Friday, February 26, 2021 Confused about the difference between an HO-3 and HO-5 homeowners insurance policy? Read on to discover what policy works best for you and your family. Comparing the Two Policies Coverage: While the two policy types offer identical coverage for dwellings, the HO-5 policy is clearly superior in terms of personal property coverage. READ MORE >>
Wednesday, January 27, 2021 Business insurance requirements tend to vary per state. The types and amount of coverage you are expected to have may depend on your business’ location as well as your industry. As a rule, general liability insurance isn’t typically required by any state or federal law in order for a business to operate. READ MORE >>
Tuesday, December 29, 2020 If you drive while drunk or under the influence of another drug, then you are a major safety risk both to yourself and to others. Additionally, you are committing a major violation of traffic laws, nationwide. As a result, if you get caught, then you will likely be charged with a DUI, DWI or OWI, depending on what your state calls its charge for driving intoxicated. READ MORE >>
Friday, November 27, 2020 If your employees travel for work or use company vehicles for any reason, you likely have a commercial auto insurance policy. This insurance covers vehicles owned or used by a business for work purposes, ranging from minimum liability to full coverage with comprehensive, collision and medical payments coverage. READ MORE >>
Wednesday, October 7, 2020 Among the coverages offered under a typical home insurance policy, you will also receive coverage for certain accidents that may happen on your property. Personal general liability is a type of insurance that covers claims of bodily injury and property damage. READ MORE >>
Tuesday, September 15, 2020 Achieving a list of goals for your business is easy when it's done well. But when it's not, the end result will be frustration. And creating the same list again next year is not exactly the best plan of action. What can you do instead? For your business goals, the SMART method will give you the best results. READ MORE >>
Tuesday, August 25, 2020
Car insurance policies can look different depending on premiums, deductibles and coverage limits, but all car insurance policies are designed to cover three certain areas.
A full coverage car insurance policy covers:
Liability
Property
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Thursday, August 20, 2020
When insuring possessions on homeowners insurance, you have a lot of leeway to choose the limits you want. Yet, the thing about possessions insurance is that your coverage might restrict how much it will pay for items of value, like your electronics. READ MORE >>
Tuesday, August 18, 2020
Most health insurance policies don’t cover dental procedures, despite the fact that teeth and gums can have a direct impact on a person’s health. A lot of dental procedures, such as teeth whitening and braces, are seen as not medically necessary.
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Thursday, August 13, 2020
Business insurance is used in order to protect businesses from lawsuits and other losses that could have a large financial impact otherwise.
Required Business Insurance and Penalties
Business insurance requirements vary by state. Most states require businesses to carry a minimum amount of:
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