How to Avoid Common Restaurant Business Insurance Claims

The restaurant business faces unique risks and challenges, including food contamination causing illnesses to customers, injuries and violence from fights among patrons, slips and fall incidents due to food spills, etc. All these can lead to liability claims, demanding costly settlements. However, being aware of the common restaurant business insurance claims and how to avoid them can help save your restaurant from such unfortunate incidents and related losses. Here are the common restaurant Read More

Is Assessing Your Health While Applying for Life Insurance Necessary?

Life insurance is one policy that you cannot buy right away. You need to qualify through a medical exam or by answering a few health-related questions that help insurance providers assess your health and fix your premiums accordingly. Let us discuss how one can rate their health when applying for life insurance and what impact it creates on the cost. How to Rate Your Health While Applying for the Policy? Based on your current health and existing medical conditions, you can rate your Read More

The Top 5 Ways to Avoid Furnishing Mistakes First-time Home Buyers Make

Being a homeowner gives you a great deal of freedom in deciding how to design your house. Nothing beats the satisfaction of personalizing your living space to your liking. The job of decorating it, however, may often seem overwhelming to a first-time home buyer. From choosing color schemes to furnishings, and how much is too much, are all thoughts that race through your mind with no definitive answer. Here are a few tips to assist you in avoiding the most typical home furnishing mistakes made by Read More

How Hospital Acquisitions of Doctors’ Practices Have Increased Treatment Costs

Hospitals have long been commonplace to purchase doctors’ practices or hire them directly. It has now almost been around for three decades. While access to a hospital's infrastructure could occasionally lead to better treatment options, there may be a few potential downsides. One of them is that a rise in treatment costs is inevitable with such acquisitions. Why Do Treatment Costs Rise When Hospitals Buy Out Doctors' Practices? The Affordable Care Act incentivizes hospitals to acquire Read More

How Easy Is It to Switch Auto Insurance?

Typically, one does not have to wait until the policy renewal time to modify their auto insurance policy. Instead, you can call your insurer's customer care line or chat with your local agent to modify an existing policy. While many insurers don't charge you anything to terminate an existing coverage, some do. So, if lowering your coverage limits or raising your deductible on your current policy will help you save money, this may be all you need to do. When Is a Good Time to Change My Auto Read More

Thinking About Getting Renters Insurance? Here’s What You Need to Know

Renters insurance is property insurance that protects the insured against liability claims and pays losses to personal items. It is also known as tenant’s insurance. Under this insurance, your landlord is liable for any injuries brought on by structural issues. This insurance covers anything from a studio apartment to an entire home. Purchasing tenant insurance could be a wise investment, even if you're only moving in or staying in a home for a year. It's likely the cheapest and most Read More

Temporary Life Insurance 101: What You Need to Know?

Life Insurance underwriting is when your insurer analyzes if you are eligible for a life insurance policy. During this process, your insurer will evaluate your application to determine your risk class and life insurance premiums.  During this underwriting period, your insurance provider may offer you a short-term life insurance plan, known as temporary life insurance. However, every insurance seeker may not be eligible for temporary life insurance. This article discusses in detail Read More

Surprising Facts About Life Insurance You Need to Know

Purchasing adequate life insurance coverage is usually a smart decision if you have loved ones or family members dependent on your earnings. People mostly buy a life insurance plan to financially protect their loved ones in case of their untimely demise. To help you understand life insurance policies, this article provides some essential facts about how these policies work. 1.             Getting the Death Benefits During Your Read More

What Is Workers’ Compensation, and How Do I Apply for It?

Worker's compensation is an insurance policy that provides medical care and benefits to any employee who experiences an injury or illness as a direct result of their employment. It pays an employee's medical expenditures and a percentage of their wages, among other things. Its "no-fault" aspect is a mutual agreement between employee and employer in which the company agrees to pay, and the employee usually cannot sue for damages. How Does Workers' Compensation Work? Workers are Read More

Picking the Right Health Insurance: A Guide

It's no secret that navigating the complexities of health insurance, particularly in the United States, can be challenging. To comply as an employer providing health insurance, you must follow a complex set of laws and regulations. Similarly, if you're looking for health insurance for yourself or as an employee, there are several key factors to consider. You're not alone if you're feeling a little overwhelmed by the process. However, following a few basic steps may help you make a more Read More