Do I need business interruption insurance?

Most people would never contemplate starting a business unless they first purchased property insurance to cover the expense of repairing or replacing a structure or equipment damaged by a covered risk. However, far too many business owners fail to consider how they would keep their operations running if they were forced to temporarily close. Business …

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Fireworks cause $59 million of property damage a year. Your insurance policy may cover it

According to the National Fire Protection Association, fireworks caused $59 million in direct property damage in 2021.Property damage and liability claims are paid by homeowners and renters insurance. There are, however, exceptions to coverage. Exclusions in a policy, for example, may bar claims for unauthorized fireworks. Fireworks-related damage may or may not be covered by …

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How to save money on life insurance

Purchasing the incorrect benefits for a cheap premium does not result in savings. There are methods to save money on life insurance, but they don’t necessarily include paying a lower premium right away. Look for an insurance that fits your needs first and foremost. Purchasing the incorrect benefits for a cheap premium is a waste …

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Insurance options for green businesses

Businesses throughout the country are opting to become green. Environmentally friendly procedures and facilities may improve a company’s reputation while also lowering its energy and water expenditures. Government tax rebates and other incentives also encourage businesses to go green. While environmentally friendly structures and equipment can offer several advantages to organizations, they often incur additional …

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How is life insurance sold?

Personal Policy When you purchase an individual insurance, you select the provider, plan, and benefits and features that are appropriate for you and your family. You may be able to purchase the coverage from the same agent or company representative who offers you house, vehicle, and business insurance. And, while purchasing your life insurance and …

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How to know if term life insurance is right for you

Term life insurance policies are good for temporary coverage, but lack many wealth-building features. For many people searching for life insurance, a term life insurance policy could be a good fit. These policies cover a person for a set number of years and expire after that period. Unlike other types of life insurance, it doesn’t build …

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8 auto insurance myths

Know the facts to get the most out of your auto insurance budget.It is critical to understand the elements that influence your insurance prices and coverage when selecting a vehicle policy. Unfortunately, much incorrect information masquerades as “common wisdom”—here, we distinguish fiction from truth concerning vehicle insurance. Myth 1: The price of vehicle insurance is …

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8 smart steps for buying life insurance

Life insurance may be an important tool in financial planning, but choosing coverage that suits your needs and budget can be difficult without assistance. Don’t be concerned. A few basic steps can assist you in focusing on the most important components of purchasing a policy that meets your needs. Check to see if you require …

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