When shopping for auto insurance, you may be wondering if it’s less expensive to purchase commercial auto or personal auto insurance. The type of insurance you choose will depend on how the vehicle is being used. Typically, commercial auto insurance is more expensive than personal auto insurance. This is because commercial auto insurance often includes…
Alcohol can impair a person’s judgment and critical thinking skills. This impairment increases the risk of accidents. Therefore, if you are the owner of a business that serves, sells, or distributes alcohol, you need Commercial Liquor Liability. What does Commercial Liquor Liability Cover? Commercial Liquor Liability helps to protect your business in the event of…
When it comes to workplace accidents, illnesses, or death claims, it’s crucial to make sure that your business is insured with appropriate limits of workers’ compensation coverage. Without this coverage (or adequate limits), a business could be subjected to towering expenses for lost wages, medical bills, and other associated costs. Workers’ compensation is beneficial to both the…
Having a car crash is never a good experience, but there’s a way to soften the blow of these unfortunate occurrences, at least financially through a comprehensive personal auto insurance policy. Having a comprehensive personal auto insurance policy will help to mitigate and reduce possible financial loss when a car accident occurs. Without personal auto…
You might be surprised to find out that most commercial property insurers do not cover flood damage under their standard policies. However, this doesn’t mean your business won’t need coverage in the event of a flood. Many of us probably think of catastrophic conditions when we hear the word ‘flood,’ but in reality, floods occur…
It might seem redundant, and maybe even a little silly, to pay for flood insurance when you already probably spend thousands of dollars on homeowners insurance. But, there’s a logical reason for keeping flood insurance separate, and you’d be surprised to find out it’s in your best interest. What is Considered a Flood? Many of…
