Tags: Insurance Basics

Four Types of Insurance Every College Student Should Consider

Four Types of Insurance Every College Student Should Consider

It’s that time of year when students across the country are getting ready to head to college. Whether you’re a brand-new freshman or a seasoned upper classman, you probably have a lengthy list of things to do and things to shop for before you go. Is insurance on your list? It should be. While it’s not usually an item found on your college’s what-to-pack list, here are four types of insurance every college student should consider before heading off to campus.   Health Insurance First, and probably most obvious, is health... Read More

Insurance Tips for New Parents

Insurance Tips for New Parents

Congratulations—you’re having a baby! Are you ready? You’ve probably already decorated the baby’s room, stocked up on diapers & wipes, checked out car seats and strollers, and started discussing baby names. Maybe you’ve even signed up for childbirth classes and thought about nannies and daycare, but there’s one more thing you need to think about now that you’re adding another member to your family. Insurance. That’s right. Have you thought about how having a baby is going to change your insurance needs? While insurance may not be the first thing... Read More

Disability Insurance—What You Need To Know

Disability Insurance—What You Need To Know

What would happen if you got hurt and couldn’t go to work—for a week, for a month, or even longer? How would your bills get paid? How would you pay for food and medical care? How many missed paychecks stand between you and financial disaster? Disability insurance can help you continue to pay your bills, keep a roof over your head and keep food on your table when you can’t work because of illness or injury. Traditional health insurance doesn’t pay for every expense related to an injury or illness.... Read More

3 Types of Business Insurance Every Company Needs

3 Types of Business Insurance Every Company Needs

Business Insurance is an essential expense for every company. But how much insurance and which types does your company need? The best way to make sure your business is properly insured is to meet with your insurance agent. But to get you started, here are three types of business insurance every company needs. Property Insurance Business Property Insurance protects business structures and their contents against loss due to fire, theft or certain other disasters. Whether you own your business buildings or lease them, you need to make sure that they... Read More

Top 7 Threats to Small Businesses

Top 7 Threats to Small Businesses

Optimism drives the entrepreneurial spirit, so it isn’t surprising that most small business owners consider themselves optimists. Too much optimism, though, can get a small business owner into trouble. A business plan built solely on the “best case scenario” is like a house of cards—one gust of wind (or fire or lawsuit) and the entire business can come crashing down. That’s why smart business owners temper their optimism with a healthy dose of reality. In other words, they learn to manage risk. The first step in implementing a comprehensive risk... Read More

Accident Insurance: Luck is Not a Strategy!

Why You Need Accident Insurance

What will you do if you have an accident next week? How will you handle the medical bills? What if you can’t work? Have you thought about it? Or, are you just hoping your luck holds out? When it comes to your health, your money and your life, luck is not a good planning strategy. Unexpected accidents (are there any other kind?) can wreak havoc on your savings and your life. An accident insurance plan can give you a cushion to help cover medical and living expenses if you do... Read More

Five Things You Need to Know About Small Business Insurance

Five Things You Need to Know About Small Business Insurance

Every business should be insured, but as a small-business owner the maze of insurance coverages, policies and carriers can be confusing and overwhelming. While it is good to talk with your fellow entrepreneurs, the best place to get insurance information is from an independent insurance agent who specializes in business insurance. Business insurance agents are familiar with a wide range of business needs, can help you understand the different business insurance coverages and will help you determine which type of business insurance is best for your company. Here are five... Read More

Cyber Liability Insurance–What You Need to Know

cyber liability insurance--what you need to know

Does your business use computers? Do you rely on technology for record keeping, transactions or services? Is your data protected? No, not the computers themselves, though that is important. Is your data protected? What will you do if a laptop is stolen or your computer system hacked? Cyber Liability Insurance is what protects your company in the event of a data breach, electronic catastrophe or even unwise social media use. Traditional liability insurance policies rarely protect against most cyber liability exposures. Standard commercial policies are written to insure against injury... Read More