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Almost 98% of drivers misunderstand how their auto insurance works

According to a recent survey, a staggering number of US drivers – approximately 96% – are unaware of the fundamental elements of their auto insurance coverage. The poll, which interviewed almost 1,000 drivers across the country, looked at how well motorists understand their auto insurance to see if they are aware of what it covers …

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What you need to know about monoline umbrella policies

A monoline commercial umbrella insurance is a type of policy that provides financial protection with extra liability coverage limits for your primary business insurance policies in addition to covering some exposure gaps in those policies for a wide range of risks. It is typically used to provide coverage for businesses and professionals that face a …

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What is Medicare?

Medicare is health insurance for people age 65 or older, under age 65 with certain disabilities, and any age with permanent kidney failure (called “End-Stage Renal Disease”). You must have entered the United States lawfully and have lived here for 5 years to be eligible for Medicare. There are multiple parts to medicare: Medicare Part …

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What does an HO-5 policy cover?

The HO-3 has been the standard homeowners insurance policy since the 1950s, and is adequate for most homeowners personal insurance needs. For older homes, it’s still an excellent choice. But today, there’s something much better, particularly for newer, well-maintained homes. It’s known generically as the HO-5 homeowners insurance policy. While the HO-5 is offered only …

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Classic / Antique Auto Insurance – Agreed Value vs. Stated Value

There are three different bases that an insurance company can use to value an insured auto. Lets first look at the one that almost everyone has on a typical insurance policy: Actual Cash Value (ACV) ACV translated means “What its worth in cash, today (just before you crashed it).” After your accident, an insurance company …

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Tips For Smooth Sailing This Season

Before you take that first pleasure cruise or fishing trip of the season, make sure your boat insurance is shipshape. Insuring a boat is different than insuring a car or home. Boats require specialized coverage. To avoid a sinking feeling about your boat insurance, consider these tips: Evaluate your specific needs. Some insurance companies provide …

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How To Obtain Liability Insurance If I’m A Painter

If you’re a painting contractor, you know that you need liability insurance to protect yourself and your painting services business. But did you know that there are several types of liability insurance for painters and that not all policies are created equal? In this blog post, we’ll explain the distinct types of liability insurance for …

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Low-income residents of Kansas and Missouri now have a brand-new special enrollment period to find affordable health insurance.

Now, for the first time, low-income people in Kansas and Missouri can buy health insurance on the federal exchange throughout the year. This new year-round enrollment period applies to those who earn 150% or less of the federal poverty line — meaning up to $39,750 for a family of four. A pandemic stimulus law passed …

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Why is car insurance so expensive right now?

The latest news reports may lead people to believe that automobile insurance rates are on the rise. As we enter 2022, they have begun to return to their pre-pandemic levels. Auto insurers – anticipating fewer accidents as a result of the economic lockdown – repaid policyholders approximately $14 billion in cash refunds and account credits …

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What does insurance cost on a RV?

Depending on how much you use your RV, and the value of the RV, annual insurance premiums can range from $200 to $2,000. Part-timers usually can expect to pay less than $1,000 while full-timers may pay as much as $2,000 to $3,000 depending on the size and value of the RV.

What is the difference between workers compensation and employers liability?

Workers’ compensation covers statutory obligations that are covered under a state-law. Employers liability insurance is coverage that protects an employer from lawsuits by employees who are injured or become ill as a result of their job duties. Employers liability insurance may also provide coverage for third-party injuries (those that occur on the premises but are …

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What is work comp code 8810?

Classification 8810, Clerical Office Employees, is applicable to workers who are engaged exclusively (100 percent) in clerical activities with no additional duties. In addition, clerical office employees must work in a separate area within which no work other than clerical office work is performed.

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