It can be a challenge as an immigrant to get a driver’s license as well as the necessary auto insurance. The good news is that if you are able to legally drive a car in the US, getting auto insurance should be possible, though there may be some difficulties throughout the process. Be aware of these 3 things when it comes to getting auto insurance. You Must Have A US Driver’s License Read More»
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»
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»
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»
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»