a small business with limited resources, there are definite advantages to hiring an independent contractor vs. an employee. Hiring a contractor may make sense when: You need someone with very specialized expertise You don’t have the space or equipment for an employee You […]
How many of you bought Christmas gifts online this year? Shopping from your computer can be faster, easier, and less stressful than braving the mall or department store, especially when the weather is bad and the holiday crowds are out. Comparing prices and finding the best deal can be done in minutes, rather than hours, […]
This week’s post covers three workplace issues that affect employers and employees alike: work-related stress, the Terrorism Risk Insurance Act, and job discrimination against pregnant women. Work-related Stress Costs Employers and Society The European Agency for Safety and Health at Work (EU-OSHA) recently released a report on the high cost of work-related stress titled “Calculating […]
Preparing for an unforeseen threat or disaster is very difficult. Criminal activity, natural disasters and terrorism are all threats to your business, and it is important that you have readiness plans in place to minimize the potential impact of those risks. Without prior planning, you leave your company open to financial disaster, especially if you […]
The prevalence of employee-owned smartphones and other devices in workplaces across the country has grown considerably in the last few years and shows no sign of stopping. A 2013 study by Cisco found that 95 percent of organizations surveyed allowed their employees to use their personal devices for work functions. If it wasn’t obvious already, […]
Workplace Safety Newsletter – March 27, 2014 DID YOU KNOW? There were 619 publicly disclosed data breaches in 2013—a 30 percent increase from 2012—according to the Identity Theft Resource Center. Recent widely publicized breaches such as those that hit Target, Neiman Marcus and Michaels have business owners seriously considering adding cyber liability coverage to their […]
Our clients say it best….
We feel that we have professionals serving our every need at the Thams Agency whether it be house, auto, or health. One stop takes care of all of our insurance needs, and we know it’s done right. P.S. Your offices are lovely. Good move on your part to remodel and maintain the historical attributes of the building while still making it modern.
You served my folks well and I have found no reason to switch elsewhere. Your company seems rooted in Denison and an asset to the community, which is always an important part of being in business in any community.
Virginia Dobler McCurdyCustomer since 2011
They have helped reduce my payments with discounts like homeowner, safe driving, multi car, etc. Their rates are better then the old insurance company I had, they just kept raising rates although I had never had an accident (and they didn’t have discounts either). When I first came in to to talk to Todd and ask about their rates, they were 50 % lower then what I was paying. Now they are even lower due to discounts.
Thams Agency has an honest, and straight forward approach to dealing with customers. They work hard to find the best insurance coverages and prices for the customer, while giving guidance and reasoning for customers to make the most informed decision possible.
After switching to Thams, I feel like I am getting as good, maybe even slightly better property insurance coverage for a whole lot less money. As long as the premium does not take any significant jumps in the next few years then I believe this was a great switch to Thams. Very friendly staff. I feel like I should have gone to see them many years ago.
Brian E.Customer since 2014
The agents at Thams make you feel like you are part of a family. They are extremely personable and the level of communication exceeds any company I have had experience with.
Client since 2004