While no one should go about the holidays thinking that something bad is destined to happen to their new gifts, it’s important to know what’s covered under certain insurance options and how items can be protected from loss and damage.
Freak accidental deaths may sound like something made up, but they’re unfortunately all too real. To better understand what can be protected, here is a list of freak deaths that have actually happened and can be covered against with term life insurance.
Unique vehicles require special auto coverage. A classic, custom, collectible or antique car requires insurance that reflects your vehicle’s uniqueness and value. If you own a show car, it is in your best interest to learn about the kind of policy you need.
When running a business, you may be considering certain types of insurance to keep your operations, finances, and employees safe. Things like fire insurance, property damage coverage, and maybe even auto policies for business cars may first come to mind. But have you considered kidnap and ransom coverage?
The market for supply chain management has reached across the globe, and as relationships between nations continue to grow in terms of trade and commerce, few supply chains can exist within one country or part of the world. With international trading of goods and resources comes issues related to compliance and insurance, and supply chain companies need to understand where they stand.
Whether it is a slip, a fall or a trip, there’s only so much that can be done to prevent liability risks from occurring at your business. These issues can happen at any time and sideline customers or employees who take a nasty spill on your premises. Not every slip and fall case will lead to legal issues necessarily, but you can never be too sure of what kinds of problems will come up in the near future. If a valid claim is made, filed, and settled against your company, it can be hard to navigate and draining to your overall business.
Are you planning on making some upgrades or renovations to your home? Finally getting that new bathroom you’ve been eyeing or installing new cabinets in the kitchen? That’s always an exciting change, but can definitely add some stress to your plans when it comes to making sure insurance is set up and covering what you need.
After years of blood, sweat, and tears, your athletically-gifted student athlete has landed a full scholarship to play their favorite sport at the college level. This is exciting, life-changing, and something that could possibly open doors for them following their college career. But as you well know, playing any sport at an elite level can also open the door to injuries that can sideline them for a game, a month, or have long-term effects on them for the rest of their lives.
Every employee plays an important role in the workplace, and losing them suddenly is always detrimental to the business. It takes time to replace a quality worker that many companies don’t have the extra time to do. However, there are insurance measures that can be put in place in order to make sure that a business can recover from a major loss while still assisting the family of the late worker.
In Pennsylvania, individuals looking for the right personal insurance options for their automobile coverage have a few choices. Citizens in the state can choose between full tort, which allows policyholders to sue for pain and suffering, and limited tort and forfeit the right to compensation when it comes to pain and suffering. A limited tort option typically offers a small discount on a monthly premium.
In the last 20 years, individual states in the country began implementing workers’ compensation laws that require companies to provide medical expense reimbursements and other benefits to employees who fall victim to a workplace injury or illness. From major corporations to small businesses, workers’ compensation has become a regular component of benefits packages for employees.
Choosing the right home insurance deductible is an important step when it comes to getting the most of a policy. Every homeowners insurance policy has a deductible, so it’s important that everyone involved in ownership has a say. But what is all considered when choosing the right deductible and what are some factors that play a role?