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Business Insurance
An incident could seem minor, like a customer who trips on a welcome mat or an employee who accidentally damages a client’s property. But a single incident could lead to a claim or lawsuit that could be distracting, costly and damaging to your business, brand and reputation.
Personal Insurance
In general, auto insurance will follow the car listed on the policy. It will cover your covered auto that is driven by you, a household family member, or by a licensed driver who has your permission to use your auto. There are some instances where insurance will cover the driver, like when renting a vehicle for personal use.
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Your business may change over time which means your insurance needs may also change. That’s why your business insurance plan requires a regular checkup. Especially when a small business is in the early stages of operation, one workers comp claim or lawsuit has the potential to shut down a business before it even has a chance to succeed.
An incident could seem minor, like a customer who trips on a welcome mat or an employee who accidentally damages a client’s property. But a single incident could lead to a claim or lawsuit that could be distracting, costly and damaging to your business, brand and reputation.
Leasing commercial space is an important step in growing a small business, whether you're expanding your current location or moving to a new location. With so much riding on a lease, it's important to read the fine print and know exactly what you're signing. Here are five considerations before you sign a commercial property lease for your small business.
If you are like many business owners, you might not take the time to thoroughly review a contract when it comes across your desk. You may leave this up to your office manager or casually review it yourself. Yet, effective contract management can help protect your business from many potentially expensive lawsuits and judgments
Did you know a man sued Uber for ruining his marriage because his wife used the app to discover he was having an affair? Lawsuits impact businesses every year. If your business is involved in one, it can cost you tens of thousands of dollars to defend yourself. The right insurance policies can make all the difference in keeping your small business operating during a lawsuit and financially viable afterward.
Cybercrime is a type of criminal activity that didn’t exist 30 years ago. If you were running your small business back then, you wouldn’t have been worried about hacking, data breaches, phishing, malware, or spyware. Today, cybercrime is a global concern for businesses of all sizes in virtually every industry.
Employment practices liability insurance, known in the trade as EPL insurance or EPLI, provides coverage to employers against claims made by employees alleging: Discrimination, Wrongful termination, Harassment, Other employment-related issues, such as failure to promote.
You may not worry much about stolen assets, but theft is the most common cause of loss for equipment covered by inland marine policies, followed by collision and fire damage. Help make sure your equipment is ready when you need it by protecting it from theft and vandals.
One of the biggest components of workers’ compensation is an effective return-to-work program. Eliminating injuries and illnesses is paramount for reducing workers’ compensation costs, but after an incident, an program can significantly reduce workers’ compensation costs for employers and improve the lives of employees by getting them back to work when there is an injury or illness
Serving alcohol is a common practice for restaurants, bars, catering companies, entertainment venues and similar establishments. While providing a wide array of beverage options is important, serving alcohol in particular can create a variety of risks for business owners.
Understanding when and how your car insurance covers repairs is crucial for every driver. Whether it’s a minor fender bender, a significant collision, or unexpected damage from a hailstorm, knowing the ins and outs of your insurance policy can save you time, money, and stress.
The process of buying a house can be filled with excitement, but it also comes with a fair amount of questions. One question you might ask yourself is, “When is the best time to buy a house?” There’s no easy answer, but if you come prepared with the right knowledge and strategies, purchasing your dream home on your own timeline may be easier than you think.
In general, auto insurance will follow the car listed on the policy. It will cover your covered auto that is driven by you, a household family member, or by a licensed driver who has your permission to use your auto. There are some instances where insurance will cover the driver, like when renting a vehicle for personal use.
There are two primary categories of life insurance: term and permanent. Term life insurance lasts for a set timeframe (usually 10 to 30 years), making it a more affordable option, while permanent life insurance lasts your entire lifetime. There are multiple types of permanent life insurance, including whole life, universal life, and variable life insurance.
You got into a car collision, now what? This situation may leave you wondering – should you file a claim with your insurance or pay out of pocket for the damages yourself? What if other people are involved? What if the only damages are to your own property? Your insurance is there to help in these situations.
When you think of water seeping into your home, the first thing you think of is probably a flood. But there are many more common causes of water backup, and they can get just as costly. In fact, on average, water backup claims are the third most costly types of home insurance claims, after fires and liability claims.
While car insurance premiums fluctuate based on numerous factors, including driving history, vehicle type and location, age is a significant factor used to help determine rates. Talk with your Zeiler Insurance to find the best option to decrease your auto insurance rates.
More and more people are choosing solar for their home’s electricity needs. Many homeowners also hope to save money over time by reducing their energy bills and taking advantage of tax incentives. While solar panels come with many benefits, they’re not a fit for every home. To decide whether solar power is a good decision for your home’s energy needs, consider the factors.
In Illinois, nearly 80% of all tornadoes occur from April 1st through June 30th. Adverse weather, such as high winds, heavy rain, hail and tornadoes, can cause extensive damage to homes and vehicles. Therefore, homeowners and drivers like you need appropriate insurance coverage, including policies and endorsements designed to provide financial protection against storm damage.
Tax season is a prime opportunity for criminals to hijack your identity for their own financial gain. Learn five ways to protect your personal information and help minimize your exposure to tax-related identity theft.