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Small businesses must comply with state and insurer rules when it comes to health insurance requirements, but whether or not this obligation applies depends upon factors like employee count. Employers that offer group health insurance cannot deny coverage or charge higher premiums based on preexisting conditions, providing employers with an important tool for recruiting and […]

General liability or business liability insurance provides essential protection from these costs and may even be required by contracts or commercial lease agreements. Business owner’s policies (BOPs), which typically encompass commercial property insurance and business interruption coverage, tend to group together policies with similar risk characteristics into one policy bundle. Cost Cost of general liability […]

If the at-fault driver only carries limited insurance or none at all, a claim should still be submitted with their own company; however, many organizations exploit policyholders by employing various strategies to deny or reduce any compensation awarded. If an insurance provider acted in bad faith by denying or underpaying valid claims, those injured by […]

An annuity is an insurance contract that guarantees regular income payments over an agreed upon time or lifetime, typically tax-deferred growth and protection against market losses. There are different kinds of annuities such as fixed annuities and indexed annuities regulated by state insurance commissioners; while indexed annuities fall under SEC oversight. Rate of return Fixed […]

Health insurance premiums can be deducted on your taxes if they meet certain criteria, such as being above 7.5% of your income and itemizing deductions. Other forms of coverage, however, aren’t as deductible. Self-employed individuals may deduct premiums they pay for medical, dental, and long-term care policies on their tax returns; however, the process becomes […]

New York is a no fault state, meaning that all parties involved receive compensation regardless of who was at fault in an accident. However, an injured party may pursue additional damages against those at fault if their injuries prove significant. This insurance system relies on Personal Injury Protection or PIP coverage to reimburse both you […]

Shipping insurance can be essential for many ecommerce businesses that sell high-value items; even one damaged shipment could wreak havoc with your bottom line and customers’ happiness levels. Major carriers and third-party vendors offer shipping insurance at rates determined by an item’s declared value, but is it worthwhile? Cost Shipping insurance provides businesses with financial […]

Ticketmaster provides its customers with an option to purchase event insurance through Allianz Global Assistance – a popular brand known for travel protection policies. Durazo advises purchasing ticket insurance for high-ticket events, while local or lower cost events might not warrant this additional expense. He suggests reading through any fine print carefully to decide the […]

Home purchases are one of the biggest investments most will ever make, so to safeguard their investment properly they need a clear title free from liens or any claims against ownership. To meet these obligations, purchasers should purchase two forms of title insurance: mandatory for lenders and highly recommended (operator’s title insurance). What is a […]

A vacant home differs significantly from one inhabited by someone, in both physical and financial terms. Protecting it requires special measures. Vagrant homes present greater risks of vandalism, theft and water damage; without someone around to detect leaks for example, your home could become irreparably damaged beyond repair. Some insurers offer vacant home coverage as […]