Business owners need to protect their businesses from potential costly motor vehicle accidents involving hired or non-owned vehicles. Hired autos are the vehicles a company rents, leases, or borrows for business purposes. Non-owned autos are vehicles that employees personally own and use to conduct business for their company.

For small business owners, the costs of providing health insurance for you and your employees can vary depending on multiple factors, but it’s almost always a significant expense. Regardless, health insurance is still a benefit many small business owners strive to offer their employees, helping them to attract and retain top talent.

When you first get a new car, you’re probably excited about driving your vehicle and not about the auto loan you took out to finance it. But what would happen if you totaled your car? Would you have enough money to pay off the loan?

Just as you’d go to the doctor for an annual checkup or perform routine maintenance on your vehicle, having an annual insurance policy review is just as important. Reviewing your insurance coverage at least once a year is an excellent idea to help ensure that you, your family and your belongings are all protected.

It’s easy to get swept up in the excitement of buying a new car, but remember that there will be expenses other than just the purchase price. One of those costs is insurance for a new car. Auto insurance is important to get because it can help cover damage to vehicles and property, as well as injuries to people involved in crashes.

Winter brings cozy evenings by the fire, hot cocoa, and holiday cheer — but it may also bring harsh weather that can cause some serious damage to your home’s roof. Snow, ice, and constant temperature changes challenge even the sturdiest roofing systems, and without the right care, these seasonal stressors can turn small issues into big, pricey problems.

When it comes to auto insurance, the price you pay isn’t just a random number. Insurance companies use various factors to determine your premiums. While some of these factors are personal to you — e.g., driving record and where you live — others are directly related to the car you drive.

The ideal time to get ready for a snowstorm is long before one is in the forecast. Winter storms can bring cold temperatures, icy roads, power failures and a loss of communication services. Such conditions bring safety challenges, so you’ll want to plan ahead.

If you’re like most people, you’re probably asking yourself: Why are car insurance rates going up and is there anything I can do to lower my auto insurance rate? In this article, we’ll discuss factors affecting the market and ways to help lower your auto insurance rate. We’ll also explain how optional coverage packages could help reduce out-of-pocket claim expenses.

If you are a homeowner, or perhaps rent a home in which you are responsible for a certain level of maintenance, it is critical to winterize your home’s water system before the temperature drops to help ensure a winter season free from frozen pipes and potential water damage.

If you have an accident because of snowy conditions, collision coverage may cover the resulting damage to your car. However, comprehensive and collision are optional coverages, so be sure to add them if you want coverage for snow-related damage.