Three Things To Do Before Making A Claim On Your Homeowner's Insurance

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As a homeowner, one of the most important things to do is take out a homeowner’s insurance policy. Over time, you may find yourself in a situation that requires you to make a claim on your homeowner’s insurance. Before making the claim, take a few moments to evaluate whether or not it makes financial sense to make a claim against your insurance. 1. Know Your Deductible The deductible is the amount that you must pay before your home owner’s insurance provides coverage. Read More»

Get Itemized Statements From Subcontractors So You Don't Overpay For Workers Compensation Insurance

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As an employer, you must pay workers compensation insurance premiums for all workers that your insurer covers. This includes all of your employees, as well as any subcontractors you use that your insurer provides workers comp coverage for. To make sure you don’t overpay on your premiums, make sure you get itemized statements from all of your subcontractors. Calculating Workers Compensation Insurance Premiums Because workers compensation provides workers who are injured on the job with financial payments based on their salaries, workers compensation payments are also based on workers’ salaries. Read More»

Important Tips For Insuring Your New Photography Business

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Outfitting a new photo studio of any size can be costly. The initial startup period for any photographer comes with investments in cameras, lenses, lighting, backdrops, props and more. When you add in the cost of computer equipment and software licenses for post-processing, you’re talking about a lot of money tied up in that space. It’s important that your commercial insurance policies go beyond just the basic liability coverage. Here’s a look at a few things to keep in mind as you shop for insurance for your new business. Read More»

Tips To Bring Down The Rates Of Your Car Insurance

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Are you paying more than you had hoped to pay for your car insurance policy? If you are, you may possibly be missing out on some saving opportunities. It can be easy to assume that the only way to bring down the cost of your car insurance policy is to remove or reduce some of the coverage that you obtain with your policy. However, this can expose you to risk, which can end up costing you more if you are involved in an accident and don’t have the full coverage that you need. Read More»

3 Big Reasons Business Insurance Is A Must Have For Your Home-Based Retail Business

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It is not at all uncommon for businesses to startup at home, especially small-scale retail businesses. After all, operating your business at home means that you get to skip the expense of investing in a storefront and keep more of your profit. If you have a small retail business and you are just starting out from your home, you may assume that commercial insurance is not something that you will need. Read More»