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What Happens to Businesses Without Insurance? 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:  Workers Compensation: Workers compensation provides financial assistance […]

3 Important Reasons to Always Have Car Insurance In today’s uncertain economic times, people are driving less. They also are trying to save as much as they can on expenses, including their auto insurance. You might feel tempted to let your coverage lapse if you no longer drive. However, that’s the wrong decision. You might […]

Do I Have to Get Health Insurance Through My Employer? n modern days, essentially no business is worth working for if they don’t offer a solid health insurance plan. Healthcare is expensive and insuring through your employer can often be the cheaper option.  There is no mandate stating that you have to purchase health insurance through your […]

4 Important Ways to Fireproof Your Home Simple Tips to Help Fireproof Your Home   House fires caused approximately $8 billion in property damage, more than 2,800 fatalities and more than 11,000 injuries in 2018. With people staying home more than ever these days, it is imperative to keep the property fire-safe. Homeowners insurance often will pay for […]

How Homeowners Insurance Covers Water Damage It only takes a small amount of water to cause a lot of damage in your home. Your homeowners insurance might provide help with cleaning up the mess and repairing damaged property. However, it will only do so for certain types of water damage. Let’s look at some of the most-common […]

Paying for Car Damage from Hitting an Animal Something no driver ever wants to do is to hit an animal that strays into the roadway. This accident could cause a huge mess and damage your vehicle (and others if a chain wreck occurs). Not only that, there’s bound to be a fair amount of heartache […]

How Much Should You Pay for Health Insurance? Health insurance has an unfortunate reputation for being expensive, but everyone needs it. It’s important for everyone to find the right health insurance policy for you and your family without paying too much for coverage.   Individual Health Insurance vs Family Health Insurance  On average, family health insurance […]

Factors that Might Influence the Cost of Your Business Insurance Are you concerned about the premium you will have to pay for your business insurance? Insurance is part of your overhead, so it’s understandable that you will want to keep it affordable. Your commercial insurance agent is happy to help you understand the various factors […]

Can You Get Your Money Back After Canceling a Life Insurance Policy? Life insurance is a unique form of policy that pays out claims at the end of the policyholder’s life. Instead of the policyholder receiving compensation, the premiums they pay are built toward compensation for the policyholder’s beneficiaries.  Unfortunately, you likely won’t receive any payout for […]

The Benefits of Rental Car Coverage for Drivers If you ever wreck your car, then it’s understandable that the car might need to go to the shop for repairs. In the meantime, you might need a rental vehicle to get around until you get the car back. Your auto insurance might offer a couple of […]