Workers’ compensation insurance policy pays essential benefits to employees who are injured or get sick while performing their work-related duties. It covers their medical treatment and ongoing care and compensates them for a portion of their lost wages. The policy may also pay death benefits to the employee’s family if the injury or illness leads […]
If your car is stolen or declared totaled following an accident, an insurance adjuster will determine the value of your car at the time of the theft/accident and reimburse you depending on the terms of your policy. In some cases, the adjuster may come up with a car valuation figure that is way lower than […]
Knowing the difference between dwelling fire insurance and regular homeowners insurance is important if you own multiple properties. It’s easy to confuse the two types of policies due to their similarities, but the differences are significant. How Dwelling Fire Coverage Differs from Standard Plans Typical homeowners insurance policies pay for damage to the owner’s primary […]
The federal government requires all motorists in the United States except New Hampshire to carry some form of auto liability insurance coverage. Different auto insurance policies cover different risks, such as third-party liability claims, your medical bills, uninsured motorists, and the costs of repairing or replacing your car in the event of an accident. It […]
Typically, your personal auto insurance policy may also cover rental cars, provided they don’t exceed a certain weight. This means that if you rent a heavier vehicle like a moving truck, you will require a moving truck insurance policy. Most truck leasing companies provide different coverage options for moving trucks, some of which you can […]
When you have one or more forms of standard business liability policies, such as auto liability or general liability, you may decide to maximize coverage with an umbrella policy. The amount of extra protection needed depends on various factors, including your industry and inherent risks. Read on to learn more about determining the right limits […]
Introduction to Farm Insurance Your farm is a valuable asset. Whether you are operating your farm as a hobby or as a business endeavor, you should consider getting it covered with the right insurance. Farm insurance can give you peace of mind that things will be covered if something goes wrong. Here are a few […]
Thousands of people ride around in RVs (recreational vehicles) every day. RVs are generally seen as a comfortable form of transportation. Recreational vehicle insurance protects your recreational vehicle if you are involved in an emergency while you are traveling, camping, or if your RV is in storage. Is RV Insurance Mandatory? In some cases, RV […]
Becoming an owner and operator of a commercial freight truck is a large investment. Not only are you purchasing a giant vehicle, but you are also investing in your long-term future. Purchasing the right type of trucking insurance is a must. You must be able to protect your investment and yourself from various types of […]
Your auto insurance company relies on you to provide accurate and up-to-date personal information so that it can determine what your premiums should be. Withholding information or providing false information can invalidate your policy, leaving you responsible for all of the damages if an accident should occur. If you want your coverage to remain intact, […]