Many people receive their health insurance through their employer. However, if you own your own business or are self-employed, then you might not have this coverage option unless you get a policy yourself. While getting health insurance for your own business might seem complicated, it does not have to be overwhelming.   Self-employed Americans who … Read more

All business owners should know how important it is to provide a safe environment for their employees. Still, however safe you might try to make things, there is no guarantee that your business is accident-proof. That’s why in most states, employers must carry workers’ compensation insurance. You have to have a way to compensate them … Read more

A fire can be a devastating household accident no matter what the size or shape of the home you live in. However, if you live in a high-value or even a luxury home, then the loss might be compounded. The good news is that your homeowners insurance is likely to pay for the necessary repairs … Read more

If your car disappears, and you don’t know where it went, then someone might have stolen it. In fact, statistics from the Insurance Information Institute (III) show that roughly 750,000 vehicle thefts occurred in the United States in 2018. That’s a rate of approximately 228 thefts per 100,000 drivers. This might seem like a small … Read more

If you buy life insurance, then you take a big step towards securing your financial future. One of the most easily accessible policies is a term life policy, which is generally affordable and will last for a certain number of years. However, the drawback of a term policy is that, although it is budget-friendly, it … Read more

Despite the fact that car insurance is required by state law throughout the U.S., insurance companies are well within their rights to deny you coverage based on certain circumstances.   It is not common that a car insurance provider will deny a client, but it does happen. Generally, drivers are denied if they are considered … Read more

Buying life insurance is a big decision to make, and one of the first things people ask themselves is how much their coverage is likely to cost.  Like with all insurance options, insurers measure risks when determining your premium. When it comes to life insurance, your risks will center on your likelihood of dying and the … Read more

Starting a business is an investment, whether you’re looking for a location or starting your company right out of your home. Protecting that investment is crucial, and you will want a business insurance policy that covers your assets.  Not all business insurance policies are created equal, however. Before signing a policy, make sure to ask … Read more

It’s inevitable that your home will experience wear and tear over the years. Sometimes, damage can arise from small invaders that, while minuscule, can also be pervasive and even deadly. Common home invaders might be mold, pests and vermin. However, homeowners insurance might not automatically cover the damage they cause if you could have otherwise … Read more

When you purchase a car insurance policy, you typically have the option to pay monthly or annual premiums. There are benefits and downsides to both, so it is important to make the right decision for you and your finances.   Upsides of Paying Annually  Paying annually generally means paying a larger lump sum near the … Read more