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Insurance Blog

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Everything You've Ever Wondered About Roundabouts

There was once a time when roundabouts were all but absent from American roadways. But over the past decade or so, these circular intersections have seemed to pop up everywhere, from small rural towns to bustling urban centers.This has left many drivers wondering: why are there so many new roundabouts, and why are they replacing tried-and-true stoplights?To help answer these questions—and more—here’s everything you’ve ever...

Does Home Insurance Cover Hail Damage?

It's never fun to see the possibility of hail on the radar. It typically precedes an extreme weather event and, depending on the size of the hail, can cause significant damage. When it hails, most people think about the damage to their cars, but you should also think about your roof. Hail can reduce the lifespan of your roof and even necessitate a total roof...

Six Flammable Foods

Flour may seem harmless, but many people don’t realize that it has a hot temper. Under certain conditions, foods like flour are highly flammable and can result in fiery kitchen situations.Combustible foods are part of the reason why cooking is the leading cause of home fires in the United States, and the leading cause of all residential building fires and injuries according to the U.S....

How to Determine the Right Amount of Coverage Needed

Life insurance – everyone needs it, but how much coverage do you need? Every individual has a unique situation and choosing the amount of coverage requires calculating specific factors. These include the financial obligations that would be left should you suddenly pass away, including: Income replacement: Your loved ones can be left in a dangerous financial condition without the income you bring to the family....

How Should I Budget for Business Insurance?

Your business insurance should cover every possible risk for your operation. It may surprise you that as a basic calculation, the entire range of business insurances, including commercial liability, commercial property insurance, health insurance for employees, workers’ compensation, and other insurances should be budgeted at about 20 to 30 percent of expected gross sales. Smaller businesses can expect to budget far less. Every industry, and...