Why You Should Consider Earthquake Insurance

Why You Should Consider Earthquake Insurance

If you live in an area where earthquakes occur, it is important to ensure that your assets are protected. Many traditional homeowner’s insurance policies do not cover this natural disaster, so you may need an additional plan, such as one from FGIB.com, for optimal protection. There are three parts when it comes to basic earthquake insurance. The first is coverage for your dwelling. It covers the home up to a certain limit. In general, the limit is the same as…

Read More Read More

What’s the Difference Between Liability, Collision, and Comprehensive?

What’s the Difference Between Liability, Collision, and Comprehensive?

Shopping for auto insurance in NM? Understanding the basic components of a vehicle policy can help you choose the best type to meet your needs. Here’s a quick breakdown of liability, collision and comprehensive coverages, along with what types of claims each one usually handles. Liability: An Insurance Basic The liability component of your policy pays for damages related to third-party personal injuries, death and property damage resulting from an automobile accident. For vehicular insurance in NM, the state has…

Read More Read More

3 Facts to Convince Your Customers to Buy Renters Insurance

3 Facts to Convince Your Customers to Buy Renters Insurance

Renters insurance is an undersold policy type in the United States. More people are renting than in the past, but most assume that because they don’t have expensive furniture or because the landlord has homeowners’ insurance, that they don’t require their own insurance. When your agency purchases wholesale renters insurance in Florida, there are three big facts you can give your customers to make them more likely to buy. The first fact is that most renters policies come in under…

Read More Read More

Employee Benefits of Business Insurance

Employee Benefits of Business Insurance

When you own a business in Fieldale, Virginia, being able to offer your employees a variety of benefits all under one umbrella of service can offer them many advantages. Not only do these benefits help them take care of their health and that of their family members, it can give them peace of mind when it comes to preventative care and being able to afford emergency medical services. Buying business insurance in Fieldale can make choosing and paying for insurance…

Read More Read More

There is No Replacement for Industry Expertise

There is No Replacement for Industry Expertise

Purchasing New Mexico business insurance is a priority for most business owners in the Land of Enchantment. Even if you do everything right—meaning you take all the right precautions, implement all the right procedures and impose all the right contracts—running a business still poses many risks. Employees can become injured on the job. A client may be dissatisfied with the services they receive. A cyber attacker may steal all of your customers’ most confidential information. Because there is no telling…

Read More Read More

Don’t Skip These Car Insurance Coverages

Don’t Skip These Car Insurance Coverages

If you are searching for a Texas insurance agency to help you insure your automobile, it is worth knowing a few things about auto coverage before you get a quote. Law requires some coverage. Other coverages are not required but could save you money. Know Your Car Insurance Coverages The law requires you to carry liability insurance if you drive a vehicle. Liability covers bodily injury to other drivers and damage to their property if you are at fault for…

Read More Read More

D&O Coverage for Nonprofit Organizations

D&O Coverage for Nonprofit Organizations

The last decade has seen a significant increase in nonprofit liability claims. Because the resources of many organizations are insufficient to provide the most desirable support, directors and officers may be vulnerable. Axis management liability coverage can protect the management team and defend the organization from claims that may result in millions of dollars in jury awards and settlements. The nonprofit sector has two predominant types of organizations, and each has different forms of exposure for their directors and officers….

Read More Read More

5 Insurance Must-Haves for Small and Medium-Sized Businesses

5 Insurance Must-Haves for Small and Medium-Sized Businesses

As a small or medium-sized business owner, you are facing unique risks. It is recommended that you get a comprehensive insurance package and financial guaranty insurance policy so you’re covered when things go wrong. 1. Professional Liability You need professional liability insurance as your standard liability insurance does not cover your liability involved with being a business owner. Errors and omission insurance is part of this and covers claims for inadequate work. 2. Commercial Property No matter if you own…

Read More Read More

Uncommon Business Coverage

Uncommon Business Coverage

While business insurance can cover common incidents, there are also less common ones it can cover, too. Business insurance in Wantage, New Jersey, covers some cases you may not have heard of, like fidelity insurance and interruption insurance. Here’s a look at these lesser known possibilities. Unauthorized Employee Activity Fidelity insurance serves to protect a business from dishonest acts by an employee. This could be anything from steeling money to inappropriate behavior with a customer. As a business owner, you…

Read More Read More

Homeowner’s Insurance for Prefab Homes

Homeowner’s Insurance for Prefab Homes

Prefab homes are built in sections at a factory, then transported and assembled on site, accelerating construction time. A house constructed in this manner can be less expensive and more energy efficient than other homes. Modular homes have become a popular option in recent years, as they are less expensive than traditional stick built options. Insurance companies have responded accordingly by offering full-coverage policies. Prefab home insurance programs can help homeowners protect their investment with varying levels of coverage options,…

Read More Read More