6 Common Startup Business Risks That Can Threaten Your Tech Company

Tech startups face a variety of risks that can slow down progress if they don't practice strong risk management. Different forms of insurance coverage exist as solutions to unfortunate financial turbulence. Here are six common startup business risks that can threaten your tech company and deter progress. 1. Reading the market and competitors incorrectly Every business must conduct market research before launching into a new commercial venture. You need to know if the market will support a Read More

Shopping for Life Insurance? Here’s What You Can Expect

Life insurance isn't something you would consider buying on a whim. When you start to think about your own mortality, you wonder what will happen to your family after your demise. You need to know what will be required to care for your family and pay off your debts if something happens to you. The best way to accomplish those goals is to buy a life insurance policy that will provide for their needs in your absence. The Role Your Insurer Plays Most people look at insurance providers as Read More

How Should You Purchase Health Insurance if You Are Self-Employed?

As an employer, getting health insurance is pretty certain since your employer is expected to provide one for you. However, things become a lot different when you decide to quit your job and become your own boss. As a self-employed individual, the responsibility to purchase your own health insurance falls on you. However, health insurance coverages might vary according to the length of time you plan on being self-employed. That’s why you have to decide if your decision to become your own boss Read More

Does Your Auto Insurance Plan Provide Coverage for Your Delivery Driving?

Ever since the global COVID-19 pandemic, the popularity of delivery services has surged tremendously. That’s because people find it easier to order for commodities to be delivered to them in the comfort of their home rather than going through the stress of getting it themselves. These commodities may range from things like food, pets, groceries, equipment, etc. However, these deliveries are not made by machines or robots. Instead, they are done by people like us. Since delivery drivers often Read More

What Are the Things Your Car Insurance May Not Cover?

This may come as a shock to you. Still, your typical car insurance provides coverage for four basic things – bodily injury liability, property damage liability, medical coverage, and under/uninsured motorist coverage. For other things your car insurance may not cover, you will have to pay out-of-pocket when the situation may arise. Read on to find out more.   7 Things Which Are Not Covered by Your Car Insurance Damages Caused by a Natural Disaster Your basic car insurance does Read More

The Best Life Insurance Policies for HIV Positive Applicants

Life insurance aims to provide financial protection for your loved ones in the event of your death, regardless of your health status. But for HIV applicants, it may be a little bit tricky. Read on to find out more about life insurance for HIV-positive applicants. Can HIV Positive Patients Get Life Insurance? The answer to that is yes. These days, provisions have been made to purchase life insurance policies without jumping hurdles. With the continual increase in medical breakthroughs, the Read More

5 Tips for Filing a Homeowner’s Property Damage Insurance Claim

You purchase homeowners insurance to protect yourself from expenses that can arise from property damage. However, how do you set things in motion when damages occur? How do you stake your claim and ensure the insurance company is responsible for the expenses incurred on repairs? In this article, we will provide you with five tips for making these claims to help you navigate the home insurance claims process if your home gets damaged. Report Crimes to the Police If your property damage Read More

3 Things to Consider Before Buying an Electric Vehicle

Electric car ownership is on the rise with more people opting to buy them than ever before. In 2020, global sales of electric vehicles increased by 43%. Meanwhile, overall car sales declined due to the COVID-19 pandemic. UBS predicts that by 2025 electric vehicles will make up a whopping 20% of all new cars sold globally. Have you ever considered buying an electric car? If yes, now is the time. Besides being environmentally friendly, there are also many other incentives related to using an Read More

Will My Homeowners Insurance Cover House Foundation Repairs?

Having a homeowners insurance policy can go a long way in protecting your home from unfortunate catastrophic events. Without adequate coverage in place, such events can place a huge strain on your finances. However, a home insurance policy does not cover every possible source of damage. For instance, a typical homeowners insurance policy does not cover all causes of foundation damage. In this article, we will examine scenarios that are covered by your homeowners insurance and those that are Read More

Car Insurance Deductibles: What Are They & How Do They Work?

A car insurance deductible is the amount of money a policyholder has to pay out-of-pocket towards a car accident claim. It is the amount you have to pay following an accident before your car insurance coverage kicks in. Unlike health insurance claims, car insurance does not require you to pay an annual deductible. Instead, you have to pay the deductibles on a per claim basis, i.e., every time you file a claim. In this guide, we will examine the different types of car insurance deductibles Read More