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»
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»
When a teenager gets his or her license to drive, it’s an exciting time – for everyone but the parent. Although you want to support your teen’s learning process behind the wheel, you’re also likely concerned about the child’s safety – and the fact that even a minor fender bender can increase your car insurance rate. While it’s not advisable to employ scare tactics in an attempt to make your teenager a safer driver, it can be valuable to discuss some important statistics so that he or she has a clear understanding of the risks of being in an accident or driving dangerously. Read More»
If you are just becoming a homeowner for the first time, you most likely learned about how much home insurance can actually cost. If the price was a bit of a shock, you should know that there are several ways that you can lower your yearly premium to put some cash back in your pocket. Consider these 3 tips for reducing your premium.
Bundle Multiple Insurance Policies
Unless you live in a major city with great public transportation, chances are that you have a car that you also need to have insured. Read More»
Starting to shop for a new home can be an exhilarating experience that only gets more exciting when you think that you’ve found the property that you’ll eventually buy. It’s understandable if you’re giving ample consideration to the size of the home and its attractive features, but it’s also worthwhile to think about how your home insurance rate will be impacted by the home. A wide range of factors can either increase your rate or decrease it. Read More»
Like most people, you want to protect your possessions and your life against any remote possibility of damage or loss. Policies for all of the above from a insurance provider (like Bear River Insurance) can be purchased through several insurance brokers. If you have never worked with an insurance broker before, here is what you can expect.
More Than One Kind of Insurance
When you work with a broker, there are dozens of different kinds of insurance. Read More»
If someone close to you has been arrested, then you might want to help them out. There are a number of ways that you can do this, but the easiest is often to assist in contacting a bail bondsman. If that is the case, then there are some things that you should know about bail, such as:
Whether Bail is Legal in Your State
The first question that you need to ask yourself is whether or not commercial bail is even legal in your state. Read More»