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When even big hitters like Experian are hacked, it makes the news. If a small business suffers a cyber attack we don’t necessarily hear about it, but it happens. Stolen data can cost a company a lot of money, no matter their size. A small bu...

With sexual harassment in the spotlight, the hope is that employees and the companies they work for will be more sensitive to the problem and behave accordingly. The recent attention given to the subject makes it more clear than ever that serious...

When you’re trying to attract good employees for your small business, you may feel as if big employers have the advantage. After all, they usually pay more, offer the best benefits and demonstrate staying power more easily. But that doesn&rs...

Hiring employees, managing the business, paying the bills, monitoring customer service, motivating the staff… The to-do list seems to go on forever. Running a business is not for the faint of heart, but there are some steps you can take to...

If you work out of your home, there’s a good chance you need specific business insurance coverage. Even if you have homeowners or renters insurance, your policy may not do enough to meet your needs. Depending on the kind of business you have...

Workplace wellness programs have been helpful for larger companies in efforts to boost morale and enhance productivity, but what about small businesses? Even if you don’t have the budget for expensive solutions like an at-work gym, there are...

Chances are good your business is located in a state where Workers Compensation insurance is required. No matter how small your business is, and whether or not Workers Comp is required, coverage is good for you, your employees and your business....

Accounting software has simplified the accounting process for business and personal finances. Today, many software options are available, helping users avoid the one-size-fits-all dilemma. With a little bit of research you can find the accounting...

A lot of generalizations have been made about millennials, considered anyone reaching young adulthood in the early 21st century. A lot of what is said about them isn’t particularly flattering: they’re privileged, entitled, spoiled and,...

If you think your company is too small to worry about employee fraud, consider this: A small business with fewer than 100 employees had 28% higher losses from fraud than larger companies, according to a report by the Association of Certified Fraud...

If you live in certain areas prone to natural disasters, or particular states, you may need to get extra coverage beyond your homeowners policy. But, be prepared: it gets complicated! Policy Exclusions For Earth Movement Home policies don&...

If you’re like many of us, you haven’t actually read your homeowners insurance policy. Do you know what your policy does and doesn’t cover? Should you ever need it, you might be surprised. Because, the truth is, many fairly commo...

All lenders require you to purchase a homeowners insurance policy when you buy a home. That part’s simple enough to understand. But when you dig a little deeper into what home insurance is all about, it gets more complicated. Here are some t...

Going to be away from home during the holidays? Whether you’re going to a party, shopping or vacation, leaving your home for any length of time gives thieves an opportunity to break in. Take steps to keep your home and everything in it safe...

Homeowners insurance is one of those things you know you need, but you don’t know if you can afford great coverage. The good news is there are ways you can save without sacrificing the effectiveness of your policy. Here are some basic ways t...

There’s some confusion about the differences between renters insurance and landlord insurance, but the concept is straightforward: If you own the rental property, get landlord insurance, but if you renting the property from someone else, you...

So, does homeowners insurance cover animal damage to your home? The answer is: It’s complicated. There are a seemingly endless list of “ifs” and “buts” at first look, but overall there are guiding factors. Check y...

Firearms and homeowners insurance have a complicated relationship. The issues related to the topic range from policy limits to criminal or non-criminal acts to individual state regulations. Firearms and Insurance Rates Many insurance compa...

Homeowners associations (HOAs) are common, and not just for condominiums and townhomes. Some single-family detached homes are located within an HOA neighborhood or community. When buying a new home, whether multi- or single-family, it’s impo...

Home sharing service Airbnb now offers free Host Protection Insurance (HPI).  Although HPI covers up to $1M per incident, don’t expect it to be enough protection. The liability policy, like those offered by other vacation rental sites,...

A bad driving record comes with consequences, none of them good. One of the most well-known negatives is that, when a ding to your record your car insurance rates can go up. Fortunately, you may be able to do something about it. The Point Syst...

As spring and summer head our way, you may be planning a cross-country drive. A common concern with drivers is whether or not their auto insurance policy will cover them if they are in an accident out-of-state. Unless you’re traveling to a f...

Don’t own a car? You might still need to own an auto insurance policy. Called non-owner auto insurance, this kind of coverage can be a good idea and, in some states and circumstances, even required. Non-owner car insurance is a unique po...

It’s common knowledge that if you’re in an auto accident and file a claim your insurance rates are likely to go up. Many people decide not to report minor damage in fear of seeing their rates skyrocket. According to one report, if...

When you’re in a car accident, whether it’s minor fender-bender or a major collision, it’s very unsettling. You may be disoriented, not sure what to do next. The best way to be prepared for such a moment is to learn the steps tha...

When you decide it’s time to buy that new car you’ve been wanting, unless you are in a position to pay cash you’ll need to get a loan. For a lot of people, that step in the process is last, but do yourself a favor and think about...

Should you, or shouldn’t you? It’s common knowledge that whenever you file an auto insurance claim your premiums might go up. So should you or shouldn’t you file a claim? Whether you should or shouldn’t file depends. Wh...

When you rent a car, you have to make a lot of decisions. Should you purchase insurance for the rental? Which mileage plan does the company provide? Should you prepay for fuel? Making the wrong choices can be costly. Here are some mistakes to...

When you purchase car insurance your policy includes a deductible. You must pay the specified deductible amount before your insurance company pays for the remaining repair costs. In certain situations, the deductible can be waived. Here are so...

As with so many other sectors, artificial intelligence (AI) is tangibly changing the auto insurance industry. The goal is to improve customer service and safety, but also to save insurance providers and policy-holders money. One prediction is...

For a variety of reasons, people sometimes want life insurance but don’t want to go through a health exam. It’s a fairly no-muss, no-fuss way of getting a policy. But is it the right thing to do? The answer: it depends. Why Would Y...

A lot of single people believe there’s no point to getting life insurance. That makes sense, at first look. But, when you really give it serious consideration you may find that even if you’re single you might benefit from a policy.

POSTED JANUARY 22, 2018

If there’s one thing we can be certain of in this world it’s that life changes. Situations, lifestyles, ups and downs. That’s something to keep in mind when you’re planning for the future. This is every bit as true for wome...

You’ve decided you’re at that point in life where others rely on you – perhaps a spouse, children or other dependents – and you’ve decided it’s probably a good idea to buy a life insurance policy. You want to ma...

If you’re thinking about buying a life insurance policy you may be wondering, is life insurance a wise investment? You’ve heard that some kinds of insurance allow you to “borrow” against the accumulated cash value as a tax-...

Dependent life insurance provides coverage in the event a spouse or dependent child dies. Typically purchased to meet after-death expenses, the amount of coverage is typically modest. Dependent life insurance policies may cover: A spouse who is...

It’s not just your personal health that insurance companies are concerned about when considering providing your life insurance policy, and at what price. They also look at your parents’, and sometimes your siblings’, health histo...

Life insurance has proven to be a wise purchase for many, but there are still holdouts who decide it’s not for them. If you’re one of those who feel they just don’t need it, think again. Here are some of the reasons people don&rs...

A lot of Americans purchase life insurance, and they rarely decide to cancel their policies. Termination is possible, although only 4.4% of individual policies were voluntarily cancelled in 2015. While it makes sense to hold onto your policy, ther...

Who are you going to name as your life insurance policy beneficiary? You have many options. Your beneficiary could be a son or daughter, your spouse, a trustee or organization. The point is to make sure your assets go where you want them to. But a...