Courtesy of iii.org Homeowners coverage provides financial protection against loss due to disasters, theft and accidents. Most standard policies include four essential types of coverage: Coverage for the structure of your home; Coverage for your personal belongings; Liability protection; Coverage for Additional Living Expenses Coverage for the structure of your home Your homeowners policy pays

Courtesy of iii.org If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgements against you and your attorney’s fees, up to a limit set in the policy. However, in our litigious society, you may want to have an extra layer of liability protection. That’s

Courtesy of iii.org Alcohol is a major factor in traffic accidents. Based on data from the U.S. Department of Transportation, National Highway Traffic Safety Administration (NHTSA), there was an alcohol-impaired traffic fatality every 51 minutes in 2015. Alcohol-impaired crashes are those that involve at least one driver or a motorcycle operator with a blood alcohol

Courtesy of iii.org Whether you own or lease a single business car or an entire fleet of commercial vehicles, you’ll need to purchase commercial auto insurance. Your insurance professional can help you weigh your risks and evaluate coverage options. But even with insurance in place, you’ll want to take steps to prevent accidents and protect

Courtesy of http://www.iii.org/fact-statistic/distracted-driving Results of fatigue from any cause include impaired cognition and performance, motor vehicle crashes, workplace accidents, and health consequences. Research shows that fatigue is a significant factor in motor vehicle, commercial trucking and rail collisions. Drowsy driving is a serious problem in the United States. According to a 2014 Centers for Disease

Courtesy of iii.org My five-year-old nephew, Ben, is a great source of pride to his electrician father, Dan. Last Halloween, Ben refused to trick-or-treat at a particular house because he noticed that the decorations there were a fire hazard. Halloween is supposed to be fun, but it has always involved risks and potential liabilities. The