What is Supplemental Group Life Insurance? If you have a group policy with your employer, supplemental group term insurance can be added. Group coverage can be less comprehensive than you might like, as policies are designed to benefit the entire group. You may have special needs as an individual who has a family. A supplemental term policy is […]

Many self-employed people in Dallas, Houston, and other parts of Texas find that health insurance is not something they can afford. Many people who work for themselves will say that they can’t afford to be sick. Period.” They don’t even think of the term “sick days” in their heads. Many of these self-employed, or “perma­lancers” or “perma­temps”, have […]

Professional Indemnity Insurance Your professional indemnity insurance covers you against legal liability for any losses that your customers suffer as a result your negligent advice. Legally, professional indemnity is required for certain professions such as accounting, law, and financial services. It is also common in other areas, such as publishing, management, computer consultancy, engineering, and design. A professional […]

There are two types of property damage: property damage caused by another person to your property, or damage due to a natural disaster. Property damage you cause to someone else’s property. Your property can be protected from many possible disasters, such as fire, smoke, vandalism, flood, and fire. It is important to understand the details and […]

Your employer may pay your full salary if you become ill as an employee. Employers must provide statutory sick leave for most employees up to 28 weeks. However, this will likely be much less than your full earnings. You would likely have to rely upon state benefits after that. Some employers offer group income protection insurance as […]

Many contractors don’t realize how important it is to publish their insurance bid specifications each year. This will allow you to interrogate the market and save you a lot of money. This is true for Liability, Auto, Property, and Workers Compensation Insurance. 1. The bid specifications must include all information required by the broker to create a quotation. […]

How do I make an insurance claim? IT’S TIME TO GET ORGANIZED! What about a loss that isn’t your fault like a car accident? It’s not too late to organize! Start a File After your loss, you must immediately create a new file. You can buy a cardboard folder that looks like an accordion and store lots of paperwork. You […]

Do you want a lower rate but still have adequate coverage? This article will provide you with a lot of helpful tips. 1. When applying for home insurance, don’t forget to subtract the cost of the land from the cost of your home. This is a common mistake that many people make without realizing. It is a huge mistake […]

Most successful businesses are involved in risk management at some point. Assessing and managing risk can be done in a number of ways. It is an integral part of most businesses’ basic planning. No matter your business, no matter who you may be, avoid risk management is risky. Why insurance exists in first place It is important to […]

In today’s world, mobile phone insurance is essential. According to police and insurance companies, theft and loss of mobile phones has been on the rise since 2006. The latest figures show that nearly 3,500 phones have been lost or stolen from buses, trains and cafes each month, while 1,200 mobiles are damaged by water. Another 400,000 mobile […]