Commercial Property Insurance Fundamentals

Every business owner should understand the fundamentals of commercial property insurance. You might assume that you only need it when you have a large facility or multiple buildings on your property, but every business owner should consider investing in commercial property insurance. Here are some of the things that you need to understand.  Commercial Property Coverage Applies Even For Home Businesses If you have put off investing in commercial property coverage because you own a home-based business and assume that your homeowner's policy will cover any potential losses, you might be surprised.   Read More...

Factors To Consider When Customizing Your Home Insurance Policy

The right home insurance policy can help you reconstruct your home or replace damaged or lost items. Customizing your policy for your circumstances is the best way to determine the right home insurance. Below are the factors to consider when customizing your homeowner's insurance policy.  Location Your home's location determines some of its threats. For example: The location determines the risk of flooding and wildfires Some areas have lower crime rates than others A home near a fire station has a lower risk of fire damage than a comparable home without a nearby fire station Evaluate these risks to help you determine your home's threat level.   Read More...

Purchasing Business Insurance: 4 Mistakes To Avoid Making

Many business owners put in a lot of effort to ensure their business succeeds. One way to ensure a business's success is by taking business insurance coverage. It is a crucial policy, so avoiding making mistakes while taking this insurance coverage is advisable. This is because your business may end up suffering huge losses. So, to prevent major issues later, check out a few mistakes worth avoiding. Failing To Insure Your Business Adequately    Read More...

3 Ways To Save Money On Your Commercial Insurance

As a business owner, you look for ways to save money anywhere you can. Every dollar you spend affects your profit margin. One area to consider when looking for cost savings is your commercial insurance premiums. While commercial insurance is necessary, there are ways to reduce the costs while maintaining the coverage you need. Here are a few things to try. 1. Use A Commercial Insurance Broker Both an insurance agent and broker can help you purchase the necessary commercial insurance products your business needs.   Read More...

3 Tips To Reduce Your Car Insurance Costs

There are three types of car insurance: liability, collision, and comprehensive. Liability coverage pays for damage to other people's vehicles and is a mandatory requirement for all car owners. Collision coverage caters to the damage to your vehicle in an accident, while comprehensive policy takes care of destruction by natural disasters and vandalism.  Your car insurance price will depend on factors like the age and make or model of your vehicle and the risk of theft.   Read More...