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5 Car Insurance Myths Debunked

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Car insurance is a necessity that can’t be avoided, but you need accurate information to choose the best policy. Unfortunately, several myths exist that could steer you in the wrong direction. Our local agents are here to dispel these myths and make the process of buying auto insurance simple, fast, and affordable.

Myth: Older drivers always pay more for auto insurance.

You may have heard that as you get older, you will be charged higher car insurance premiums. Actually, if you have a history of safe driving, you are likely eligible for special “safe driver” discounts that will reduce your rate. Generally, women will pay less than men, and younger drivers have the highest rates – all based on risk. It is true that older drivers (above 65) could pay more, particularly those who have had several accidents. Safe drivers, however, gain the benefit of reduced premiums, and if you haven’t accessed these reduced rates, speak with our local agent about your options.

Myth: Your credit won’t impact your car insurance premiums.

Your credit does make a difference in the cost of car insurance. Rather than the standard credit score, you have an “insurance credit score.” Insurance companies review this score when offering you auto insurance. The score measures the company’s risk when offering coverage. The higher the insurance credit score, the lower your premiums.

Myth: It is smart to have only the minimum coverage required by law.

The minimum coverage for underinsured and uninsured drivers or liability insurance may not cover the costs incurred after an accident, whether caused by you or another driver. A serious accident could lead to financial losses, especially if another party is injured, or your vehicle severely damaged. Discuss these issues with your insurance agent to ensure you have a reasonable amount of coverage, with little added cost – it could save you from suffering a financial disaster in some scenarios.

Myth: A red car costs more to insure.

Many people believe that a red car costs more to insure, but this is a myth. If you love the look of a red or other bright colored car, your insurance rate will not be affected. The make and model of the car are criteria affecting the cost of premiums, but not color, so feel free to drive the color car you enjoy.

Have car insurance questions? We are here to help.

Our local car insurance agents can help you make a smart decision about your auto insurance. We work closely with every customer to identify the best auto insurance options at rates you can afford. You may want to ensure you have access to a rental car should you get in an accident or have a child who has a learner’s permit or license and is about to start driving the family car. It is important that your car insurance is customized specifically to match your situation. For accurate information about car insurance, and a focus on finding the policy that works best for you or your family, our local agents are here to help.

GoFundMe vs. Life Insurance: What You Should Know

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You have likely seen a GoFundMe page for someone who suddenly passed away. GoFundMe pages allow others to donate to pay for final expenses or to help the family. These crowdfunding activities may be successful but come with some serious drawbacks. The family left behind is asking others for funds, adding stress to one of life’s most challenging times.

Life insurance is a far more effective way to ensure your loved ones have the resources they need if you suddenly pass away. A life insurance death benefit allows the people you care about to have access to money without adding the burden of asking friends and colleagues for money to survive or pay for final expenses. Even a successful GoFundMe campaign will not likely achieve the amount of financial support of a good life insurance policy.

Do You Need Life Insurance?

If you are married, have children, have people in your life you love, or a church or charity you believe in, life insurance is a must. You may be surprised to find out that term life insurance is easy to get and very affordable. The beauty of life insurance is that the death benefit paid to your named beneficiaries is not taxed, and the money is paid rapidly. A GoFundMe campaign allows others to contribute to the needs of a spouse or family, but not everyone can afford to donate. With life insurance, your loved ones can focus on dealing with the grief and loss rather than concerns about how to pay for what they need. The money from the death benefit can cover the cost of medical bills incurred before death, funeral costs, and replace the income the individual provided.

Reasons to Buy Life Insurance

  • Life insurance is not for you but for the people you love. If you do not have a policy, you could leave your loved ones with serious financial problems.
  • Time to grieve in peace. Your family will be suffering from the loss. The last thing they need is the added problem of worrying about basic survival. Give them the time and resources they need to grieve and move forward without financial trouble.
  • The memories you leave behind. When a family is left with minimal financial resources, it creates many challenges. They will be left with all the financial obligations left behind, such as a home mortgage, car payment, the costs of raising and educating children, and affording the necessities of life. Rather than leaving your loved ones with a considerable problem and possibly some resentment, why not leave them knowing how much you cared?

