Summer is a time for care-free lounges by the pool and playing with all of your favorite toys that come along with it. That being said, before your grab you towel and sunscreen and head out without a look back, you’ll want to make sure that you are actually protected with all of your toys and vehicles so that your summer can have that fun and care-free feel to it, instead of worrying and waiting to see if someone is going to hurt themselves. While no one wants to see loved ones hurt, you can help out with the pain of financial protection through having the right kind of personal insurance. [Read more…]
Extra Insurance Needs to Consider This Summer
What to Do If You’re Involved in a Car Accident: The Most Important Steps
Car accidents are terrifying. When you get into a car accident your adrenaline is heightened and your mind begins to race all over the place. Even if it’s a simple fender bender, it’s hard to remember the details when you are shaken up. For these reasons and more, it’s a good idea to have a plan in the event you get in a car accident.
Putting together a car accident procedure guide before you’re in an accident is smart. This way, if you ever do find yourself in this scary situation, then you’ll know exactly what to do.
Keep reading to find out recommended actions to take after being involved in a car accident. [Read more…]
Why Commercial Auto Insurance Is Necessary If You Own a Business
The commercial auto insurance industry generates $34 billion in revenue each year. This is not surprising as business owners are more aware than ever of potential liabilities their businesses are exposed to.
A commercial auto policy protects a business that uses vehicles to get the job done. Are you aware of the consequences that you face for not having commercial auto insurance?
Keep reading for a complete guide as to why you need commercial insurance and what sort of coverage you should consider. [Read more…]
How Much Car Insurance Do I Need? Why You Should Cover Above State Minimums
Have you ever wondered to yourself, How much car insurance do I need? If you have, you’ve come to the right place.
First thing’s first, you should make sure that you’re covered up to the state’s minimum coverage requirements – every state has one, so make sure to check that out.
But what about beyond that? Do you need more than the minimum required car insurance? Is it really worth the extra money?
Read on so that we can help you decide. [Read more…]
Taking Care of Your Employees: How Does Workers Comp Work?
Worker’s compensation is a type of insurance that covers employee injuries and illnesses which happen on the job, or occur as a direct result of working at a particular job. It is both carried and paid for by the employer.
How does worker’s comp work for employers?
The absolute laws vary by state so it’s important to check your state’s regulations and policies. However, the basics are about the same across the United States. Whether you’re a small business or a large corporation, worker’s compensation is available to protect you and your employees.
Let’s take a look at a few things you need to know about this important type of insurance policy for your business. [Read more…]
Running a Resto 101: All About Restaurant Insurance
The average cost of opening a restaurant is around $275,000.
If you’ve got your hard earned money invested in your business, you want to be sure that you’re covered should anything go wrong.
That’s why every restaurant business needs insurance. There are different types of coverage when it comes to restaurant insurance. Read on as we take a look at what you need to know. [Read more…]
Planning Ahead: Everything You Need to Know About Long Term Care Insurance for Seniors
Approximately 1.4 million of seniors throughout the United States reside in some kind of nursing or assisted living facility. Have you ever considered long term healthcare? Even if you’re in good health and able to live independently now, that may not always be the case.
In the event that you do require long term care, how are you going to pay for it? Long term care insurance can come in especially handy for elderly individuals who need additional care to enjoy a higher quality of life.
Read on to learn everything you need to know about long term care insurance for seniors. [Read more…]
It’s Worth It: Understanding the Cost of Umbrella Insurance and It’s Benefits
Umbrella insurance has nothing to do with insuring umbrellas.
Insurance can be a complicated matter and it’s important to talk to your agent to make sure your assets are fully protected. There’s a good chance your agent will recommend that you purchase an umbrella policy.
Keep reading for more information about the purpose and cost of umbrella insurance to help you decide if this type of coverage is right for you. [Read more…]
Time to Reassess? Why You Need to Have an Annual Insurance Review
Do you know if your home insurance would completely cover you if something were to happen to your car or home?
In many cases, people are underinsured. In the U.S., about 59% of homeowners are underinsured. That means that if a disaster were to strike, they likely don’t have enough coverage to rebuild their homes.
That can leave a massive financial hole that’s unexpected. That’s one of the reasons why an annual insurance review is so important. Read on find out why you should always have a regular insurance review and how you can get the most out of it. [Read more…]
Liability Coverage: What Is it and Why Do I Need It?
Imagine you’re driving your kids to school when a car stops suddenly in front of you. You slam on the brakes, but your car plunges into the back of it. Now your neck is hurt, your kids have aches and the other driver’s rear end is smashed.
Next thing you know, you’ve got medical bills, car repair costs and the other person is talking about suing. You have no idea how you’ll pay for an attorney, let alone everything else. You could be financially responsible for thousands in costs with no clue about what to do.
This is why you have car insurance and where where auto liability coverage comes in. [Read more…]
