For independent business owners and contractors who use a vehicle for their work, commercial auto insurance is a necessity. Personal auto insurance doesn’t cover much in the way of business use. For people who use one car for both business and personal travel, both policies are necessary, and both should be allowable on one vehicle. But you may face certain restrictions, both in terms of who insures the car for what, and how you drive the car.…
It is an unfortunate reality that there are many health problems that individuals may experience that will be extremely expensive to treat. To help protect against this risk, health insurance can be a valuable tool. Due to the importance of this coverage, individuals will need to be thorough when they are deciding on a particular health insurance plan to purchase.
Consider Whether You Will Need To Add Family Members To The Healthcare Coverage…
As a freelance writer, you may wonder if you need business insurance. The answer is that it depends on a variety of factors. Here’s what kinds of business insurance freelance writers might need and when they might need it.
Business insurance protects your business from financial losses due to unforeseen circumstances such as accidents, injuries, property damage, or legal action. If you have any employees, business insurance can also protect you from liability for their actions.…
As a small business owner, you likely often face many unique challenges that can lead to a lot of stress. In fact, a survey revealed many small business owners feel that hiring employees is one of the biggest challenges they face. Small businesses do not have the same funds and resources as larger corporations, so hiring good employees can seem like a chore. Fortunately, group health insurance can provide benefits that are appealing to potential employees.…
The law requires most businesses to maintain workers compensation insurance. However, meeting this legal requirement does not need to be a financial burden on your company. This is because there are many ways in which you can go about saving money on your workers comp insurance coverage. Continue reading to learn more about three of these ways in which you can save money on workers compensation coverage.
Tip #1: Consider Working With A Professional Employer Organization…
When everyone was laid off for the pandemic, people started looking for ways to make money from home. A lot of people found they could make and sell food products. They may have had a garden and sold produce, baked cakes, pies, cookies, and such then sold them, or they may have even made whole meals and delivered them. If you did this, and are still doing it, you need to have business insurance.…
Are you shopping around for home insurance for the very first time? The buying process can be very confusing, with new terms being used that you are completely unfamiliar with. Here are some frequently used terms that you should know as you start shopping around.
Actual Cash Value
You will see many items referred to as having an actual cash value, especially when it comes to personal property coverage. This is used to describe the value of what an item is worth today after depreciation.…
Insurance companies use your insurance history to calculate your premiums. With a few exceptions, some insurance history is better than no history. For example, teenagers without any insurance history might pay more than their counterparts who have been on their parent’s insurance policies.
Below are some aspects of your insurance history that interest insurance companies.
Denied or Cancelled Coverage
Your insurance company wants to know whether other companies have canceled or denied you coverage in the past.…
Drivers in virtually every state are required to possess an auto insurance policy that meets their state’s minimum requirements, so there is no shortage of auto insurance providers competing for your business. While every individual represents a unique set of circumstances, there are a number of things that everyone can do to increase the likelihood of finding the best possible insurance provider for them. If you are currently shopping for auto insurance – or plan to in the near future – take a look below at just a few of the tips you should keep in mind.…
Maintaining an active car insurance policy is one of the most important things you could ever do. Driving is a risky activity, and each time you set out on the road, there is a chance you could get into an accident. If you hit another vehicle and are found to be the at-fault party, you have financial protection so you don’t have to face a lawsuit on your own. Also, if you happen to hit a curb or guardrail and carry full coverage, you can file a claim and get the damage at least partially taken care of without having to dig too deeply into your own pockets.…
