No company owner wants to undergo a workers’ compensation audit, but they are a fact of life if you run a business and have employees. Unfortunately, many audits don’t go smoothly and sometimes your insurer may make mistakes. Missouri-based Workers’ Compensation Consultants, which helps employers through the workers’ comp audit process, recently listed the 10…Read more
Most Small Businesses Are Underinsured
It is good news that small businesses are thriving, with many of them enjoying growing sales over the last two years. The bad news is that their insurance protection has not kept pace, according to a recent report. That means an accidental loss could undo all the progress they’ve made, or even threaten their survival.…Read more
What’s behind Soaring Auto Insurance Rates, and What You Can Do
Personal auto insurance rates continue increasing and even motorists who have had no accidents or moving violations are seeing their premiums climb at some of the highest rates for decades. Continuing a trend from the past six years, premiums increased an average of 17% in the first half of 2023, according to Insurify, Inc. The…Read more
Will Your Insurance Protect You from a Facebook Lawsuit?
Social media has grown by leaps and bounds over the past decade. What many people don’t understand are the unique risks that come along with social networking. Anyone using Facebook, Instagram, Twitter (now X), TikTok, or any other social networking site should exercise extreme caution in what they decide to say online. Online bullying can…Read more
Understanding Boat Insurance
If you have a boat or are considering buying one, you should understand your insurance obligations and what is permitted under your coverage. Owning a boat opens you up to a whole new set of liabilities, particularly property damage to a third party or physical injury to someone else. Policies also include a number of…Read more
New Car Totaled; Will Insurance Pay Off the Loan?
It’s a nightmare scenario for any new car buyer. You drive it off the lot and a few days later another driver runs a red light, smashing into your car and severely mangling most of the front end and irreparably damaging the frame — essentially totaling the vehicle. Luckily nobody was injured, but will insurance…Read more
Are You Covered for Personal Use of Company Vehicle?
Getting a company car is a coveted perk for employees, but it can also cause some coverage issues with your personal auto policy. The standard auto policy excludes coverage for non-owned vehicles furnished or available for your regular use. This means you are relying solely on the company’s insurance for protection. If for any reason…Read more
3 Ways To Reduce Workers’ Compensation Insurance
Workers’ compensation insurance can be a large cost center for a business, and if your employees are regularly injured on the job those costs can quickly become a financial burden, even in this period of low rates. Companies in industries with high rates of workplace injuries are especially vulnerable, particularly if an employee suffers permanently…Read more
10 Ways to Reduce Your Homeowner’s Premium
Homeowner’s insurance premiums are increasing at an alarming rate. You may be looking for ways to reduce your annual premium without skimping on coverage. After all, a large portion of your net worth resides in the same place as you do. But there are a number of strategies you can use to chip away at…Read more
Your Homeowner’s Insurance Won’t Cover Work Under Construction
Many homeowners who are renovating their homes, or building a new one, make the expensive mistake of not securing additional coverage during the construction phase. A fire may destroy your materials and equipment, or thieves clean you out in the dead of night. When you call your homeowner’s insurer, you find out it doesn’t cover…Read more
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