Understanding your car and home insurance deductibles can mean the difference between making informed financial decisions and throwing good money after bad. Most people understand that a deductible is the amount the policy holder is responsible for paying whenever they file a claim. However, deductibles often have far more implications.
Business insurance is a necessary and vital way to help you protect your business from various threats and risks that can have an adverse affect on it. Basic business insurance should protect your business property and assets as well as provide liability coverage to protect you from lawsuits. You might also need coverage to help protect you and your employees from work-related injuries and illnesses.
As a manufacturer, you know the importance of ensuring every step of the process runs as smoothly as possible. You know that if just one aspect of the production of your product is neglected, the entire line is in jeopardy. Business insurance works the same way. The company can have the best property insurance and workers compensation package available, but if your business doesn’t carry sufficient liability insurance, the whole venture is at risk.
As the popularity of motorcycles and other two-wheeled vehicles increases, many new riders are asking more questions about their insurance coverage. Motorcycle ownership increased an astounding 75 percent between 1998 and 2007, according to registration records. Unfortunately, the growth in motorcycle sales and registrations in the United States has been accompanied by an increase in accidents, property losses, injuries and fatalities involving motorcycles.
Auto insurance is a necessary means to protect yourself from the financial consequences of car accidents and other damage to your vehicle. Many of us may get our quote and take it for granted that “it is what it is” without exploring any additional savings opportunities. But have you received all the discounts that you qualify for? Do you know all of the ways that you can save a few dollars on your auto insurance premiums?
It’s raining lawsuits. Do you have an umbrella? You may not think you will ever be subject to the litigation process, but in modern “sue-happy” society, can you afford to take that risk?
Hail and wind are common with summer storms, and can cause serious damage to your vehicle or your home. Louisiana is not only subject to wind and hail from severe storms, but also from tornadoes and hurricanes.
Many of us hang on to things long after they are useful. Whether it’s that old team jersey we used to wear every Friday, that busted electronic device we’re going to have fixed “one day,” or that box of old school reports, we have a hard time letting go. The same can be said of car insurance and how much you actually need.
With another brutal winter under our belts, many people are itching to pull the RV off its blocks and hit the road. As you chase out the critters that made your RV their hibernating homes, check the tire pressure and update your registration, it’s a good time to review your RV insurance policy to be certain your mobile vacation destination is covered for the new season.
This time of year, many homeowners are dusting off the pool toys from their long months of disuse during the cold winter. While swimming is a fun, relaxing time and a great source of physical activity and exercise, owning a pool can increase your risks for having to file an insurance claim on your homeowner’s policy. While you and your family or guests’ safety is your No. 1 priority, taking these simple steps can also avoid costly claims.