FAQ

Question 1

What types of insurance are most important for a small business?

Accepted Answer

Owners of businesses providing services should consider purchasing professional liability insurance (also known as errors and omissions insurance). This coverage protects your business against malpractice, errors, or negligence in the care given to clients

Question 2

What is the most affordable type of auto insurance?

Accepted Answer

Liability-only car insurance is the cheapest type of coverage and meets legal requirements in every state. However, more than liability is needed if you have assets to protect or a significant amount of debt on your vehicle

Question 3

Why insurance is important?

Accepted Answer

Buying insurance is important because it helps you prepare for unforeseen circumstances that may negatively impact your finances. Insurance policies are offered by a variety of companies and provide protection against health, travel, car and home-related losses.

Question 4

Who has the cheapest home and auto insurance?

Accepted Answer

Who has the cheapest home and auto insurance?
The two companies most likely to offer the cheapest home and auto insurance bundles are State Farm and Allstate. When you bundle policies together, average costs come out at $2,739 per year—but unbundled home, and auto policies cost an average of $3,288 each annually.

Question 5

What is the purpose of commercial insurance?

Accepted Answer

Commercial business insurance covers businesses and corporations, generally designed to cover the business and its employees. Since there are so many types of companies with different needs and situations, commercial insurance can come in many shapes—from limited liability policies that cover only specific potential liabilities such as workplace accidents or environmental cleanup costs

Question 6

What is an umbrella insurance policy?

Accepted Answer

Umbrella insurance provides beneficial extra coverage beyond the limits and protections of your current policies. It not only offers protection for injuries, property damage, certain lawsuits, but also personal liability circumstances. Investing in umbrella insurance gives you peace-of-mind that any unexpected event or claim does not end up draining all your resources.

Question 7

What are the most common types of commercial insurance?

Accepted Answer

The most common are general liability, workers' compensation, commercial property, professional liability, commercial auto (and physical damage), product liability, and cyber security.

Question 8

How does the life insurance work?

Accepted Answer

Life insurance is a contract between you and an insurance company. In exchange for your premium payments, the insurance company will pay out benefits to cover expenses such as mortgage or funeral costs should you die during the term of your policy. Your beneficiaries can use them however they wish

Question 9

When is the best time to buy life insurance?

Accepted Answer

As we age, our chances of developing underlying health conditions increase—and so does the cost of life insurance. If you're 20 years old and want to buy a policy today, your rate will be lower than if you wait until you are 40, and waiting until age 60 usually means paying a higher price.

Question 10

Is landlord insurance worth the cost?

Accepted Answer

Landlord insurance is an invaluable protection for landlords. It protects you against liability if your property is damaged by tenants and can even help protect you from certain crimes committed on the premises.

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