Insurance

3 Tips For Keeping Your Commercial Auto Insurance Premiums Low

When it comes to owning a business, it is imperative that you have the right commercial insurance policies. If you have business vehicles, then commercial auto insurance is one of those policies. Without it, an auto accident liability lawsuit could literally put everything that you have worked so hard for at risk. Here are three tips that will help you minimize risks, lower your auto insurance rates, and make certain that you have adequate protection in the event that you ever need it.

The Insurance Options Necessary For Opening A New Restaurant

If you are realizing your life-long dream of opening up your first restaurant this fall, then it's important you purchase all of the various insurance policies it needs. The business insurance required for a restaurant includes: Workers' Compensation Insurance All restaurants and other businesses who have employees are required by federal law to have workers' compensation insurance policies. This insurance protects your staff if they are injured on the job. Commercial Property Insurance

Tips For Getting Cheap Car Insurance

Car insurance can be costly, so when your budget is tight, you want to get the lowest rate you can without sacrificing good coverage. Rates vary by insurance company, so it's good to shop around. Here are some other things you can do to help you get cheap car insurance. Be A Safe Driver You want to avoid speeding and reckless driving tickets, or your insurance rate will probably go up.

Hire a Public Adjuster to Help You Collect Money from Your Insurance Company

If you have insurance for your home and something has recently happened to the property, such as a flood or even a fire, you may need to file a claim to receive money from the insurance company to cover the cost of the repairs and replacements. However, the paperwork may seem complicated, and you might have concerns about not getting the full amount of cash you currently need to successfully fix your home and get it back into the condition it was in before the difficult situation occurred.

Buying The Right Auto Insurance Policy To Cover Your Needs

If you drive a car, truck, or SUV, you more than likely have dealt with buying auto insurance for your vehicle. In most states, there a minimum coverage requirement that must be met for your car. When purchasing insurance for your car or truck, make sure you understand what you are getting for your money and what the minimum requirements are. Working With An Insurance Agent Working with an insurance agent is an excellent way to get the insurance you need and make sure your coverage meets the minimum requirements for your area.

Do You Need DBA Insurance?

Contract workers fill an important niche when it comes to national security. Many government agencies rely on contract workers to help them accomplish vital tasks. These contract workers must have access to workers' compensation insurance coverage at all times to provide them with financial help in the event of injury. The specialized workers' compensation insurance policies carried by contract companies are often referred to as DBA (Defense Base Act) insurance. Read on to learn if your company needs to have a valid DBA insurance policy in place to protect both you and your employees.

Ready, Set, Go! File The Fastest Auto Insurance Claim Possible!

These days, you can file a really fast auto insurance claim, and it does not take you away from everything else you have to do. While filing over the phone works, most insurance companies want to see the damage done to the vehicle. That used to mean bringing them photos that were instantly developed, or photos you had to have developed and waited for. Now, all you need is your insurance company's app and a smartphone or tablet.

Does Your Homeowners Insurance Really Cover The Damages?

When you pay homeowners insurance premiums each month, you expect for things to be covered when you file a claim with the company. Unfortunately, there are so many things that you might think would be covered, but aren't. So, what happens if the soil around your home erodes and causes damage to the house? What happens if someone breaks in and steals your hunting rifles? Will these things be covered? Here, you'll find a little bit of information that can help you determine if you need to contact your insurance agent to add some more coverage to your policy.

Why You May Need To Inspect Your Home Before Buying Insurance Coverage

There are cases where you don't have to inspect your home before buying homeowners insurance and there are also cases where the home inspection is a prerequisite for the coverage. Here are some of the cases where you may need an inspection. The House Is Very Old Extremely old homes have unique risks that their newer counterparts may not have. The plumbing system may be deteriorating and prone to leaks, the electrical system may be outdated and risky, and many of the building materials may be breaking down.

Is Your Current Commercial Insurance Suiting Your Needs? 4 Signs That It's Time For An Update

If you've had the same commercial insurance for a while, it's time to take a look at your policy. Like your other insurance policies, your commercial policy should be updated from time to time. Those routine updates can ensure that you have the right coverage for your commercial needs, and ensure that you're not paying too much for the coverage you have. If you're not sure you need to update your policy, take a look at the list below.