Insurance

  • Tips For Creating And Maintaining An Inventory Of Business Assets

    Create an inventory of your business assets as part of your business insurance process. An inventory of assets proves that you own the items you claim to own. The inventory also helps prove the assets' value before loss or damage. Below are tips to help you create and maintain a good inventory. Include All Assets Remember to include all your assets in the inventory, both tangible and intangible. For example, include your business records and exterior items (such as satellite dishes on the roof). [Read More]

  • Investing In Affordable Auto Insurance Coverage

    Driving without auto insurance is a crime in the majority of states in the United States, and getting caught without coverage has regretful consequences. The typical penalty for getting caught driving without auto insurance coverage is a fine in most states. However, even something as minor as getting fined can have long-term consequences, such as affecting the cost of auto insurance. For instance, an insurance company might increase the premium rate for a driver who has been caught driving without coverage. [Read More]

  • 3 Tips On How To Save On Your Car Insurance Cost

    One of the many concerns many people have when buying a car is whether they can afford to insure it. Mostly, some drivers find it hard to purchase even the basic third-party insurance required by the law. However, if you research well before settling on an insurance product, you will find ways to reduce the amount you pay. Moreover, you can combine various discounts and get the perfect product for your needs. [Read More]

  • The Fundamentals Of Business Interruption Insurance

    As a business owner, making sure that you're always able to make ends meet is important. That often means considering what you would do if something were to arise that shuts down your business for any length of time. Even with a standard loss, such as a fire, that keeps your business from operating, you won't necessarily have the means to replace that income for your business, yourself, or your employees. [Read More]

  • What To Consider When Shopping For Commercial Auto Insurance Policy

    Your personal auto insurance policy won't be sufficient if you have a vehicle you use for your business. In this case, you will need to get a separate policy, that is, a commercial automobile policy. You may not have a fleet of trucks, but you still require this coverage for vans and even personal cars that you may routinely use for business functions. While shopping for this type of auto insurance policy, here are a few things to keep in mind to ensure you get the best deal. [Read More]

  • What Types Of Auto Insurance Coverage Do You Really Need? A Closer Look At Common Coverage Options

    When purchasing a car insurance policy, there will several different coverage options which you can choose to either accept or decline. Which options you choose to accept will ultimately determine just how much coverage your policy provides. That is why it is so important to understand what type of coverage each option includes so that you can ensure you are getting the protection you need. Continue reading to learn more about five of the most common options you will have available to you when purchasing auto insurance coverage. [Read More]

  • 3 Tips To Help You Select Homeowner's Insurance

    Finding the right home insurance is crucial. Your home is one of your most significant assets, and you will want to do your best to protect it from disaster or destruction. Homeowner's insurance also comes with liability coverage, which protects you and your assets if an accident occurs in your home. It's hard to understate how important home insurance coverage is. Here are three tips to help you select a homeowner's insurance policy that meets your needs. [Read More]

  • 3 Incredible Benefits Of Comprehensive Car Insurance

    The law requires that every car owner obtains at least third-party insurance for their vehicle. Unfortunately, a third-party cover only protects you against legal liabilities after an accident and doesn't protect your car against damage costs, total loss, or theft. This is where comprehensive insurance comes in. In addition to the benefits of third-party cover benefits, a comprehensive plan also covers against flood or fire damage, natural disaster, collisions, and theft. [Read More]

  • Small Business? Sole-Proprietor Business Insurance Options

    Just because you operate a small, sole-proprietor business does not mean you can forego the proper insurance. If you are unsure of where to start, contact a commercial insurance agent and ask about a business owner's policy (BOP). This type of policy starts with coverage for any property the business owns (which is besides real estate can include items such as computers, machinery, inventory, and any other items needed to run the business,) and also allows for some liability should someone be injured due to your business operations. [Read More]

  • 4 Factors Insurance Companies May Consider When Determining Post-Claim Premium Increases

    The consensus amongst many people is that if you have a car accident, you can guarantee that your auto insurance premium will increase. However, if you take a closer look at the way insurance companies sometimes assess accident claims, you might discover that this practice can apply to some situations, but not all of them. Learn more about the factors that insurance companies sometimes use when evaluating claim-induced premium increases. [Read More]