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There is nothing better than being out in your own boat on the open water. However, practicing safe boating and having the right insurance policy is critical to your well-being, passengers and your craft.
Many states now require boat owners to have boat insurance. If you have a loan on your boat or use a marina, you may also be required to have boat insurance.
You might be new to owning a motorcycle or you might be an enthusiast with years of riding experience. But, one thing that is consistent across the board is the importance of having the right motorcycle policy to meet your needs.
A recreational vehicle (RV) is all about your free time. You don’t need to worry about dealing with airlines, rental cars, and hotel rooms. You can decide when to go, where to go and, best of all, how long it will take you to get to your destination.
When it comes to your classic car, a regular auto policy just won’t do. While most cars depreciate as they age, a classic or collector car appreciates in value.
If you have an accident, auto insurance can help protect you against financial loss. Very simply, it is a contract between you and the insurance company. You agree to pay a premium and the insurance company agrees to pay for your losses, due to an accident, as defined in your policy.
Do You Have Coverage in Case a Disaster Hits?
Homeowners insurance covers the most common dangers that we’ll probably be exposed to. Fire, lightning and internal explosion (like a furnace exploding) are examples of threats covered on most homeowners insurance policies. However, there are other dangers that you might consider worth adding to your homeowners policy.
What is peace of mind worth to you? For some, it’s knowing that they are protecting their assets and future with personal umbrella liability insurance.
Do you live in a condo? If so, keep in mind that your condo association coverage will only cover the exterior of the condominium. When it comes to your home, condo insurance will cover your unit, protecting you and your home, everything that the condo association’s master policy doesn’t cover.
With spring not only do we get warmer temperatures but we also get rain and melting snow. And, until the ground thaws, melting snow and rain can’t be absorbed. Once it melts, the water can result in the overflow of streams, rivers and lakes that flood nearby homes and businesses. All this may lead to flooding.
When buying a home you think about the mortgage and the bills associated with owning a home. But, just as important, is to figure out what your homeowners insurance will cost.
Are you renting an apartment? If so, keep in mind that it’s up to you to protect your personal belongings from damage or theft with renters insurance.
Your landlord insures the building in which you live. However, it’s up to you to protect what is inside your apartment? As a renter, you need insurance to cover your personal things, such as clothing, furniture or electronic equipment.
There are four key components consisting of:
Did you know that is more than one option when it comes to long term care insurance?
With the traditional long term care insurance you pay your premium, and if you need long-term care due to age or illness, the policy pays out a daily or monthly benefit. Some people think that if they die without needing long-term care, they feel they’ve “wasted” the premiums.
Learn the facts about your need for Long Term Care
We won’t admit it but NOW is the time to start planning for our long term care needs. Planning ahead is important because 70% of people turning age 65 can expect to use some form of long-term care during their lives. And, most likely the older you get the greater the chance you will need long term care.
When it comes to insurance there isn’t a one-size fits all approach. This is especially true when it comes to long-term care insurance.
Any business that uses technology or collects data is at risk of a cyber attack, and the results can be catastrophic—to your company’s reputation and your customers’ data. Without a dedicated cyber policy, most businesses do not have adequate insurance coverage following a data breach.
As we all know, data breaches and other cyber crimes are becoming more common every day. Not only do they impact consumers and but they impact businesses.
If you or your employees use company vehicles then you need to think about adding commercial auto insurance, which helps your business cover the financial costs resulting from an auto accident if you or an employee is found at fault.
Anyone who comes in contact with you or your employees in the course of your business can file a claim or lawsuit against you for any number of reasons—from a customer injury to a broken contract.
As a partner or co-owner (private shareholder) of a business, you’ve spent years building a valuable financial interest in your company. If you thought about setting up a buy-sell agreement to ensure your surviving family a smooth sale of your business interest than consider life insurance.
A good liability risk policy can help mitigate the chance that your business will be sued. As careful as we may try to be, mistakes happen that might result in an injury to someone or damages to property. Or, a mistake could harm the reputation or interfere with the privacy of a customer or client. As a result, you may be legally liable to pay damages to someone who suffers a loss due to your actions or inaction.
Umbrella liability insurance is an extra insurance policy that covers some expenses not covered by other liability insurance policies.
