Why an Insurance Company’s Credit Rating Matters



Insurance companies transfer individual and business risk for a price. They crunch numbers and calculate risk scenarios to develop pricing strategies that balance profits and payouts. Profits allow insurance companies to manage their cash so it’s available when their customers make claims. An insurance company’s ability to pay its debts and claims makes it stable. […]

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Sole Proprietors, Protect Your Personal Assets With Insurance



A sole proprietorship is an unincorporated business owned by one person. Anyone can set up a sole proprietorship, making it one of the easiest and fastest ways to form a company. In fact, the Small Business Administration says 87% of firms without employees are sole proprietorships. The advantages of being a sole proprietor are that […]

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10 Essential Christmas Tree Safety Tips to Avoid a Tragedy This Holiday Season



Every year, Christmas trees start fires. While these fires aren’t common, they tend to be very serious, resulting in costly damage, property loss and even loss of life. According to the National Fire Protection Association, Christmas tree fires between 2013 and 2017 caused an annual average of three deaths, 15 injuries, and $10 million in […]

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What Are Some Common Exclusions on Auto Insurance Policies?



There are three primary components of auto insurance.  Depending on where you live, some may be mandatory and others may be optional. Liability — Pays expenses related to bodily injury to another person or property damage caused by your vehicle Comprehensive — Reimburses any damage or replacement required for your own vehicle due to incidents […]

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Hazards in Your Home Storage Areas



Many American families have an accumulation of stuff in their homes: gasoline cans, spare oil, half-containers of antifreeze, fertilizer, yard pesticides and other materials all compressed together into one poorly ventilated space. This creates the perfect conditions for vapors, chemical reactions and combustibles like cardboard boxes to accumulate, heat up and ignite. As you think […]

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