Even a small business that is not publicly traded can be vulnerable to expensive lawsuits, levied against the company itself and against the company’s officers and directors. Directors and officers (D&O) insurance protects companies, helping many small businesses avoid bankruptcy. Experts say D&O insurance coverage is essential to most businesses, even small privately held companies. […]
If you or your employees use a vehicle for business, you need commercial auto insurance. Personal insurance policies don’t cover business use. What kinds and how much coverage you need can depend on which state you’re in, and whether you cross state lines in the process of doing business. Types of Auto Insurance for Businesses […]
General liability insurance is essential for doing business; it can protect you financially in the event of a customer’s or third party’s bodily injury or property damage. As a contractor, you can also purchase an optional endorsement, an addition to your overall general liability policy. A variety of industry-specific professional liability policies are available, everything […]
With the possibility that used car dealers may unknowingly (or willingly) sell flood damaged vehicles, it is prudent for customers to check flood damaged cars before they buy. Mark the check boxes if the statement next to it is true. Any check marks should be a signal to stay away or investigate further. Download Checklist […]
It’s that time of year again; Health Insurance Marketplace open enrollment for 2019 is coming up fast. You’ll have from November 1, 2018 through December 15, 2018 in most states, with coverage beginning January 1, 2019. You have several ways of getting health insurance if you don’t have coverage through your employer. You can purchase […]
According to the National Association of Insurance Commissioners (NAIC), it’s a good idea to check your insurance policies once a year. Online car insurance comparisons have made the task easier than ever to compare car insurance quotes. Car Insurance Comparison Types There are two general types of online insurance sites. Some are lead generation sites […]
If you own a business that sells, distributes, manufactures or designs products, product liability insurance could potentially keep you from having to close shop because of hefty costs incurred when something goes wrong. It’s wise to consider adding product liability coverage to your general liability policy in order to protect your company should there be a […]
If you have ever been responsible for the after-death arrangements a loved one, you know how hard it can be. At a time when you are mourning a loss, you also have to spend time making sure preparations are taken care of. If you have to pay burial costs and related expenses, too, and it […]
You go to purchase a homeowner’s insurance policy and you’re offered auto insurance, too, but you already have auto coverage from a different company. Should you bundle home and auto insurance? Is it worth the trouble? With some exceptions, bundling home and auto insurance is a good idea. As long as each policy has the […]
Used to be, once children left home they were on their own in terms of health insurance. That changed with the Affordable Care Act (ACA). Now, as long as your health insurance provides coverage for dependents, your child can remain on your plan until the age of 26, no matter what. Did he get married? […]
Ride-hailing, such as ridesharing services like Uber and Lyft, have disrupted how we get from Point A to Point B when we need a ride. And this is changing the way car insurance behaves. In other words, providers are creating coverage products specific to ridesharing. According to TheRideshareGuy.com, more than 700,000 drivers work for Lyft […]
Driving has become a huge part of everyday life, and predictably certain types of car accidents have become more frequent. Some are more common than others. Most Common Accidents Types The most frequent car accidents collisions include the following: Rear-end Head-on Side impacts Dents and scrapes Avoiding Rear-End Collisions Rear-end collisions are most likely to […]
Some may think you have to spend more money on remodels or new equipment to save on energy use in the home. The truth is, there are steps you can take that cost, but there are a lot of ways you can make your home more energy efficient that are also cost efficient. Tips for […]
If you are a small business owner, you know that running a business is more than just hanging a sign out front. Whether you’re an individual consultant or own a growing business with employees, business insurance can protect your company. But what kind? Business Owners Policy (BOP) Small to medium-sized business need to be protected […]
While the U.S. approach to healthcare insurance seems to be in constant flux these days, some things remain constant. No matter what plan you go with, there are ways to keep your monthly premium costs down. 7 Ways to Save Money on Your Health Insurance Premiums 1. Go with a higher deductible. If you can, […]
Whether you’ve moved to a new area or have changed health insurance providers, getting a primary doctor is a priority. Finding a physician you trust and feel comfortable with takes a little research. Before you begin your search, make sure you understand the requirements of your health insurance. With most providers, you must choose a […]
Do you like turning heads on the road? If so, then you’ve probably already fantasized about owning a Tesla. If the price tag doesn’t scare you away, more power to you. These all-electric cars can go fast, they don’t use gas, and they’re sexy. But they are also expensive to drive off the lot. How […]
Drivers distracted enough to take their eyes off the road are twice as likely to get into an accident, according to a study by researchers at Virginia Tech Transportation Institute. Unfortunately, the study also found that drivers tend to engage in distracting activities more than 50 percent of the time. We hear a lot about […]
