Business Income Insurance is probably one of the least understood components of an insurance program, yet it is probably one of the most important. It is akin to what disability insurance does for us personally should we become injured and unable to work – it protects our income stream and our ability to pay bills. [...]

Some business relationships are forged through blood and friendship. When you work for a company whose owner has a brother, sister, or best friend that sells insurance, your hands are usually tied when it comes to finding the best deal for your boss on insurance. Or maybe you are the boss, and you don’t want [...]

Do you get cold calls from insurance agents wanting to help you save money? How many times do you just say, “No thanks. I’m happy with my current broker”? Studies of the insurance industry indicate that at any given time only about 3% of companies are unhappy with their insurance agents. That means that all [...]

You can provide affordable health care plans to your employees. If you feel overwhelmed by health care plan costs, you may be able to achieve far more than you believe. Here is how. REAL NEEDS, REAL SOLUTIONS Today, millions of EMPLOYED Americans depend on government aid, charitable organizations, and their own incomes to pay medical [...]

For many people and businesses insurance is something they would rather not have to purchase. Most people don’t want Insurance. Most people don’t like insurance. What you probably do want is protection for your family, your loved ones, your business and the things that are most important to you. The mere mention of Insurance may [...]

I have been a health insurance broker for over a decade and every day I read more and more “horror” stories that are posted on the Internet regarding health insurance companies not paying claims, refusing to cover specific illnesses and physicians not getting reimbursed for medical services. Unfortunately, insurance companies are driven by profits, not [...]

A vehicle is declared a total loss when the estimated repair cost is more than the present market value of a similar vehicle. Once the insurer decides that the vehicle is a write off then they take the steps detailed here. 1) The wreck will have been moved from the car repairers to a salvage [...]

The importance of insurance cannot be over-emphasized and neither can the danger of paying for insurance you don’t need. It is strongly recommended you solicit the advice of an in-dependent business insurance agent. Don’t forget to SHOP! Talk to three or four independent agents and compare notes and prices. An insurance agent will lay out [...]

Why home owners file insurance claims? The answer to this question is obvious; because of some kind of loss. Do you know what the leading reason property owners filed claims with their insurance companies? According to c 2005 fact book the answer is Fire and lightning counting for 32.42% of all loss claims. The second [...]

This might come as a surprise to some, but getting the right insurance for your business might be one of the most important decisions you’ll make as a business owner. The consequences of inadequate coverage, or no coverage, could be devastating. There is a whole world of things that can happen to you and your [...]