Insurance is important for individuals and families, but it is also important for your business. While surprising to learn, even the smallest of businesses requires insurance coverage that not only protects you as the owner, but also your finances and the actual business establishment. Here are a few insurance policies your small business needs: Property Insurance In most cases, you run your business out of a specific location. This location may be a commercial space you own or lease or even a building or office on your own personal property.
17 October 2019
Contractors are often promoting their businesses as "bonded and insured." In some states, contractors cannot work unless they are insured. Contractor's insurance is specific to this line of work and this type of business. If you are a contractor, you should always have current proof of insurance. Here is why contractors must be insured, and why you should always show your contractor's insurance card to see proof of insurance before you begin any job.
18 September 2019
If you like feeling safe by having insurance coverage for all your potential risks, you probably have a homeowner's insurance policy in place right now. This type of policy will cover you from all kinds of potential perils that could cause damage or harm to your harm, belongings, or family members, but does your policy cover the costs of carbon monoxide poisoning? This is an area with insurance that may or may not be covered, but instead of worrying about the coverage you have for this, you should take all the necessary steps to protect your home from this type of poisoning.
8 August 2019
Standard homeowner's insurance doesn't include coverage for flood damage. You must buy flood coverage separately if you want compensation after flood damage. Here are some of the circumstances that mean you need flood insurance. You Live In a Flood Area If your area has suffered floods in the past, there is a real risk that it might suffer floods in the future. Thus, the flooding history of your area should be your biggest consideration, when deciding whether to buy flood insurance.
3 July 2019
When you are a homeowner, you probably realize that having homeowner's insurance is a necessity, but you might not understand exactly what your policy covers. One question some people have about home insurance is whether it covers wear and tear on a house. Wear and tear is something that is normal with homes, and there are several things you should understand about your home insurance and wear and tear on your home.
27 May 2019
If you want to protect yourself against financial liability and loss, then you need to ensure that you have adequate homeowner's insurance. To ensure that you are always adequately protected, you need to review your policy coverage at least once a year. Here are a few reasons why you may find it necessary to review your coverage more than once annually. Reason #1: You Have Acquired Additional Personal Property If you have recently purchased high-quality, expensive, or new furniture, collectibles, artwork, or other items since the last time that you reviewed your insurance policy, it is a good idea to brush up on your coverage.
22 April 2019
To a new homeowner, trying to find a homeowner's insurance policy can seem like an overwhelming task. There are so many different options, it is sometimes hard to distinguish between what you want, what you need, and what you can afford. What You Want. Sometimes homeowner's are a little overly suspicious about potential calamities that could be the downfall of their home. If asked what type of coverage they would prefer before looking at the pricing options, most homeowner's respond that they will need earthquake and flood insurance, as well as coverage for most natural disasters.
24 February 2019