Umbrella Insurance Protection for Your Personal and Business Assets

Umbrella insurance is a security blanket that picks up where your other insurance policies leave off. Standard insurance policies usually have a cap that prevents further payouts once the maximum limit has been reached. Without an umbrella policy in place, you would be required to come up with the amount that is not covered by Read More

Understanding Professional Liability Insurance for Business

Professional liability insurance covers your business in many different ways. There are many incidents for which your company may be held financially responsible. This includes personal injury, property damage, and various other events that may lead to financial loss for both your company and your customers. Purchasing a professional liability insurance policy will protect you Read More

A Basic Guide to Umbrella Insurance: What You Need to Know

Accidents can happen at any moment. Sometimes a split-second decision can impact your future. If you are at risk of being sued, you could lose everything if you don’t have enough protection. Umbrella insurance can protect you from such sudden unfortunate events. This guide will help you figure out if umbrella insurance is necessary for Read More

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

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

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