Insurance Blog

8 Myths About Auto Insurance

Courtesy of iii.org When purchasing an auto policy, it’s important to understand the factors that affect your policy costs and coverage. Unfortunately, there’s a lot of bad information that passes for “common wisdom”—here, we separate myth from facts about car insurance. Myth 1 – Color determines the price of auto insurance It doesn’t matter whether

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Do You Need Insurance for a Home-Based Business?

Courtesy of iii.org Whether you’re running a part-time, seasonal or full-time business from your home, you’ll want to carefully consider your risks and insurance needs. Starting a business—even at home—can be a challenging venture, and having the right insurance can provide a financial safety net and peace of mind. Your insurance choices should, in part,

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Disasters & homeowners insurance

Courtesy of iii.org Standard homeowners policies cover a wide range of potential disasters, from tornadoes to lightning strikes to winter storm damage. Policies do vary, though, so for your own peace of mind, check yours for the specific perils covered. Learn what’s generally covered by each homeowners insurancepolicy type—and what’s not. What type of disasters

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Tornados-What is the Risk?

Courtesy of iii.org Tornadoes A tornado is a violently rotating column of air that extends from a thunderstorm and comes into contact with the ground, according to the National Oceanic and Atmospheric Administration (NOAA). In an average year about 1,000 tornadoes are reported nationwide, according to NOAA. Tornado intensity is measured by the enhanced Fujita

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Household Help & Insurance

Courtesy of iii.org Accidents happen—and if they happen to people you’ve hired to come into your home or onto your property to work, you’re financially liable. It makes sense to understand how you’re already covered and when to further insure household help. Appropriate and adequate insurance coverage depends on the nature of the employee’s position

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Family Employees & Business Insurance Tips

Courtesy of iii.org One might think that family-owned and operated businesses would be relatively immune from employee lawsuits, but that’s not the case according to a recent Gen Re article. The reasons family-owned businesses get sued include: most family owned businesses employ at least one non-relative; the non-relative is likely to be first to be

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