Worker's Compensation Premium Audits

Insurance Blog

Worker's compensation insurance is a necessary investment for most employers. Unfortunately, the cost of worker's compensation insurance can be somewhat unpredictable. Your premiums will be dependent on your payroll expenses. That means you will be paying estimated premiums for each period and reconciling your estimated payments to the actual premiums when the premium period is complete. The actual premiums are calculated through a worker's compensation audit. Here's what you need to know.

19 December 2019

3 Things To Look Into When You Are Getting Homeowner's Insurance

Insurance Blog

Having homeowner's insurance is a smart idea because if something goes wrong at your house, you will have some money in order to fix the issues. Some mortgage companies will require you to carry homeowner's insurance, as well. When you are getting your insurance, you want to make sure that you check out your options, so that you can get the best insurance for you and your needs. So, what are some things that you should look for?

10 November 2019

Pinching Pennies On Your Auto Insurance Policy

Insurance Blog

Auto insurance is a must if you're going to be driving on the roads. Without it, not only are you putting yourself in financial danger, but you're also putting yourself in legal danger. It's not uncommon for someone to go through a financial hardship and the first thing that they sacrifice is the auto insurance that protects them — don't do this. Here, you'll find a few things that you can do to decrease the cost of your auto insurance policy at least until you get back on your financial feet again.

15 October 2019

Important Questions to Ask When Buying Insurance for Your Food Truck Business

Insurance Blog

Insurance needs for a business are far different than any other insurance product, and if it is a food truck business you operate, your insurance needs can be even more complicated. When buying a policy, it is critical that you ask the right questions to ensure you end up with the most well-built insurance protection. Take a look at some of the important things to ask when you are shopping for commercial truck insurance for your food truck business.

12 September 2019

What Does a Minimum Coverage Auto Policy Include?

Insurance Blog

When purchasing auto insurance, you will have choices, options, and decisions to make—everyone has different needs. If your ultimate goal is to have just enough coverage to meet the legal requirements in your state, then you will likely want to purchase a minimum coverage auto policy. This type of policy will not provide you with a lot of protection, but it will give you what you need to meet your state's requirements.

6 August 2019

Home Insurance Premiums 101: FAQs About Costs Involved

Insurance Blog

When you buy a house for the very first time, you are going to get a crash course in several topics you've never dealt with before, and home insurance is no doubt going to be one of them. Your biggest concern is likely going to be the cost of this new premium you've never had to pay. Take a look at common cost questions homeowners have about house insurance.  What does the average homeowner pay for home insurance?

29 June 2019

How Business Insurance Protects Your Personal Assets

Insurance Blog

Buying commercial insurance for your small business is one of the best ways to protect your personal assets from the risks of the business. Here are some of the ways business risks may affect your personal assets, and how business insurance can help. Settling Liability Claims Every business faces potential liability claims from its customers or third parties. Below are some examples of these claims: Premises liability claims for those who get injured on business premises Product liability claims for those who receive or get injured by defective products Injury claims from workers who get injured while on the job If you don't have the right insurance, you will be forced to use your business assets to compensate the claimants.

24 May 2019

Protecting Yourself With Auto Insurance

Insurance Blog

Getting the most protection from your auto insurance is key for minimizing the financial liabilities that may accompany driving. You might assume that becoming an informed auto insurance consumer will be extremely hard or time-consuming, but keeping some factors in mind as you shop for a policy will make informed decision making easier. Appreciate The Benefits Of Carrying More Than The Minimum Coverage Required When buying insurance, it is common to base the amount of coverage that you buy on the legally required amounts.

31 March 2019

3 Reasons To Call Your Homeowner's Insurance Company Before Installing A Swimming Pool

Insurance Blog

If you're hoping to install a swimming pool in your backyard, you might be ready to call a pool installation company to find out more about the project, such as to learn about your different options and to get a price quote for the project. It might not have even crossed your mind to call your homeowner's insurance agent, but you will want to call him or her before installing a pool.

20 February 2019