An umbrella policy is what it sounds like. It provides an additional layer of protection to your existing auto and property insurance policies. If you exceed the coverages provided by those policies, an umbrella policy will cover the lack.
It’s tempting to assume that a data breach or loss is never going to occur at your company. Unfortunately, that assumption isn’t a reflection of reality. Data is lost every day. Sometimes, that data loss is accidental. Other times, the loss is the result of hackers. When that loss occurs, will your business be covered?
Owning a car is expensive. You not only have to pay for the car itself, but you also have to pay for gasoline, car maintenance and repairs, and auto insurance. All those things can take a hefty tole on your budget.
September is Life Insurance Awareness Month. In honor of it, we thought we would examine why it’s important to have life insurance. Regardless of who you are or where you are in life, life insurance is an important component of planning for your future. It not only helps you to grow your wealth but also to protect it and the people whom you cherish.
If you are a business owner, you may be contemplating whether you need to purchase a commercial auto insurance policy. Perhaps you hired a new employee who will be making deliveries for your company. Maybe you bought a new vehicle for the business. No matter why you’re considering a commercial auto policy, you need to be able to understand why it could be a better choice than a personal policy.
The recent slew of severe weather has most of us thinking about one thing: our homes. We’re contemplating what we would do if something were to happen to our homes. We’re wondering what our homeowners insurance would cover.
Insurance is sold by two types of agents: captive and independent. Captive agents are tied to a sole company. For example, a State Farm agent can only sell State Farm products. Independent agents, in contrast, represent multiple companies and can provide a variety of products.