Many business owners believe that their standard commercial insurance policy will protect them from any and all risks. Unfortunately, this is not always the case. There are a number of perils that standard commercial policies do not cover, which is why it’s important to have an errors and omission (E&O) insurance policy in place. E&O […]

There are a lot of misunderstanding about Medicare and other health insurance plans. People often think that Medicare is their primary insurance and that it will pay for everything. However, this is not always the case. Sometimes, Medicare may only pay for a portion of your medical expenses or it may not cover certain types […]

Long term care insurance is a type of insurance that helps cover the cost of care for those with chronic illnesses or disabilities. The costs of long term care can add up quickly, and many people are unable to pay for them out of pocket. Long term care insurance can be expensive, but it is […]

It doesn’t matter if you are just starting to gather quotes for your very first homeowners insurance policy, or if you have been insuring your home for many years, it is helpful to know what your policy covers. Exclusions from homeowners insurance are quite common. You may be able identify coverage gaps if you know what circumstances are covered […]

28 people die each day in America from drinking and driving accidents. DWIs and DUIs are serious offenses that carry severe penalties. You will most likely experience an increase in your car insurance premium after being convicted in Maryland of DUI. Maryland drivers see an average 78% increase in their car insurance premiums after being convicted for DUI. This […]

Smart home technology is making life easier and safer. Biometric or smart locks provide additional security by requiring a pin and fingerprint to unlock your home. This can make it more secure than traditional keys. Your house key is accessible to anyone who holds it. However, your fingerprint or pin are enough to block others from getting […]

You or your insurance carrier can initiate a homeowners insurance renewal. Either you can let your policy expire or you might receive an insurance notice from your carrier advising you that your policy will be terminated. To ensure that your coverage does not lapse, you should start looking for a new policy for home insurance with another company. […]

Health insurance is one of the most important benefits employers can offer their employees. Not only does it provide basic coverage for medical expenses, but it can also help an employer attract and retain top talent. Unfortunately, not all companies are able to offer health insurance to their employees. In fact, many are struggling to […]

When your insurance company sends an engineer to inspect your home, the last thing you want them to find is a claim. Unfortunately, this is what often happens. In this blog post, we will explore some of the most common reasons why an engineer might be called to your property and what you can do […]

When you think about it, car insurance is a necessary evil. It protects you and your vehicle from financial ruin in the event of an accident. But what if someone you know is not quite as responsible behind the wheel? In this blog post, we will explore whether or not you can buy car insurance […]