Car accidents are stressful, and the aftermath can be overwhelming, especially when considering the financial implications. We’ve all heard the horror stories of outrageous monthly insurance premiums after an accident. How much of an increase can you expect? Let’s get into it. Understanding the Impact of an Accident on Your Premiums When you’re involved in […]
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One of the first steps to launching a business is making sure you have adequate coverage. Whether you’re providing a service or selling goods, you are accepting a measure of liability. What type of insurance does your business need? That’s going to depend on the nature of your business. Let’s get into the basics. 1.
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As an HVAC contractor, you face unique risks every day on the job. From potential injuries to equipment damage, a single incident could put your business in line for a large bill. That’s why having the right insurance is crucial. But with so many options available, what type of insurance does an HVAC contractor actually
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Starting a small business is an exciting venture filled with potential and promise. But getting it off the ground is no small feat. Finding a storefront or office, getting necessary licenses, setting up a website, and so much more go into starting a business. Do you need to have business insurance before you get started?
Do You Need Insurance Before You Start a Small Business? Read More »
Surety bonds, also known as contract bonds, are a type of financial guarantee that businesses often use to ensure the completion of a contract or project. Essentially, a surety bond is a contract between three parties: the principal, the obligee, and the surety. The principal is the party that needs the bond, typically a business
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The gig economy has transformed not only how people commute, but how they make money. The flexibility of working when you want and how you want is attractive to many. But as an Uber or Lyft driver, you are essentially running your own business. Part of running your own business is understanding how to keep
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Airbnb, Vrbo, Homeaway, and others have revolutionized travel. Living like the locals has never been easier. Earning income by renting out your properties has also become feasible for so many. But letting strangers stay in your home comes with its fair share of risks. What type of insurance do you need to protect your Airbnb
Airbnb Owners: This is The Type of Insurance You Need Read More »
Car accidents—small or large—are always stressful. They leave a lasting impact on the driver, your vehicle, but also on your insurance. Immediately following an accident can be an overwhelming time of filing claims, potentially paying deductibles, repairing damages to your car, and more. So much so that it often goes under discussed how your insurance
How Long Does an Accident Affect Your Car Insurance? Read More »
Landscaping is a business that involves its share of risks and uncertainties. Whether you’re a solo landscaper or own a landscaping company, protecting your assets and ensuring the safety of your team is vital. Whenever you’re a professional dealing with other people’s property, insurance needs to come into play. But the various types of business
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If you’ve noticed your car insurance rates steadily creeping up, you’re not alone. Car insurance premiums have been on the rise in recent years, leaving many of us wondering why we’re shelling out more of our hard-earned cash. Read on, and we’ll take a closer look at the factors driving these increases and explore what
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College life is an exciting journey filled with new experiences and responsibilities. One of those responsibilities is protecting personal belongings, such as vehicles and rented accommodations. This guide will explore the best car insurance for students and the importance of renters’ insurance. Why Car Insurance for Students is Necessary Car insurance for students is not
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Having a pool in your backyard can provide years of entertainment and joy. However, it’s also essential to understand the financial implications of owning a pool. Beyond the initial installation and regular maintenance, a pool can influence your homeowners’ insurance premiums. But by how much? Let’s dive in and find out how much a pool
How Much Does a Pool Affect Your Home Insurance Rate? Read More »
In recent years, many people across the US have decided to leave their cubicles for a chance at starting their own businesses. It’s a smart move for some people because you control the business, the hours, and the recruitment. You also get the chance to earn money like never before. However, like any other business,
Do You Need Business Insurance If You’re Self-Employed? Read More »
It’s always fun to cruise around the streets of Philadelphia or take a long, relaxing ride in the beautiful countryside of Pennsylvania. But, just like any other vehicle, safety is paramount. Besides wearing protective gear, you also need something to cover your expenses in time of an accident because you never know when they may
How Much is Motorcycle Insurance in PA? Read More »
Whether we like to admit it or not, most of us have at least thought about leaving our routine, busy lives behind and touring the country in an RV. But, even on such a journey, you need to prioritize safety so you can travel with complete peace of mind. That’s why RV insurance has become
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At some point in our lives, we all want to buy a house because it is one of life’s most common milestones. Of course, achieving such a goal may not be easy for everyone because it requires a lot of money and takes years to save. The situation has become harder for younger people because
How Old is the Average First-Time Homebuyer? Read More »
It doesn’t matter what business or industry you’re in. It also doesn’t matter how long you’ve been in business. All companies deal with risks and incidents, even the most cautious ones. So, it makes sense to have a business insurance policy to protect you against anything like theft, hurricane, or vandalism. Like many other states,
Do You Need Business Insurance in Pennsylvania? Read More »
There have been a couple of hot topics in the home insurance industry over the past couple of years. One of the important ones revolves around Mold. Around the 90s and 2000s, the insurance industry took a new approach to constraint mold coverage over a handful of new policies. These policies also altered the course
Does Home Insurance Cover Mold? Read More »
We all have a general idea of car insurance pricing, but it’s much more complicated than that in reality. In most cases, if the insurance agency views you as a liability who’s likely to frequently make claims, then they’ll charge a higher premium. They have a system to estimate that probability and it is based
What Does Car Insurance Cost in PA? Read More »
You probably use the phrase “home, sweet home” whenever you arrive home after a long trip and feel the warmth, comfort, and safety of your own place again. But a home won’t become truly sweet unless you have comprehensive home insurance. It will be even sweeter if you can lower your home insurance rate. This
How to Lower Your Home Insurance Rate? Read More »
We’ve all heard of the saying, “precaution is better than cure.” It’s simple enough, but sometimes, finding the right course of action might be more complicated. Let’s take flood insurance as an example. Many homeowner insurance policies do not cover damages caused by flood, which in case of an accident can cost homeowners thousands of
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