When people ask “What do we celebrate on the Fourth of July?”, the usual answer is “America’s Independence Day.” But for millions of immigrants and small business owners, this holiday represents much more than fireworks and barbecues. It’s about freedom, opportunity, and the courage to chase a better life — even if it means starting from scratch in a new country.
At Premium Insurance Group, we work with many clients who came to the U.S. with big dreams and little certainty. And every year on July 4th, we’re reminded of how valuable — and fragile — those dreams can be.
A Quick Look at the History Behind the Celebration
To truly understand what we celebrate on the Fourth of July, we go back to 1776, when the thirteen American colonies declared their independence from British rule by signing the Declaration of Independence. It was a bold act that signaled the beginning of a new nation — one built on the ideals of liberty, justice, and the pursuit of happiness.
According to the Pew Research Center, nearly 14% of the U.S. population today is made up of immigrants, many of whom arrived here driven by those very same ideals. For them, July 4th is more than a national holiday — it’s a celebration of the possibility to live freely, raise families, open businesses, and create legacies.
From Freedom to Responsibility
But freedom doesn’t just mean “doing whatever you want.” For small business owners, it also means having the responsibility to protect your hard-earned progress. That includes getting the right insurance coverage to secure your assets, your employees, and your future.
We’ve seen too many cases where someone built a business from the ground up — landscaping, trucking, cleaning, food service — only to lose everything after an unexpected accident, lawsuit, or weather disaster. And not because they weren’t smart or hard-working, but because they weren’t protected.
Why This Matters on July 4th
The Fourth of July reminds us of the bravery it took to fight for independence. That same courage lives in every immigrant who leaves their home country behind, and in every entrepreneur who takes the risk to start a new business.
But courage alone isn’t enough. Protection is what allows courage to last.
So this Independence Day, while you’re watching the fireworks or grilling with your family, take a moment to think about the freedom you have — and how you’re protecting it. Whether it’s your family, your car, your home, or your company, insurance is not just a financial tool — it’s part of your plan to preserve what you’ve worked so hard to build.
A Message from Hemelyh
“When I came to this country, I quickly understood that freedom comes with responsibility. We can’t control everything, but we can prepare. That’s why I’m passionate about helping other immigrants understand how insurance protects what they’ve built — because I know what it means to start from zero.” — Hemelyh, co-founder of PIG
Final Thoughts: What Do We Celebrate on the Fourth of July — and How Do We Protect It?
So… what do we celebrate on the Fourth of July? We celebrate independence — yes. But we also celebrate opportunity, progress, and the dreams of people who believe in a better tomorrow. If you’re one of them, we’re here to make sure that tomorrow is protected.
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