October 4, 2021
AgencyCommercial Auto Insurance
What businesses need Commercial Auto Insurance? Any business that owns and uses commercial vehicles needs commercial auto insurance. Whether you own one commercial vehicle or a fleet, coverage is essential. Note that this kind of insurance does not cover vehicles used for businesses such as Lyft, Uber Eats, and other delivery and rideshare services. Issues […]
September 24, 2021
AgencyWhat are Out-of-Pocket Health Insurance Expenses?
When comparing health insurance policies, one of the terms you will come across is “out-of-pocket expenses.” What are these? What does this mean and how does it impact what you will pay for the insurance plan? Sometimes, out-of-pocket expenses are called cost sharing. It’s an important part of your policy, and a component that you […]
September 17, 2021
AgencyMoving? Here’s what to do with your Homeowner’s Insurance.
Step 1: Get a new homeowner’s insurance policy To prevent any lapses of not having homeowner’s insurance coverage, it is highly recommended to have your new policy in motion before you cancel your old policy. In order to find the best coverage for your property, your safest option is to work with an insurance agency […]
August 31, 2021
AgencyLife Insurance: Frequently Asked Questions
What is life insurance? Life insurance is a contract between an insurer and a policyholder in which the insurer gives the policyholder a certain quantity of money to an assigned beneficiary upon the death of the insured person. While the policyholder is alive, they pay the insurer recurring premiums. When should I get life insurance? […]
August 12, 2021
AgencyWhy Your Child Should Have a Life Insurance Policy
Having a child means you go over and beyond to protect them. Whether they lose a tooth or they are having difficulty in college, as a parent, you will always be there for them. So, when it comes to preparing for their future, why not purchase their life insurance at a young age? How […]
August 5, 2021
AgencyLife Insurance: The Basics
Permanent Life, Term Life, and other Types of Life Insurance A variety of life insurance plans are available for you to choose from. Some of the most notable types and terms include: Permanent Life: Remains effective until the policyholder dies, surrenders the policy, or stops making premium payments. Term Life: Stays in force for a […]
August 2, 2021
AgencyMedicare Supplemental Insurance
What Additional Coverage does Medigap Provide? A Medigap policy generally provides coverage to cover any gaps among Medicare Part A and Medicare Part B Plans. Some additional coverage provided includes: Coinsurance Deductibles Copayments Healthcare outside the U.S. Like Medicare itself, Medigap is available in a variety of plans (Plans A – M). A comprehensive chart […]
July 26, 2021
AgencyWorkers’ Compensation Insurance
What is Workers’ Compensation? A workers’ compensation policy financially protects employees and businesses in the case that an injury or sickness occurs because of work. Should this happen, the employee will receive compensation to cover resulting expenses. Meanwhile, the employer may receive coverage to aid in costs such as rehabilitation and any legal expenses. Employees […]
July 13, 2021
Agency4 Ways Your Company Can Reduce Workers Compensation Claims
Business owners face a variety of costs that impact how successful their business is financially. From payroll cost to the cost of maintaining inventories, it’s important for business owners to steadily look for measures they can take to reduce the cost of operations. One cost that managers can control is the cost associated with […]
July 9, 2021
AgencyHow to Protect Your Home From Flooding: 9 Tips to Follow
When the time comes to buy a home, you’ll likely look at every aspect of your new neighborhood, the home itself, and any climate hazards that might be common in the area. If you’re house hunting in a location where there’s a high risk of flooding, it’s likely you’ll need to purchase flood insurance. In […]