Life Insurance: Which is Better, Term or Whole Life?

Life Insurance can often be a tricky subject, no one likes to imagine the worst-case scenario, but thinking about life insurance is an important part of taking care of your family. When someone passes away, they can leave in their wake mountains of debt, funeral costs, and bills that are difficult to pay. Life insurance offers a solution to that problem so that you can rest assured knowing that if anything should happen to you your family will be well taken care of. The big question that comes into play is deciding which type of life insurance policy to purchase, term or whole life?

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Filing an Insurance Claim After a Hurricane

After a hurricane hits, there can be a large variation in damage to property across a region. Some areas may be completely devastated while others have minimal damage. Although it is a scary and emotional process dealing with post hurricane damage, if you have flood insurance you should rest assured that when you file a claim you would be well taken care of. Despite the fact that you and your insurance company will work as a team to get you back to where you were before the storm, there are steps that can be taken to make this process go smoothly.

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Is Your Business Covered? What You Need to Know About Business General Liability

There are a couple of business essentials that no company should operate without, and general liability insurance is one of them. You know that it’s responsible to hold a general liability insurance policy, but do you know exactly what coverages it affords? Here’s everything you should know to make sure your business is covered from the unexpected.

What Does General Liability Insurance Do?

General liability insurance, also referred to as commercial general business liability, is an insurance policy designed to protect your company’s assets by covering the costs and expenses incurred during unexpected accidents.

You can expect your general liability insurance to provide coverage in the following instances:

  • Someone gets hurt on your business property
  • You or one of your employees causes property damages or injuries to others
  • You need to hire a legal defense
  • You must pay a settlement after losing a court battle
  • You cause damage to the property that you rent from a landlord

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