Here are some insurance types that a business must have in place as soon as possible: · Professional liability insurance · Property insurance · Workers' compensation insurance · Home-based businesses · Product liability...
Insurance Articles
How Are Workers’ Compensation Premiums Calculated?
Some small business owners may have a difficult time understanding how workers' compensation premiums are calculated. This should come as no surprise, however, as the process is complex and workers' compensation premiums vary for many reasons. Workers’ compensation...
What Determines the Cost of Car Insurance in Ohio?
A number of factors can affect the cost of your car insurance in Ohio – some of which you can control and some that are beyond your control. Age and driving history of principal driver - Crash rates are higher for all drivers under age 25, especially single males....
What is the difference between collision physical damage coverage and comprehensive physical damage coverage?
There are many different clauses in a car insurance policy, and it can get confusing. It helps to have some information about those parts of a policy that can affect you the most. One such topic is the difference between “Comp” and Collision Coverage. ...
Am I Covered if I Loan My Car to Someone Else?
No one can predict the future. You may loan your car to a friend, roommate, or family member, only to get a call that an accident has happened in your car. It is important to really understand your coverages and how car insurance works if another driver crashes your...
What Determines the Price of Your Auto Policy?
What Factors are Considered in Determining the Price of an Auto Policy? For most companies, some of the factors considered in the cost of an auto policy include: Age and driving history of principal driver; Age of any other drivers in the family who will regularly use...
Why Does My Car Insurance Go Up When My Car Keeps Getting Older?
For good drivers, there is nothing more frustrating than getting a car insurance renewal and seeing the price go up when you have not had any claims. The first question that comes to mind is, "Why did my car insurance go up? I had no claims and my car is one...
The Effect of the Color of Your Car on Your Car Insurance Premiums
Is It true That a Red Sports Car Costs More to Insure Than a Black Sports Car? Nope. The color of your car has nothing to do with the cost of insurance. Whether your car is red or any other color is not a determining factor in calculating your auto insurance rate....
Physical Damage Coverage and your Car Insurance Policy
What is Physical Damage Coverage on a Car Insurance Policy? Physical Damage coverage on your auto insurance policy is coverage for damage done to your car. Now if someone else is at-fault, then their auto insurance would most likely pay for the damage. But when that...
What To Do In a Hit-and-Run
Does My Auto Insurance Cover a Hit-and-Run Accident? A hit and run accident is any accident in which a driver intentionally leaves the scene without providing contact information. Hit-and-run accidents happen and they are terrible. You go into a shopping mall and...
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