Blogs

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 even that isn’t a guarantee that they’ll be able to...

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 there are plenty of insurance solutions for most, if not...

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 where personal article insurance policies come into play. What do...

The holidays are here! And you know what that means. This time of year, stores and warehouses begin to hire temporary employees, due to the skyrocketing holiday foot traffic and ordering. Other employers, like FedEx and UPS, also hire people to fill in the gaps thanks to the increased package loads from the end of...

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 changes can affect the overall cost of your premiums. It’s...

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 is life insurance so important? What’s the point in...

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 from having to pay for legal fees, fines, and other...

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 state minimum coverage. This consists solely of liability, uninsured/underinsured motorist...

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 that you need to have insurance, what isn’t so...

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 the insurance plans that you need, just in case? Odds...

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 to safeguard this human asset, as well as ensure that...

Small business owners know the importance of having the right types of business insurance. After all, their livelihood depends on that protection should something happen to the business. With that said, it’s common for small businesses to switch from one insurance provider to another in search of the lowest premiums. While this may help you...