do you really need the extra insurance?

  • Why You Need Insurance For Your Wedding Photography Business

    26 January 2018

    Are you starting off with a small wedding photography business? You may think that all you need is a camera to get going, but that could not be further from the truth. It is important to have insurance for your business, even if it is starting off small with very few clients. Here are some reasons why it will help to have business insurance. Personal Injury Protection Even a basic wedding video setup requires a bit of equipment.

  • Three Reasons To Consider A Term Life Insurance Policy In Your Senior Years

    17 November 2017

    Term life insurance policies have become increasing important in estate planning, especially for those of limited economic means. The following are three ways they may be able to help you. To not be a burden on family members If you don't have much wealth, at least not enough to cover your funeral expenses, a term life policy may be a good idea. There are life insurance policies that are designed to pay for your expenses that are incurred after you die.

  • 3 Tips To Prevent Employees' Worker's Compensation Claims From Being Denied

    29 July 2017

    Worker's compensation insurance is designed to cover the cost of employee medical bills and other costs in the event that they get hurt. As a business owner, it is important for you to have this coverage for a few reasons; for one thing, you might be required by law to do so. Secondly, you probably want to make sure that your employees are protected and that their costs are covered if they do get hurt on the job.

  • Two Factors That Influence Auto Insurance Prices That Are In Your Control

    24 June 2017

    Auto insurance is absolutely necessary in more ways than one. It is required by law in most states, and it can be integral if you are ever in an auto accident. You want to make sure that you have sufficient coverage to help you in your time of need, but you do not want the insurance monthly payment to be so high that it spreads you too thin financially. It can be tricky trying to find the best coverage for the lowest price, but there are a few different things that you can do that will help lower your monthly payments to the insurance company.

  • How Your Home's Age, Materials, And Condition Can Affect Your Premiums

    11 May 2017

    When you purchase home insurance for your house, the insurance company will base your premiums on a lot of different factors. While there are some you can control, there are other factors relating to your house and area that will affect your rates that you have no control over. Here are some of the factors relating to your house that may affect the amount you pay for your home insurance coverage.

  • Frequently Asked Questions About Excluding Drivers From Your Auto Insurance Policy

    4 March 2017

    If you are looking to purchase a new auto insurance policy, you may not realize that auto insurance companies can all log into a centralized database where they store customer information. One thing stored in this database is the information about who may live at certain addresses. If you are signing up for a policy, one of the questions your auto insurer may ask is whether you wish to exclude a certain driver who lives at the same address as you.

  • 3 Tips For Insuring A Historic Home

    19 September 2016

    A historic home can be a great place to live. Instead of being a blank slate, your home will have a unique personality of its own. There may be local history or even famous historic figures associated with the property, which can be a fun conversation starter. However, taking care of a historic property also comes with a unique set of challenges, which is something that you will need to consider when looking for insurance for your historic home.