Savvy business owners know to follow safety precautions and best practices for the workplace. But whenever you or an employee leave your premises to conduct business off-site, the liability risk doesn’t end there. Do you have the right off-site safety measures in place?

Rear-end accidents can cause serious harm to people and property, and can result in significant costs for business owners. If your employee is at fault for a collision while on work duty, your business could be held financially responsible – no matter if that employee is driving a company vehicle or their own

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.

Gravel, rocks and various forms of debris can come flying toward your car when you least expect it and leave quite the mark on your windshield. Since windshields with cracks are the most frequent auto insurance claim in the United States, we’ll help you know know if you need windshield repair or windshield replacement.

Your roof is more than just a covering; it's your home's primary defense against the elements. From scorching sun to torrential rain, your roof endures constant exposure, making regular maintenance critical. Failing to maintain its condition can lead to costly repairs, structural damage, and even compromise the interior of your home.

If a tree falls on your home, it could cause damage to your property or even injure someone. So you may be wondering if your homeowners insurance policy will cover the costs of tree removal and repairs. Read on to learn more about when homeowners insurance covers tree removal, and when it does not.

The American Veterinary Medical Association states there are nearly 90 million dogs living in U.S. households. About 4.5 million people are bitten by dogs each year, most of them children. Homeowners and renters insurance policies typically cover dog bite liability legal expenses, up to the liability limits. Some insurance companies will not insure homeowners who own certain breeds of dogs categorized as dangerous, such as pit bulls.

In most states, when an accident occurs one party is usually considered "at-fault" and must cover the injuries of the other driver and their passengers. In some states, known as "no-fault" states, medical bills are covered by each driver's individual personal injury protection coverage instead of the at-fault driver's insurance.

Homeowners insurance may pay for hail damage to your roof, siding, and any other part of your property, minus your deductible. Hail is typically a covered peril on standard homeowners policies, but your policy may have a separate deductible for damage caused by hail — especially if you live in an area prone to hailstorms.

Other Structures coverage provides financial protection for structures on your property that are separate from your main dwelling (i.e. not attached). Other Structures covered under Coverage B include: Detached garages, Sheds and workshops, Barns, Gazebos, etc.

Harsh winter months take a toll on your vehicle’s battery, tires, fluids, and overall performance. As the seasons change, your car needs a little extra attention to recover from winter’s impact and prepare for spring’s varying conditions. A spring car tune-up checklist can help you keep your vehicle in top shape, improve safety and efficiency, and avoid costly repairs.