Making Sure My Family Is Covered

3 Reasons You Need General Liability Insurance

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Owning your own small business can be very rewarding, both personally and financially, but it also involves risks. When you work for someone else’s company, chances are they have liability insurance, which means you and your colleagues and clients are protected in the case of injury or damage in the workplace. When you own your own business, it is your responsibility to sign up for a general liability insurance policy. Here are three reasons why: Read More»

Why Your Clinic Needs Medical Malpractice Insurance

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If you run a medical clinic, chances are good that you already have some type of medical malpractice insurance policy. If you don’t, then you should consider adding this type of insurance to your policy as soon as possible. If you’re wondering why it’s important to have medical malpractice insurance, consider these primary reasons. You Might Be Required to Have It First of all, there are federal laws and regulations in place that medical clinics have to abide by, as you probably already know. Read More»

How Much Commercial Insurance Should You Carry?

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A common question when a business owner contacts a commercial insurance agency involves how much coverage they should carry. The answer hinges largely on what type of business you run and how much risk exposure you might have. Let’s look at how to assess the amount of commercial insurance you should purchase. How Is the Company Organized? A lot of your long-term risk exposure, especially to lawsuits, boils down to how the business is organized. Read More»

4 Basics for Saving on Auto Insurance for Seniors

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As a senior citizen, you may be on a tight budget, and overpaying for car insurance can really hamper your budget. As you get older, you may notice that your premium starts to creep upward again as you become, in the eyes of insurance companies, a little riskier to provide insurance to. Luckily, there are steps you can take to help reduce your auto insurance. Basic #1: Take a Safe Driving Course Read More»

Do Auto Insurance Premiums Change When You Pay Off Your Loan?

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When you purchase a car with a loan, you will have to make the monthly payments until you pay off the loan in full. For some people, this takes 36 months. For others, it takes up to 84 months. In any case, you might wonder if paying off your loan affects your auto insurance premiums. Here are several things to know about this question. Paying Off Your Loan Does Not Automatically Change Things Read More»