What Is and Is Not Covered by Home Insurance
Posted: December 2, 2022
Here's What Is and Isn't Covered by Your Homeowners Insurance When it comes to homeowners insurance, you likely have many questions, with "What does it cover?" and "What doesn't it cover?" probably being the most important. Here are some things to be aware of. A basic homeowners insurance policy covers your home and possessions in the case of fire, windstorm (unless you live in a...
Who Needs Workers Comp Insurance
Posted: November 4, 2022
The Basics of Workers’ Comp Insurance for Small Businesses Nearly every state requires employers to have insurance to cover medical costs and lost wages for workers who are injured or become ill on the job. But when do you need it, and how do you get it? Workers’ compensation (often shortened to "comp") insurance helps your employees and protects your business should a tragedy occur, such...
How A Claim Impacts Your Insurance Premium
Posted: September 30, 2022
How a Claim Can Impact Your Annual Premium Something happens to your home, maybe a tree falls onto the garage in a storm or a window breaks. If you can fix it yourself, would you rather do so or claim on your insurance and risk raising your premium? According to InsuranceQuotes.com, depending on where you live, claiming on your insurance can raise your premium by...
First-Time Home Buyer? We Have Your Insurance Answers
Posted: April 25, 2022
First-Time Home Buyer? We Have Your Insurance Answers There are a lot of things to consider when buying your first home, and unfortunately, the ins and outs of homeowners insurance is definitely one of them. Navigating what to put on your first policy can be confusing, so we're here to answer a few questions you may have. What should I consider when choosing insurance? Make...
Uninsurable Risk?
Posted: February 24, 2022
Why You Need to Think about Uninsurable Risk Uninsurable risk refers to potential losses insurance companies simply will not insure, regardless of how much you pay. And knowing what is uninsurable will help you plan for the future of your business and personal life. Common uninsurable risks include reputational, regulatory, political, war and pandemic risk. Generally, these risks fall into four broad buckets. First, the potential loss...
