If you’re like most people, you don’t examine your insurance documents until you need to make a claim.
And that’s when you’ll notice it.
Your insurance company isn’t paying you enough to replace your totaled car, stating that your policy only reimburses you for “actual cash value.”
It’s a confusing distinction, understanding actual cash value vs. replacement cost is an important part of creating the coverage level you need.
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Maybe you’re starting a new business. Or perhaps you’re just curious about whether you’re overspending on your premiums. Getting an insurance rate comparison is a great way to research your options and get a policy that’s right for you.
But you have a choice: use up next week’s lunch breaks calling every insurance company you can or getting an insurance rate comparison from an independent insurance agent.
Aside from the fact that they’re completely free (yep!), here are five reasons why local independent insurance agents are better than buying your policies directly from the corporate office.
Just like a Business Owner’s Policy (BOP) combines multiple categories of protection into a single policy, typical homeowners insurance covers three major categories:
It is this last category—theft—that often raises questions, even among veteran homeowners.
Most business owners hear the phrase “general liability insurance” and assume that they are covered against “general” liabilities.
This assumption could not be further from the truth.
The fact is, as a business owner, your general liability insurance coverage isn’t enough to protect your business from every foreseeable risk.
Planning a trip should be fun—deciding where to stay, what to do, and where to eat. You definitely don’t want to worry about dealing with the aftermath of a car accident while you’re away.
Purchasing rental car insurance from the car rental company is a tempting option: you pay a few extra bucks a day and you don’t have to worry about a thing. But is it really necessary?
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As a restaurant owner, you’ve probably put a lot of thought into what beers to have on tap, what wines to include on your wine list, and what specialty cocktails your bar will serve.
But have you remembered to get liquor liability insurance?
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Owning a restaurant is a dream you’ve held for years and now it’s coming true! You’ve thought about your menu, seating options, even your logo, but have you thought about restaurant insurance?
Between your inventory, customers, and the business itself, restaurants carry a large amount of risk. But your pizza parlor, bakery, or cafe is also your livelihood. Is that a risk you’re willing to take? Having the right restaurant insurance policy can prevent you from having to kiss your dream goodbye.
So let’s take a look at 9 essential types of restaurant insurance that will keep you in business for years to come.
Maybe you’re starting a new business. Or perhaps you’re just curious about whether you’re overspending on your premiums. Getting an insurance rate comparison is a great way to research your options and get a policy that’s right for you.
But you have a choice: use up next week’s lunch breaks calling every insurance company you can or getting an insurance rate comparison from an independent insurance agent.
Aside from the fact that they’re completely free (yep!), here are five reasons why you should work with an independent insurance agent rather than buying your policies directly from the corporate office.
Let’s say that your e-commerce business has been doing so well that you’ve decided to scale things up and open a storefront or office. Do your insurance options need to change? How is brick and mortar insurance different from the coverage you had with your online business?
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Sifting through all of the different coverages that are part of insurance policy can be a very confusing task. There are things that pay for injuries to you. There are parts that pay for injuries to others. There are coverages that pay for damage to your belongings. There are elements that pay for damage to other peoples’ things. The list goes on and on. Today we’re going to look at Medical Payments and how they can help you avoid costly fees after an accident.
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