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Driving and owning a car are not the same thing. Many drivers do not own cars, but still need to drive. Usually, standard auto insurance covers both vehicles and the drivers who own them. However, if a driver doesn’t own a car, he or she might not need the full coverage of a  standard policy. READ MORE >>

Here's an important aspect of life insurance to know. Most people can afford it. This type of insurance does not have to be expensive. For many people, it can be very affordable. If you do not have life insurance coverage, now is the time to speak to your insurer about this. READ MORE >>

An area of high risk for employee injuries is in walk-in coolers and freezers. These surfaces are slippery and often wet. Debris can collect on the surfaces as well. Trip and fall hazards are numerous. Equipment breakdowns may also put a dent in your finances. Most business insurance will provide some coverage for these risks. READ MORE >>

In recent months the United States has experienced several catastrophic flooding events, not least from Hurricanes Harvey and Irma. Flooding is a potent and devastating force of nature. It can leave widespread damages to your home, property and personal items. READ MORE >>

Some mortgage companies collect home insurance premiums with monthly payments. They divide the annual premium cost by 12. They encourage the homeowner to pay that amount each month in addition to their mortgage. The lender has an incentive to do this. It then knows confidently, the home has insurance. READ MORE >>

As we all continue to track Hurricane Irma, we must remember there is a possibility of a hurricane making landfall in our area. Now is the time to prepare. Please gather your insurance policies and other valuable papers. Make preparations for your safety and the protection of your property. READ MORE >>

Often, contracts involve more than just the contract owner and the contractor. Contractors may engage subcontractors and suppliers in various capacities. Failing to compensate subcontractors and suppliers may open the contractor to potential risks. An important aspect of surety bonds is how they may govern compensation of subcontracting parties. READ MORE >>

It seems like some people forget how to drive when rain falls from the sky. Instead of slowing down and using caution, plenty of drivers respond by speeding. Yet, pulling off to the side of the road and waiting until the rain stops is not a realistic option. Let's take a look at some safety tips for driving in the rain. READ MORE >>

Your current health status is heavily linked to your life insurance premiums. Are you a smoker? Do you have high blood pressure? Could you stand to lose 20 pounds? All of these can affect the risk you pose to life insurers. An unhealthy person may have to pay more for life insurance. READ MORE >>

When selecting any type of business insurance, the goal is to minimize risk. These policies are often for very specific types of risks. Yet, most business owners don’t recognize the risks they face just by operating their company. Why do you need all of this insurance protection? READ MORE >>

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