Choosing the Right Life Insurance

While you can purchase life insurance through various online sources, or may receive offers by mail, your best choice is to work with a local insurance agent who has access to the best deals available. Your investment in life insurance can be very affordable, and while we all hope it will never be needed, ensuring your loved ones are protected can give you – and them – real peace of mind.

You can even create a valuable investment by buying permanent life insurance, which builds up value over time, or buying a policy that can be converted from term to permanent. All of these issues can be discussed with your local agent, along with how to calculate the amount your family will need if you are gone. The process of choosing life insurance, with the help of an agent, is far simpler and more pleasant, and typically more affordable than any other way.

5 Types of Car Insurance Explained

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Car insurance policies vary in what they cover. The state mandates certain types of coverage that you must have to legally get behind the wheel. However, the mandated minimum coverage may be far too low in some situations, such as being in a hit-and-run, in an accident with an uninsured driver, or if your car is damaged by a falling tree or fire. As a driver, it helps to understand the various types of auto insurance available, as you may decide to pay just a little more to gain a lot more protection.

  • Liability: This is the coverage that will pay for the other party when you are responsible for a collision. This coverage comes with a limit the insurance company will pay if you are found to be responsible for a crash. You can increase the amount of liability coverage you have on your vehicle.
  • Collision: This coverage replaces a damaged vehicle after an accident (no matter who caused the collision) and is required for drivers with financed or leased vehicles.
  • Comprehensive: This type of coverage pays for damages to a vehicle caused by incidents other than collisions, such as a tree falling on a vehicle, vandalism, theft, fire, and so on.
  • Uninsured/Underinsured: A shocking number of drivers operate vehicles without current auto insurance. If you are in the wrong place at the wrong time and in a collision with such a driver, you want to ensure you have this coverage in place. It pays out for vehicle damage and medical care. An underinsured driver may have only the minimum as required in the state, which does not cover your actual medical bills – this insurance could save the day.
  • Rental Reimbursement: Your auto insurance may pay for a rental car for you to use when your vehicle is damaged in an accident. Knowing you will have transportation in this situation is essential.

Auto Insurance Policies – What’s Right for You?

You may be a very safe driver. However, even the most careful driver can run into trouble when sharing the road with a driver who is drunk, on drugs, speeding, distracted, or driving recklessly. As much as we hope to avoid car accidents, over a lifetime, they can happen. A collision can range from minor fender-benders to a serious crash. In addition, incidents involving theft, vandalism, or weather-related damage are fairly common.

Protect your vehicle and your family.

Why not make sure your investment in your vehicle is protected? For assistance in choosing the best auto insurance policy, get help from an insurance agent. You may be surprised to discover that adding extra coverage, such as uninsured/underinsured driver coverage or comprehensive insurance, will increase the premiums but add a layer of protection for when the unexpected happens. If you have a teen driver, don’t scrimp on auto insurance. Young drivers, even well-trained, lack the extensive experience that results in being a good driver. Statistically, they are more likely to be involved in a collision.

What is Term Life Insurance, and How Does it Work?

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Term life insurance is the most affordable form of life insurance. It provides coverage for a specific period, typically 10 to 30 years. A contract between you and an insurance company is established which, as long as you pay your monthly premiums, should you die unexpectedly, a death benefit will be paid to your beneficiaries – generally the spouse or children, but any individual, organization, or charity can be named as a beneficiary.

The advantage of term life insurance is that the monthly premiums are less costly than the premiums for whole life insurance. The amount you pay monthly may be a set, unchanging amount for a period of years. These policies are often ideal for younger people who want to ensure their loved ones will not endure financial stress if one spouse dies. The death benefit paid is not subject to taxation and issued to the beneficiaries quickly. The cash paid out on the policy allows loved ones to have the financial resources they need for the future.

Types of Term Policies

You have several choices for term life insurance. For some policies, you will need a medical exam before it will be issued. The exam is usually performed in your own home. It will involve measuring your height, involves height, weight, vital signs, pulse, blood pressure, along with blood and urine samples, and lifestyle questions.