Errors and Omissions (E&O) is insurance to protect you and your company if a client claims they suffered a financial loss because of an error or an omission committed by you in the delivery of your professional services. This could result in a lawsuit.
How quickly your business can return to full operations after a major disaster such as a storm, fire, or a flood often depends on emergency planning you do today!
Workers’ compensation is must-have insurance for companies with employees in order to provide benefits to employees who are injured or become ill on the job.
Key Person Insurance is a critical component of any organization because it can help the company survive the blow of losing an integral member of your business.
As a business owner, it is in your best interest to offer your employees a comprehensive benefits package, but how do you know what works and what doesn’t? Health insurance is a good place to start but there are so many options to choose from.
No matter what the size is of your business you will need some level of insurance to protect you and your business. For small businesses, insurers often combine a number of insurance policies into a package sold as a single contract. The most common policy for small businesses is the Business Owners Policy (BOP).
With health insurance costing more and delivering less these days most people today are experiencing a growing financial burden that they’re ultimately responsible for. As a result, the demand for supplemental health insurance products is growing and Critical Illness insurance is one of those products.
The economic impact of these fatal and nonfatal unintentional injuries – accidents – amounted to $820.6 billion in 2013. This is equivalent to about $2,600 per capita, or about $6,700 per household.*
In 2018, the CDC estimates the number of emergency department visits for unintentional injuries: 97.9 million. That is a little less than 1 in every 3 inhabitants of the US!
*National Safety Council, Injury Facts – 2015 Edition
**www.cdc.gov
If you have a job, it is very likely that you will need short term disability insurance. The possibility of a disabling illness or injury may seem remote, but statistics say otherwise. You actually have a three in 10 chance of suffering a disability* that will keep you out of work for 90 days or longer at some point during your working career. And, 90% of disabilities are caused by illnesses not accidents.
Most people don’t realize the high risk of becoming permanently or temporarily disabled at some point in their lives. If you were totally disabled and couldn’t work as a result of an illness or injury, do you have the resources today to cover your expenses for weeks, months, or even longer?
Disability Income insurance protects you in the case of loss of income. If you lose your ability to work, either from temporary or permanent disability, a disability claim can be made.
Proper dental care can be an important component of our well being. As with all insurance-related decisions, there are multiple facets that should go into your decision when purchasing coverage for yourself, family, business, or your employees. And, there many types of plans to consider such as a PPO (Preferred Provider Organizations), HMO (Health Maintenance Organization), dental indemnity insurance plans, and discount dental plans.
The Small Business Marketplace (SHOP) helps employers offer high quality, affordable health insurance coverage to employees directly from NY State of Health certified Insurers. The Small Business Marketplace (SHOP) is the only place where employers can take advantage of the Small Business Health Care Tax Credit, if eligible.
There are group products available for:
Life, Auto, Health, Disability and Voluntary Benefits, most of which don’t cost the employer anything to offer to their employees. Examples are: Dental, Vision, Accident, Cancer, Critical Illness. Voluntary benefits pay benefits directly to the employee and the monthly cost is paid for directly through an employee payroll deduction.
In a very broad sense, there are two types of life insurance:
Burial insurance or final expense insurance is a basic life insurance policy that covers people until they reach the age 100. It is an easy insurance to obtain. Depending on the policy, burial insurance or final expense insurance gives your family the ability to cover the expenses of a funeral and potentially other outstanding expenses.
Term life insurance coverage can be relatively easy to comparison shop. It simply covers you in the event that you die before the end of the term for which you are covered.
Proper dental care can be an important component of our well being. As with all insurance-related decisions, there are multiple facets that should go into your decision when purchasing coverage for yourself, family, business, or your employees. And, there many types of plans to consider such as a PPO (Preferred Provider Organizations), HMO (Health Maintenance Organization), dental indemnity insurance plans, and discount dental plans.
There are five factors that can affect Marketplace plan prices: location, age, family size, tobacco use, and plan category. Health status and gender DO NOT affect pricing.
Understanding the Affordable Care Act, aka Obama Care
There is much confusion around the Affordable Care Act (ACA) and the Health Insurance Marketplace.
This is sometimes referred to as “Obama Care”.
Here is some information to help you understand it a bit better.
The ACA is a law that guarantees everyone with minimum essential health care coverage. You can’t be denied ACA health insurance coverage because of a pre-existing health condition and you can’t be charged more for your plan because of it.
