Running a business in California is both exciting and challenging. As a business owner, you’re prepared for many risks such as fire, storms, and theft but have you considered the hidden costs that come with recovering from a disaster? That’s where Extra Expense Coverage comes in. At ISU Wissink Insurance, we help businesses like yours stay resilient when the unexpected strikes. Understanding Extra Expense Coverage Extra Expense Coverage is a specialized part of business insurance that helps Read More
Does Car Insurance Cover Single-Vehicle Accidents?
Posted on: June 11, 2025
When most people think about car accidents, they often imagine a collision involving two or more vehicles. But what happens if you’re the only driver involved - say, you swerve to avoid an animal and hit a tree, or you lose control on a slippery road and end up in a ditch? At ISU Wissink Insurance, we know that single-vehicle accidents are more common than you might think, and understanding your car insurance coverage is crucial for mental peace. What Is a Single-Vehicle Accident? A Read More
Why Could Your Credit Score Affect Your Renters Insurance Cost?
Posted on: May 21, 2025
Many people understand that credit scores matter when getting loans or credit cards. What surprises some is that this number can also affect how much you pay for insurance. If you rent your home or apartment, your credit score may play a role in what you pay each month for protection. Renters insurance helps cover your belongings in case of fire, theft, or other damage. It also offers liability coverage in case someone gets hurt in your home. What you pay for that protection often depends on Read More
What is Cash Value Life Insurance?
Posted on: May 7, 2025
Life insurance is often seen as a way to support loved ones after someone dies. While that remains the primary purpose, not all life insurance policies are the same. Some provide added benefits during the policyholder’s lifetime. One of those options is called cash value life insurance. This kind of insurance combines long-term protection with a savings element. Over time, it creates a financial resource that can be used while the policy remains active. How this plan works can help you decide Read More
5 Key Factors to Consider When Buying EPLI Coverage
Posted on: April 23, 2025
Employment-related lawsuits have become more common, making Employment Practices Liability Insurance (EPLI) an essential business safeguard. Even with proper policies, companies can face employee claims regarding wrongful termination, workplace harassment, discrimination, or retaliation. Defending these claims can be costly, so having the right EPLI coverage is crucial. Understanding how EPLI works and what to consider when selecting a policy helps businesses make informed decisions. Here are Read More
How Long Can You Stay on Your Parent’s Health Insurance Plan?
Posted on: April 9, 2025
Health insurance is essential for medical expenses, and many young adults rely on their parent's plan for coverage. Understanding when this coverage ends and what steps to take next can help individuals prepare for a smooth transition to their health insurance. A coverage gap could leave them responsible for unexpected medical costs without planning. Knowing the available options ensures continuous protection and access to necessary healthcare services. Age Limit for Staying on a Parent's Read More
Does Homeowners Insurance Cover Burst or Leaky Pipes?
Posted on: March 19, 2025
Imagine you come home after a long day only to find water pooling on the floor, seeping from a burst pipe, or a slow leak hiding under your sink. The damage from water can be overwhelming, both financially and emotionally. One of the first questions that come to mind is, "Does homeowners insurance cover burst or leaky pipes?" Understanding how your policy works can save you time, money, and stress. Let's explore how Homeowners Insurance can help with these plumbing mishaps and how to safeguard Read More
How the Right Drivers Impact Your Commercial Auto Insurance?
Posted on: March 5, 2025
When it comes to managing your commercial auto insurance policy, the drivers you select for your vehicles play a crucial role in determining your premiums and coverage. Your driver's driving history, experience, and training all affect the risk associated with your business. Understanding how the right drivers influence your policy can help you control costs while ensuring your business is properly protected. Key Factors That Affect Commercial Auto Insurance Driver History Your driver's Read More
7 Essential Steps to Minimize Professional Liability Claims
Posted on: February 19, 2025
In today’s competitive business environment, professionals across various industries face the risk of liability claims. Whether you are a consultant, lawyer, or healthcare provider, protecting yourself from potential lawsuits is crucial. Here are seven essential steps to help limit professional liability claims and safeguard your business. Understand Your Risks The first step in minimizing liability claims is to understand the specific risks associated with your profession. Conduct a thorough Read More
Should You Consider Life Insurance in Your 30s?
Posted on: February 5, 2025
Entering your 30s is a significant milestone, often marked by new responsibilities, career advancements, and perhaps even family planning. As you navigate this transformative decade, one question that may arise is whether you should invest in life insurance. Here’s a closer look at the reasons why securing life insurance in your 30s can be a prudent decision. Understanding Life Insurance Life insurance is a contract between you and an insurance provider, where the insurer promises to pay a Read More