Driving Safely in Heavy Traffic
Navigating your vehicle in heavy traffic is stressful – and dangerous. To avoid a collision, follow these simple tips for safer driving in heavy traffic. Relax. You will eventually reach your destination, and being a few minutes late is better than being involved in a collision! Drive Defensively. Other drivers may drive aggressively, weaving in…
Read MoreBeginner’s Guide to Business Owners Package (BOP) Insurance
A BOP insurance policy covers all the major property and liability risks, and is typically the ideal insurance for smaller companies. A BOP policy protects your business against the following risks: Commercial Property Insurance: Your facility, equipment, and inventory make it possible to deliver to your customers. Property insurance provides coverage for damage to your…
Read MoreCan a Life Insurance Beneficiary Decline?
The beneficiary of a life insurance policy may not even be aware that they were named in a policy. The owner of the policy has the right to choose whoever they want as the beneficiary, but what happens if the beneficiary does not want the insurance payout? Does he or she have the right to…
Read MoreEssential Life Jacket Tips for Boaters
There’s a wide variety of life jackets on the market with options to fit every age, size, and water-bound recreational activity. You can find designs specifically tailored for recreational boating and water sports like skiing and riding on personal watercrafts, as well as styles for hunting, fishing, paddle sports (such as canoeing, kayaking, and paddleboarding),…
Read MoreIntroducing the YourTurn Program
Our roads are full of distractions that lead to unsafe driving behaviors, especially for young drivers. Every year, distracted driving causes thousands of deaths in the U.S. That’s where our driving safety app, YourTurn®, comes in.1 By measuring certain criteria such as speeding, hard braking, and phone usage, the YourTurn program helps to make drivers…
Read MoreDo I Need Boat Insurance for a Non-Motorized Boat?
Depending on where you live, you may not be legally required by the state to carry boat insurance for a non-motorized boat, but that is not the only reason to insure your boat. If you have invested in a sailboat, kayak, canoe, or RIB (rigid inflatable boat), boat insurance will protect your investment if the…
Read MoreThe Importance of Reviewing Your Life Insurance Policy
You have likely already completed the hard part – putting a life insurance policy in place. However, it’s imperative you review your policy (or policies) at least once a year. The review will protect you from paying more than you need to, allow you to increase your coverage, or convert a term life insurance policy…
Read MoreDo I Need Insurance for Undeveloped Property?
If you own undeveloped property, does it need to be protected with a separate insurance policy? The personal insurance section of your homeowners policy may cover vacant land up to a specific limit. If a lawsuit is filed against you for personal injury on the property, the policy limit may be too low. Personal insurance…
Read MoreDo I Need Commercial Property Insurance for A Shared Office?
If you work in a shared office space, it is essential to ensure you are protected against specific risks. If your business operates out of a coworking space, a commercial property insurance policy brings added protections. The office furniture and equipment owned by your business will be expensive to replace if a fire or other…
Read MoreProfessional Liability Insurance vs. General Liability Insurance
All businesses, large and small, face the risk of liability. Professional liability insurance and general liability insurance both provide protection for your business. The main difference between these two types of insurance is the different risks they cover. What Is Professional Liability Insurance? Also known as errors and omissions (E&O) insurance, professional liability insurance is…
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