Consider what you are doing before you decide to go all cowgirl and do without insurance. Like starting a business, insurance is a risk. It would be nice to think that everything will go smoothly. However, those who have lived more than a year know that this is at best wishful thinking. Virtual assistant and home-based businesses are […]

Many homeowners and property owners discover terrible truths about their insurance policies after they have been in effect. You might hear things like “Firearms not covered,” “Any jewelry exceeding $500 in value isn’t covered unless an endorsement was purchased,” “Water damage due to natural floods isn’t covered,” and “Yes your regular deductible for insurance is $500 […]

Liability insurance is no longer necessary. It should be included in our vehicle insurance. It is also known as third party insurance. It is mandatory that your State transport registration does not include it. Public liability may be included in your home insurance policy. You will need to know how much you are covered for. You might find […]

Joseph Belth is a top-notch business journalist in America. For 40 years, he was the conscience of an entire industry and influenced many careers, including mine. Belth, however, was not eligible for the Pulitzer Prize. This is a shame. You probably haven’t heard of Belth unless you are in the insurance business or write about personal finance […]

Finding affordable health insurance may seem impossible, but with the right knowledge of terms and an understanding of your coverage needs it can be done. No matter whether you’re considering Affordable Care Act-compliant plans, short-term or medical indemnity policies – it is crucial that you understand their relative strengths and weaknesses before making your choice. […]

Gap insurance can provide vital relief if you lease or finance an auto loan. In case your vehicle is totaled, this insurance will provide compensation equal to its actual cash value, rather than what remains due. Gap coverage provides protection for any gaps that exist between car insurance policies. You can purchase this coverage separately […]

Business insurance protects your company against the financial impact of bodily injury or property damage claims related to daily operations. In some states, this coverage is legally mandated; other policies can help enhance credibility among potential clients or customers. If your company relies heavily on one key employee – say a chemist working on an […]

Subcontractors typically aren’t required to obtain their own insurance policies; however, many clients require them to have liability and workers’ compensation coverage as a condition of doing business with them. It may be possible to add them as additional insureds on your general liability policy for specific projects; this option generally only allows for certain […]

Life insurance should be chosen based on many different considerations; most importantly who it will protect financially in case of your death. Life insurance can provide your spouse and family with financial security when something untoward happens to you, including housing, food, utility bills and outstanding loans. It may also prove useful for small business […]

Answering this question depends on the specific details of your homeowners insurance policy, including coverage limits and deductibles. Windows typically fall under dwelling coverage of your policy and should be covered to their maximum coverage limit by insurer. However, convincing your insurer to cover new windows can seem like an uphill struggle. Here are some […]