Surety bonds are essential for small businesses hoping to do business with federal and state governments. They’re also common in the worlds of construction and finance. The point of surety bonds is to guarantee a small business completes the job they’re contracted to perform, and to protect the customer of a transaction. For instance, let’s […]
Most auto insurance companies charge higher premiums to insure older adults. If you’re reading this article because you’re a mature individual hoping to understand why car insurance for seniors comes at a higher price, and what you can do to lower that price, you’re in the right place. Today, we’ll cover car insurance topics for […]
How to Shop for Car Insurance and What Kind to Get Buying car insurance can be easy on one hand, sometimes difficult on the other. All the choices you have and the decisions you need to make tend to make it all seem a little confusing. But once you get to know the process you […]
How to Choose the Right Car Insurance Deductible Someone “in the know” tells you to go for a smaller deductible on your auto insurance policy while another says you should pay a higher deductible in order to lower your lower your premiums. Which will you choose? What Is Car Insurance Deductible? The deductible on your […]
Health insurance in the US has undergone a massive overhaul. Before President Barack Obama’s Affordable Care Act of 2010 (also called “Obamacare” and ACA), health insurance was not standardized. Every insurer offered different benefits and prices, as they saw fit. Also, before the ACA, health insurance companies had the ability to decline your application if […]
Remember the first new car you ever bought? Maybe you were told you needed proof of insurance before you drove the car off the lot. The fact is, insurance is required for all drivers, though details can differ depending on the state you live in and the insurance you select. What is Collateral Protection Insurance? […]
Alternatives to Long-Term Care Insurance First, we carefully prepare financially for our retirement. And then there’s long term care to plan for. About 70 percent of people turning 65 today will need long term care at some point in the future, according to the U.S. Department of Health and Human services. Long-term care insurance covers […]
The “flu season” occurs in the US every fall and winter. Per the Centers for Disease Control (CDC) the best way to prepare for flu season is to get an annual influenza vaccination. Today, we’re going to talk about all the ways to prepare for flu season. We’ll cover everything from cough etiquette and hand […]
The concept of car repair insurance is relatively new to the insurance world. Sometimes you’ll hear it called “car repair insurance,” but some insurers call it “mechanical breakdown coverage” or “MBI.” All those terms are interchangeable. Not every auto insurance company offers repair insurance, and not every vehicle owner needs it. Today, we’ll take a […]
The best home and auto insurance bundles combine excellent coverage with great pricing. Today, we’ll explain home and auto insurance bundles for first time homebuyers or other individuals with limited insurance experience. If you’ve arrived at this page because you’re seeking a home and auto insurance bundle quote, click here. Otherwise, we will answer all […]
One thing that 2020 has taught us: expect the unexpected. For small businesses, when the unexpected happens, business insurance can be an invaluable ally. Surveys have shown that 40 percent of small businesses file claims against their insurance policies. Businesses can face events such as: Catastrophes like hurricane, flood, and wildfire Theft of merchandise, products […]
Nonprofit Health Insurance Options Health insurance costs money. So how do not-for-profit organizations afford to offer it to their employees? There are some very good reasons employers of any kind are likely to get a boost for their business by offering employees health care coverage benefits. Health insurance is at the top of the benefits […]
2020 has been a bizarre year for small businesses. Entrepreneurs and small business owners stood proudly in the face of a pandemic, held our collective breath during a historic election, and learned a whole new way of living and working. The economy has changed. Research by McKinsey proves what we already suspected: consumers are behaving […]
The huge potential for delivery services has been made even more apparent during the COVID-19 pandemic. The virus first made its way into American communities in early 2020; since the lockdown measures took place in March job loss has grown exponentially. And the delivery gigs that had taken hold before the pandemic claimed an important […]
Contents Insurance – What Is It? When you insure your home, you’re also insuring most of the stuff in the house and on the property. A segment of coverage, contents insurance is also known as personal property coverage. It helps pay for repairing or replacing personal items that have been damaged by a fire or […]
Are you ready for Open Enrollment for 2021? In most states, the Affordable Care Act, or Obamacare, is open for enrollment starting November 1, 2020 through December 15, 2020. When you enroll, your plan will start January 1, 2021. What is Open Enrollment? If you want to enroll in an Obamacare health plan, switch to […]
Loss of Use Coverage – You Might Need It Loss of use auto coverage is just what it says it is—insurance coverage tapped into when you have lost use of your vehicle. If you’re been in an accident, loss of use insurance helps you with resulting disruptions in your standard of living. Besides auto insurance, […]
Your classic car or truck is a treasure! You’ve been carefully restoring this gem for years, or you invested in a custom beauty, built by professionals. Regardless of how you became a steward of this special auto, it must be adequately insured. Standard consumer auto policies are not a great fit for classic cars. Today, […]
