Over the years, we've received a lot of questions about our insurance products. One topic that our business clients often ask us about is General Liability Insurance (GLI): What type of coverage does it provide us? How does it differ from my existing insurance? Is it going to cost me an arm and a leg? Accidents can happen at any time at a main business location or other venue where an event hosted by a business takes place. For example, a customer might trip and fall and break a leg, arm or even a hip, which results in expenses that [...]
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So far wpadmin has created 25 blog entries.
The first thing you need to know is what does flood insurance cover? Floods are the most common disaster in America and can cause lots of damage. Flood Insurance protects your home from water damage from “rising waters”. It also can include coverage for other property that may be damaged by floods, like property inside your home and/or garage. If you're not sure if you should buy it, I'll help answer some of the questions about why flooding happens and how much it costs to get covered! Flood insurance covers your house and property inside it. Flood insurance covers the [...]
I am like most people when they buy their house. Owning a home forced me to think about homeowners’ insurance. I had plenty of questions about this insurance coverage. Getting satisfactory answers was important to me. I may have even more questions when I renew an existing homeowner’s insurance policy. An experienced agent has always been able to handle my questions. I've determined there are at least five questions you need to ask before purchasing a homeowners insurance policy. 1. What Is Liability Protection? I've learned that to have the correct amount of liability protection for your home, you will [...]
Commercial auto insurance is a form of coverage that helps mask vehicles such as automobiles, lorries, and buses used for business purposes. Commercial auto insurance is tailored to the needs of business owners and employees. Vehicle damage and driver injuries are covered by commercial auto insurance. Commercial auto insurance policies have higher insurance requirements than individual auto insurance policies. It's because cars and trucks require extra protection in the event of an accident. 1. Building and Construction Businesses Construction project insurance, also known as commercial auto insurance or commercial vehicle insurance, is not the only option. It's a type of [...]
Whenever I am looking to get insurance for my home and vehicle, I will usually just get both a homeowners insurance policy and a car insurance policy. However, there is an alternative that I can get when seeking more insurance coverage. Umbrella insurance is one of the best options that I can take advantage of whenever I am looking for an insurance policy that will give me even more coverage than what I am currently getting. By getting an umbrella policy, I will have an insurance policy that will protect me from personal liability and ensure that I avoid costly [...]
As a driver and vehicle owner, one of the objectives is to keep your auto insurance premiums as low as possible and still have adequate coverage. Fortunately for consumers, they can lower their auto insurance premiums. With a few steps, you can lower the total cost of my auto insurance policy, save money and improve your financial situation by having more affordable auto insurance in the future. Avoid Traffic Violations One of the ways to keep your auto insurance premiums low is to avoid traffic violations. Whenever you are cited for traffic violations or speeding, you’re the cost of my [...]
Homeowners and renters insurance both provide essential protection against unexpected events, but there are some differences between the two types of policies. Knowing these differences can save you time, money, and hassle if you ever need coverage. What Is Homeowners Insurance? Homeowners insurance is for those who own a property. It typically covers five general areas: Structure and Dwelling Dwelling protection covers the structural elements of the home (i.e., walls, roof, foundation, etc.). Dwelling coverage may also include attached structures, such as a deck or shed. Many policies, however, don't cover damages incurred from natural disasters such as floods and [...]
Aside from the legal requirements in most jurisdictions, having motor vehicle insurance for your car usually goes a long way in ensuring that you enjoy your ride. With so many options of vehicle coverage and a rarely ending number of insurance vendors all over the place, you can easily get confused or even frustrated when it comes to finding just what will work for you. Liability and full-coverage are some of the most common motor vehicle insurance packages. With the two packages, there’s still a likelihood that you may get lost in all insurance jargon and end up paying for [...]
An insurance policy is a blessing when you find your claim for damage is covered. The nature of the business started off as an excellent way for a collective group to participate in the pool from which recovery funds are paid. A loss that an individual cannot sustain alone is easily managed using the law of large numbers. This is the concept behind certain decisions such as whether an insurance company offers certain coverages as well as when and why certain claims are denied. A perfect example of these distinctions can be played out in the difference between what is [...]
Whether you own a business or work within the security department for your organization, there is one thing you cannot deny: There's a need for top-notch cybersecurity implementations and protocols in today's digital marketplace. Whether its password lockout policies designed to protect the accounts of users within a network or hiring staff to maintain and monitor your security posture, evolving attack vectors never sleep, and attackers will work 24-hour shifts to steal your data. But what happens if our systems become compromised? Better yet, how should security professionals position themselves to protect the financial infrastructure their business relies on to [...]