Running a business comes with a lot of potential risks. As a business owner, you’ll want to protect your employees and patrons as well as any material assets you may have. Especially if you run a restaurant, there are several factors to consider when choosing which types of insurance you’ll want to invest in. Here are three of the most important types of insurance you as a restaurant owner (or any business owner) need to have.
Property Insurance In the event of a fire, flood or natural disaster, you?ll want to be sure you?re covered with property insurance. Although a commercial fire can happen at any time for a variety of reasons, the risk of fire exponentially increases in a place like a restaurant because you?re often cooking using open flame. Property insurance is conside
Upon the announcement of the Affordable Care Act, some believed that they didn?t have to worry about health insurance like they once did, and that they would automatically be covered for virtually everything health-related. This is not the case; for example, the Affordable Care Act does not cover vision insurance for people 19 years old or older, despite the fact that two out of three Americans have vision problems. So ? with all of the misinformation out there, what are the realities of health insurance, and what should you ask a health insurance agency about?
Who Has Health Insurance?
It?s often believed that between employee benefits, individual insurance, and the Affordable Care Act, that everyone has health insurance. Even those with jobs are left uninsure
Being properly insured is an important part of becoming an adult, and things like auto insurance, homeowner insurance, and commercial business insurance are not things that you can put off. Not unless, that is, you want to also put off progressing in life. Before you even look into how to get insurance, however, you should know a few things that come with it; that way, you can exercise your full responsibility, and make informed decisions.
Affordable Home Insurance Is A Great Thing … But Make Sure You’re Fully Covered
When it comes to the various insurance services available, few are more important or necessary than homeowner insurance. With that being said
When it comes to your homeowner insurance, finding affordable home insurance might seem like the biggest challenge. However, recent reports suggest that even the best insurance services might not be able to save you from unexpected costs if your house experiences damage: due to a little-known clause, homeowners may have a difficult time accessing their claim due to their bank.
Most cases seem to start normally enough: a house is damaged by inclement weather, a falling tree, or other accident and the homeowner will submit a claim to their home insurance companies. However, when the homeowner receives the claim check, they will either be unable to cash, deposit or even access the funds. This is due to somethi
Most people know that having good car insurance coverage is a vital part of staying safe on the road. But before you make a decision on those car insurance estimates you’ve been considering, it is important to make sure you know what you are paying for. Below is a brief explanation of the six types of car insurance coverage that typically comprise car insurance prices. Do you have the right type of insurance in your future plan?
Bodily Injury Liability Coverage
This covers you against any injury or death claims made against you. It also covers legal costs if your car injures or kills someone.
It’s been clear for a long time that health insurance coverage is an important part of safeguarding your financial and medical future. But it’s now also mandated by the Affordable Care Act, and those without insurance will be penalized starting in 2015. So how can you find affordable health insurance? The key is being able to carefully read and compare plan details so you can distinguish between truly affordable health insurance that will protect you and your family and just plain cheap health insurance coverage that won’t provide the benefits you’ll actually use. Here are the aspects of health insuranc
Since for most homeowners, their house is by far the biggest asset they’ll ever have, home insurance is an absolute must. But the cost of homeowners insurance can be overwhelming, even when you know it’s necessary. To help you understand quotes you might get from various home insurance providers, here’s a breakdown of the factors that generally affect homeowner insurance rates:
Your Home’s Location
Where your home is located will have a significant impact on your premiums. Homes in areas that are prone to natural disasters cost more to insurance, as do homes in unsafe neighborhoods with higher crime rates. Even the distance to the neare
Life insurance is an expensive investment that isn’t always a priority if you have limited disposable income. If you’re looking for life insurance advice, it can be hard to navigate all of the details. If you get too overwhelmed it might seem easier to just skip it. People also avoid purchasing life insurance because they think it’s more expensive than it is. A recent study found that American consumers believe health insurance costs three times the actual price.
If you don’t know a lot about it, or want to know more, like how to find life insurance and how to find a good insurance agent, keep reading to learn about some of the benefits of getting life insurance. These facts are courtesy of the Life Insurance and Market Research Association (LIMRA) and are intended to give you a brief overview o
Did you know that the American automobile insurance industry is responsible for generating approximately $178 billion in revenue, and employs nearly 250,000 U.S. workers, according to IBIS research? One reason that the auto insurance industry is such a strong economic driver is that in every state of the union, it is illegal to drive without auto insurance. Since most Americans rely on a car as their primary mode of transportation, full coverage car insurance is a must.
A number of different factors go into the cost of car insurance, which can vary a great deal from person to person. For one thing, car insurance premiums tend to decrease as people get ol
The odds of getting a hole in one in golf are so great that making such a shot will arguably be the greatest feat in a golfer’s career. According to Golf Digest, an amateur’s odds of a hole in one are a whopping 12,500 to one.
So yes, what’s being said here is that acing a hole is hard, but what’s also being said is that there’s a chance. If there wasn’t, hole in one contests wouldn’t need contest insurance now would they?
Acing a hole isn’t easy, but with a bit of methodology, you can increase your chances, and maybe even wind up taking home a hole in one contest’s fabulous prize. Here’s a few tips to help.
Go to a Driving Range.
First things first, you’re going to need to practice your driving. If you can’t send a ball sailing to the other end of the g