An Overview Of Contractual Liability Insurance

As an entrepreneur, one of the best ways to protect your business is to invest in the right insurance coverage. One of the forms of coverage you need is contractual liability insurance, which many entrepreneurs don't know about. Below is a candid overview of this form of insurance coverage. What It Is Contractual liability insurance protects you from liabilities that may arise when you enter into a contract with another party.

Auto Insurance Riders You Should Consider Having

Many insurance companies provide their clients with the option of purchasing additional coverage along with the standard coverage offered by the policy. Such an additional coverage goes by different names such as a rider, add-on, or endorsement, among others. Below are some auto insurance riders that may be worth purchasing. Gap Insurance If you drive a leased car or you financed your car purchase, then there might come a time when you owe more on the car than its value.

3 Tips For Saving On Your Prescription Meds

Whether you are on anti-depressants, pain medication, or drugs to treat high blood pressure or diabetes, paying out of pocket for these drugs can be costly. Unfortunately, this is a common problem many people face. Thankfully, help is available. With this guide, you will learn a few simple solutions for reducing the cost of your important prescription medications. Go Generic One of the easiest ways to reduce the cost of your prescription medications is to use generic instead of brand-name medications.

The Importance Of Your Driving Record For Your Auto Insurance

Driving is something that many people over the age of 16 do, but it is not something you are entitled to. Instead, it is a privilege, and you can keep this privilege by proving you are responsible when you drive. Anytime you encounter a ticket, violation, or accident, it will be recorded, and these types of things affect your driving record. Here are several things to know about your driving record, the importance of it, and the effects it can have on your car insurance.

How To Shop For A Worker's Compensation Insurance Policy

Running a small business can be immensely rewarding. However, there are many things you need to stay on top of. You will need to research and obtain all the necessary permits and licenses that will allow you to do business lawfully. Things get even more complicated if you hire employees. If you have at least one employee, you're legally required to purchase worker's compensation insurance that will benefit your employee if they get sick or injured at work.

Understanding The Types Of Business Insurance You Need

Companies, even tiny enterprises run by one or two people, face exposure to potential losses on many fronts. Finding the right commercial insurance for your company is important, and it requires a bit of discussion about what your exposure actually is. Let's take a look at 5 of the most important kinds of insurance a business should carry. Commercial General Liability If your business is open to the public in any way, there is always the risk that an accident could occur involving a member of the public.

Car Insurance Mistakes That Lead To Higher Rates

Buying car insurance is a confusing process for many people, and because of this, there are a lot of people who make mistakes on their policies, and these mistakes lead to higher rates. If you want to pay less for your insurance, you should aim to avoid making costly mistakes, and here are three mistakes you should try to avoid making as they can lead to higher rates than what you should be paying.

How Your Location Affects The Rates You Pay For Car Insurance

When you request a quote for car insurance, the agent will likely want to know a lot of details about you, your life, and your car. Among the questions he or she will ask, there may be some related to your location. The reason agents ask questions about location is because it is a factor that can affect the rates a person pays for auto insurance. Here are a few things to know about this.

3 Things To Know About Medical Malpractice Insurance

If you are a medical professional, having medical malpractice insurance is a must. While your goal is likely to provide the best care possible, occasionally mistakes do happen, and when it comes to medical care, even small errors can have a very big impact. Medical malpractice insurance is something that can protect you in case of an error or a perceived error in the care you provide. Here are three things that you should know when it comes to this type of insurance.