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Small businesses are embracing artificial intelligence to write emails and respond to customers. AI also helps manage records, analyze sales and automate routine work. But problems can arise. Learn how to use AI safely in your small business.
Personal Insurance
A revocable trust is often the simplest and most flexible way to pass on a home since it allows you to keep full control during your lifetime and clearly direct how the home (or its sale proceeds) should be handled. Alternatives such as joint ownership, transfer-on-death deeds, or a will may work in some cases, but they can involve trade-offs around probate, flexibility, and planning for contingencies
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Small businesses are embracing artificial intelligence to write emails and respond to customers. AI also helps manage records, analyze sales and automate routine work. But problems can arise. Learn how to use AI safely in your small business.
Water damage can happen without warning and cause major issues for your business. We'll walk through what commercial water damage insurance typically covers, what it doesn't, and how to navigate claims so your business stays protected.
If you're responsible for property that isn't yours and it gets damaged, your standard coverage likely won't pay for it. Care, custody and control insurance can protect your business from that risk.
As a business owner, it’s not always easy to figure out which types of insurance coverage you need. Especially with so many different coverages for employee healthcare. To protect your employees, it’s important to understand the difference between the coverages.
Business owners aren’t legally required to have breach of contract insurance, but it’s recommended. When you agree to do business with a client, it’s important to have a signed contract detailing the arrangement between the two parties. It sets clear expectations about each party’s responsibilities and provides important legal protection for your business.
Large local events can bring in a host of new customers. They also increase business risk. Here's how to prepare so your business can reap the rewards without suffering from the risks.
You might find that your small business insurance cost is higher or lower than a colleague who runs the same type of shop just a few blocks away. While two businesses might both be in the retail industry, their daily operations, the number of employees they have, and their location can all influence their costs.
Although personal auto and commercial auto insurance are both types of vehicle coverage, they protect drivers in different ways. Understanding what your personal and commercial liability insurance policies cover can help your business survive pricey car accidents, legal fees, and damages.
Whether an auto accident injury is covered by a workers’ compensation insurance policy will depend on the circumstances surrounding the vehicle’s use at the time of the collision. In most cases, an injured employee will qualify for workers’ compensation coverage if the car crash occurred in the course and scope of employment.
Loss Run reports provide a summary of a small business’ insurance claims history, including the types of claims filed in the past, the frequency of past claims filed and the related costs. This data is used by insurers to help figure out how risky a business is to insure. The calculated risk directly impacts the premium amount a business will pay for insurance.
When you place your property in a revocable living trust, you’re taking an important estate planning step. However, many property owners overlook a crucial detail: updating their insurance policies to reflect this change in ownership.
School days bring congestion: School buses are picking up their passengers, kids on bikes are hurrying to get to school before the bell rings, harried parents are trying to drop their kids off before work. It's never more important for drivers to slow down and pay attention than when kids are present .
A revocable trust is often the simplest and most flexible way to pass on a home since it allows you to keep full control during your lifetime and clearly direct how the home (or its sale proceeds) should be handled. Alternatives such as joint ownership, transfer-on-death deeds, or a will may work in some cases, but they can involve trade-offs around probate, flexibility, and planning for contingencies
Open enrollment is coming up – the time of the year when you have the option to sign up for health insurance and other benefits or make changes to your current plan. Often, what seems like a straightforward process can actually feel quite overwhelming. Get the information you need to understand the process, choose the best benefits options and move forward with confidence.
When this happens, the first question you may ask is, does car insurance cover hail damage? The short answer is yes, but only if you carry comprehensive coverage. This article explains what auto insurance typically covers after a hailstorm, how comprehensive coverage and deductibles affect payouts, and steps to document damage and file a hail claim.
Boats are sturdy modes of transportation, but even the most seasoned boater with the sturdiest watercraft must keep one eye on weather forecasts to avoid serious damage. Consider some tips to help minimize the potential of damage to your boat.
Hazard insurance is a term you may hear when buying a home or reviewing your mortgage paperwork. Here’s what hazard insurance means, what it may cover, what it typically excludes, and how to make sure your home has the protection it needs.
Hail can be common during these storms. Check your roof for signs of hail damage. Dislodged shingle granules and clogged gutters could be signs of hail damage to your roof. Find out how hail damage looks on your roof type: asphalt shingles, metal roofs, slate/tile, or wood roof. Some roof shapes have higher risk of hail damage.
Summer can be a difficult time to focus on home maintenance with the warm weather and all-day barbecues. While it’s much more fun to soak up the sun and relax outside with friends, investing a little time and effort now can save you from future headaches and expenses.
In general, if your pool is damaged by a covered peril, it will be covered under your homeowners insurance policy. The way your policy is written will determine whether your pool is considered part of your home or viewed as part of your “other structures” coverage.
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