As people get older and nursing homes get more expensive, the need for long-term care insurance rises. When you figure that the average elderly person needs to qualify for Medicaid (the low-income plans) should they need more help that they can receive at home (and...
All companies have to worry about risks. It’s simply the cost of doing business. They run into risk when making productions, packaging and selling items, hiring employees, and even owning or leasing a building in which to operate. What makes this easier is knowing that...
Most people have a standard homeowner’s insurance policy that covers not only the outside of their homes and the structure’s themselves but also most of the contents. However, what happens if you have an expensive collection that exceeds the limits of your policy? This is...
Did you know that when something changes in your life, you should let your insurance agent know as soon as possible? While in some states you have up to 30 days, depending on the change, you really should inform your insurance company immediately, as the...
You’ve no doubt seen many commercials regarding life insurance. Going beyond this, some companies even offer life insurance to their employees, paying for a policy that would give their beneficiaries around one year of their loved one’s salary should the unthinkable happen. With that said, why...
If you own a small business, then you need to have every possible type of insurance protection in place. This includes errors and omissions insurance if your business involves providing certain types of services. Called E&O for short, errors and omissions policies can prevent you...
When it comes to auto insurance, you generally have two choices. The first is full coverage, which includes everything from comprehensive coverage to extras, including rental car reimbursement in case of an accident and towing within a certain range of miles. The other is called...
Small business owners know that they need to have a number of insurance policies in place in order to protect their livelihood. Options like property insurance, liability insurance, business interruption insurance, and more are some of the many policies that you should consider. While it’s clear...
Congratulations! You’ve decided to officially start a family. You and your spouse have welcomed your first child, you now have a solid home base, and several vehicles, among other things. You have jobs, hobbies, and everything else that goes with adulthood. But do you have...
Is there someone working for your business who’s so valuable that the company would most likely close or face some tough financial consequences if you lost them? In the case of almost all small businesses, that answer would be “yes.” Thankfully, you have one way...