As life expectancy increases and the cost of living rises, it’s more important than ever for aged people to plan for their retirement. One option for doing so is to create a private retirement trust. In this blog post, we will explore the benefits of establishing a private retirement trust for aged people and why …
General liability vs. professional liability: Know the difference. As an entrepreneur, running your own company can be rewarding, but it also has its share of risks. One of the biggest risks that business owners face is a lawsuit, which could cost you time and money not to mention damage your reputation and relationship with customers. …
Auto Liability Insurance: Hired vs. Non Owned liability Auto liability insurance may be the last thing you think about when buying, selling or even renting a car, but it could end up being one of the most important decisions you make. Just ask anyone who’s had to pay hefty legal fees following an accident caused …
The Five Most Common Exclusions on a General Liability Policy Most general liability policies cover accidental bodily injury or property damage that you cause to someone else, but not all of them cover every accident scenario. Knowing what doesn’t get covered on a policy can save you from costly mistakes in the future. Here are …
The Risk of Not Having Employment Practices Liability Coverage Employment practices liability insurance (EPLI) covers many different things, including employment related cases involving discrimination, wrongful termination and sexual harassment, among others. If your business doesn’t have this coverage, or only has a small amount of it that won’t pay out if you get sued, you …
5 Reasons Your Small Business Should Have Business Insurance Many small business owners make the mistake of assuming their personal car insurance will cover them if something goes wrong at work. This isn’t true, however, because business insurance and personal insurance are different things entirely. Before you get too far into the details of your …
Reasons a Business Owner Policy is Different from General Liability One of the most frequently asked questions from business owners regarding insurance involves the differences between Business Owner Policies and General Liability policies. You may be wondering why you need one policy over another, or if you even need them at all. So these are …
Things to Know About New York State Short Term Disability Insurance If you’re living in New York and are looking to purchase Short Term Disability Insurance, there are 7 things you should know first. Some of these tips will help you determine whether Short Term Disability Insurance is right for you at all, and some …
Ways Your Loss Ratio Affects Your Business Insurance Premium Loss ratio is one of the most important factors that insurance companies use when determining your business insurance premium, so you’ll want to pay close attention to it. There are 7 major ways that your loss ratio can affect your premium, and knowing them will help …
Reasons Why You Need an Umbrella Policy Insurance You might have heard of umbrella insurance, but aren’t sure what it actually does or why it’s important to have. Umbrella policies are designed to cover you in the event that the liability protection your other insurance plans don’t work out, and in many cases can even …
When it comes to making important financial decisions, there’s nothing more important than knowing which insurance policies you need and how to buy them effectively. For example, what exactly should you know about life insurance? Here are the insurance policies you should know about. Auto Insurance For starters, if you’re a car owner, then auto …
Home insurance protects your home against damages, losses, and catastrophes, including weather-related damage, theft, and vandalism. So In this post we will open up to what you need to know about home insurance. Home insurance can also protect you against liability if someone is injured while on your property that is insured. What you need …
Getting life insurance is something that most people don’t think about doing until they have to, and then it can feel like you’re getting into it at the last minute. What You Need to Know About Life Insurance is enough for you to Keep yourself and everyone around secured. But while purchasing life insurance isn’t …