If you are opening a small business, you are at the beginning of an adventure that is both rewarding and stressful. In the first stage of opening a small business, putting business insurance in place is a wise decision. Business insurance can protect your business assets, so you are protected against disasters occurring during your entrepreneurial journey. Some small businesses with employees will be required to carry certain insurance policies, such as workers’ compensation or health insurance. Find out five things to consider before you open a small business: Consider These 5 Tips for Your S ..read more

If you are a first-time homebuyer, you are about to face a set of unfamiliar challenges. Homeowners insurance is a critical step in the process of buying a home. This insurance protects one of the biggest purchases in a lifetime. With homeowners insurance, you can protect not only the equity, but also the potential growing value of your property over time. It is worth taking some time to really understand your options. In some cases, you may want to add a supplemental policy for an additional layer of protection. What Does Homeowners Insurance Cover? It is crucial to understand what your homeo ..read more

If you own a business that only operates during certain seasons, it makes more sense to have seasonal business insurance. Seasonal business insurance can provide coverage for businesses that only operate for a limited window of time during the year. It can also provide business income protection for full-time companies with less busy seasons. Continue reading to learn more about seasonal business insurance and how you could benefit from it. What Kind of Protection Does Seasonal Business Insurance Provide? Businesses like firework stands, fairs, and swimming pools, which only operate during the ..read more

Natural disasters happen. Although no one can predict when they will occur, homeowners insurance can give you peace of mind. First, however, it is essential to understand what qualifies as a natural disaster under the terms of your policy. Homeowners insurance covers a vast range of natural disasters, including those caused by fire, tornadoes, hail, explosions, windstorms, volcanoes, hurricanes, and extreme cold. That said, homeowners insurance does not cover some natural disasters, such as floods, earthquakes, and mudslides. Examples of Natural Disasters Homeowners Insurance May Cover It woul ..read more

Business interruption insurance is a specialized form of protection for business owners. In the event that your business is shuttered due to sustaining damage from fire or a natural disaster, this type of insurance could save you from suffering a financial disaster. Depending on the policy, the cost associated with moving to another location, payroll, taxes, loan payments and operating costs can be paid through the policy, keeping your business alive. The top 4 top reasons to consider business interruption insurance are: 1. Heavy storms in your area are becoming more common. Wind, snow, and ic ..read more

Car insurance policies vary in what they cover. The state mandates certain types of coverage that you must have to legally get behind the wheel. However, the mandated minimum coverage may be far too low in some situations, such as being in a hit-and-run, in an accident with an uninsured driver, or if your car is damaged by a falling tree or fire. As a driver, it helps to understand the various types of auto insurance available, as you may decide to pay just a little more to gain a lot more protection. Liability: This is the coverage that will pay for the other party when you are responsible f ..read more

No business owner wants to have an injured employee. Reducing the risk of accidents and injuries is a critical aspect of good management, in every industry. Employees who have been trained with customized worker safety programs are far less likely to be injured when performing the duties of employment – and file a claim with your workers’ compensation insurance provider. Every claim filed with your insurance provider will lead to increased premium costs, and in some industries, may lead to OSHA fines for violations of workplace safety standards. How to Reduce Workers’ Compensation Claims A cus ..read more

Your homeowners insurance premiums can be reduced with eco-friendly changes to your home environment. Any way to reduce monthly costs is valuable, and it is worth considering whether making changes could help you save. Some of the incentives offered by several insurance providers include: LEED certification for a home: LEED, or “Leadership in Energy in and Environmental Design,” is a green building rating, which most people consider is for commercial, industrial, or educational facilities. However, implementing these standards when building or remodeling a home can help reduce energy costs sig ..read more

One thing is certain. If you own a business, you need business insurance. Without it, you would face paying out of pocket to defend legal claims or pay judgments against your company. This could be financially devastating for many businesses. The question is, what types of coverage do you need to best protect your business? Do you need general liability, professional liability, or a BOP? General Liability Insurance Also known as commercial liability insurance, general liability is designed to help cover liability claims against a business. If a third party sues you, it covers court costs, atto ..read more

If you have a pet, you may want to consider pet insurance. Without it, you may be faced with a large vet bill or a tough decision. Pet insurance is a health insurance policy for your pet. It is available for dogs, cats, exotic birds, ferrets, rabbits, potbelly pigs, reptiles, and certain rodents. As with health insurance for people, you pay a premium in exchange for coverage. You may also have an annual deductible, co-pays, and caps. Are There Different Types of Pet Insurance? There are three basic levels of pet health insurance: Basic coverage: This is the least expensive type of pet insuran ..read more