Term Life Insurance or Whole Life Insurance: Which One Should You Choose?

What Is Life Insurance? Life insurance is a contract between you and your insurer that helps you leave behind assets for your loved ones. This policy guarantees that your insurer will pay a specified amount of money to your beneficiaries once you have passed away. You’ll be required to pay premiums over the duration of Read More

Factors That Can Affect Your Car Insurance

As your vehicle gets older and its value drops, you’d probably expect your insurance premiums to drop too because you’re unlikely to file a huge claim if the vehicle gets totaled. However, while the value of your vehicle does impact your insurance premiums, several other factors also affect your auto insurance rates. Here’s some more Read More

Why Do You Need Workers’ Comp Even If You Have No Workforce

Workers’ compensation insurance can pay for the medical bills and lost wages that an employee incurs when they are injured or fall sick at work. As in all other states, California requires employers to have this coverage for their workforce. Nevertheless, do you need workers’ comp insurance if you’re a sole proprietorship with no employees? Read More

The Essential Small Business Guide to Data Privacy

If your business collects, processes, or shares data belonging to customers, employees, or business partners, then you have substantial privacy obligations. Regardless of your location, your operations are probably subject to state, federal, or even international data privacy regulations. This small business data privacy guide explains how to properly handle or use the information you Read More

All You Need to Know about High-Value Home Insurance

If you own a high-end residential property, then you might need specialized insurance to protect it against perils like fire, storm, or theft of personal belongings. This high-value home insurance guide will walk you through how this special policy works, what it covers, and how much it might cost you. Introduction to High-Value Home Insurance Read More

A Guide to Your Homeowners Insurance Deductibles in CA

Understanding homeowners insurance deductibles is essential in selecting maximum coverage at the lowest possible cost in California. Why do you need a policy deductible in the first place? You might also be wondering, which one is the better option between the lowest and highest deductible? In this guide, we’ll demystify the term “deductibles” to help Read More

Renovations that Can Impact Your Home Insurance Coverage in CA

Any upgrade that affects your home’s value or liability exposure during and after renovation will impact your homeowners insurance coverage. This article discusses the insurance implications of renovating your already covered property and the measures you should take to avoid creating coverage gaps. Renovations that Can Impact Your Home Insurance Your residential property upgrades may Read More

Life Insurance Myths Debunked

Purchasing life insurance can often seem like a confusing and overwhelming process. This is usually in part to misunderstandings about the importance of obtaining a life insurance policy that fits your families budget and needs. This article aims at debunking some of those myths that are preventing you from choosing a policy. If you haven’t Read More