Policies that do not require medical exams come with higher monthly premiums, or a lower death benefit, but are an excellent option for those who have a health condition and may not be approved for other policies. If you are generally healthy, a policy that requires a medical examination is usually a much better option. Other options for term life include:

  • Level term: The premiums remain at the same level until the end of the term.
  • Group term: Some companies offer term life insurance to their employees, which is usually very affordable.
  • Renewable term: A policy with renewable term allows you to renew the policy for another term, regardless of the current state of your health.
  • Convertible term: A term life insurance policy that can be converted to permanent coverage, often without a health exam.
  • Decreasing term: The premiums on these policies are set, but the death benefit decreases over time.

How Much Term Life Insurance Do You Need?

To calculate the amount of term life insurance coverage you need, add an amount that includes ten times your yearly salary, the cost of college tuition for any children, the cost of paying off your home mortgage and vehicles. The more term life coverage you can afford, the better the financial situation for your family. The simplest calculation is to simply plan on 30 times your yearly salary.

Converting Term Life Insurance to Whole Life Insurance Later

Many term life insurance policies can be converted to whole life insurance. When shopping for life insurance, a convertible policy is usually the best option. A young family may not yet be ready to afford the cost of whole life insurance premiums, but within a few years, can convert the policy to a whole life policy. These policies are better than term life insurance, as they build cash value and provide coverage that usually will not expire, building an asset from which you can borrow if needed.

Shopping for Term Life Insurance

While you have the option to find term life policies online, it is recommended that you speak with a local insurance agent, who can guide you to the most reputable insurance companies, and policies with the highest death benefits and most affordable monthly premiums.

How Promoting Workplace Safety can Save You Money

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No business owner wants to have injured an injured employee. Reducing the risk of accidents and injuries is a critical aspect of good management, in every industry. Employees who have been trained with customized worker safety programs are far less likely to be injured when performing the duties of employment – and file a claim with your workers’ compensation insurance provider. Every claim filed with your insurance provider will lead to increased premium costs, and in some industries, may lead to OSHA fines for violations of workplace safety standards.

How to Reduce Workers’ Compensation Claims

A customized workplace safety program, implemented to train employees, can significantly reduce the risk of an employee suffering serious injuries or worse. These programs are built to match the activities of the business. A company that has a built-in culture of safety has an added benefit – happier employees, and improved employee retention.

Workplace safety programs – the cost of doing business.

A well-crafted workplace safety program, implemented throughout a business, is one of the wisest investments a business owner can make. The return on investment includes reducing the costs of losses associated with wages and productivity, medical costs, and increases in monthly workers’ compensation costs. The benefits of promoting workplace safety include:

  • Greater work efficiency
  • Higher employee morale
  • Higher employee retention
  • Savings on workers’ comp premiums

What are the Costs of Workplace Injuries?

Employers face several financial losses when a workplace injury occurs, including:

  • Medical bills: The cost of medical care is covered by workers’ compensation insurance, but when a claim is filed, the premiums increase.
  • Fines, penalties: OSHA may get involved when an injury occurs, and if they discover violations of safety regulations, can lead to expensive fines.
  • Equipment and property damage: When an employee has not been well-trained with the materials and equipment, it can lead to a serious or fatal accident. Equipment and materials can also be damaged, at high cost of replacement.
  • Missed work: An injured employee will be unable to perform their work duties, but still must be paid. Lost production time can reduce the ability to deliver goods or services, significantly affecting the bottom line.

What Type of Training Program Would be Best for Your Business?

Promoting safety is not a “one-time” activity but must be ongoing. It is a critical aspect of onboarding a new employee. Safety education and training allows all employees, including managers, supervisors, and workers to understand the inherent hazards in the workplace. In many states, the cost of worker’s compensation is reduced for businesses that have implemented a safety program. Whether you are operating in a state with these discounts, or another state, reducing workers’ compensation claims is always a critical concern. The types of programs that can be implemented include:

  • Seminar training
  • Workshop training
  • Peer-to-peer training
  • On-the-job training
  • Regular safety inspections
  • Training programs for supervisors, managers, and employees
  • Reporting systems to identify developing hazards
  • Promoting safety with posters, emails, and other materials
  • Safety training geared to be easily understood and absorbed, in more than one language when needed
  • Additional training for new processes, equipment, or when a worker takes on new tasks

The Right Workers’ Compensation Insurance

As workers’ compensation premiums can be expensive, doing all you can to ensure your employees are safe protects workers – and the bottom line. When it is time to review your workers’ compensation insurance, speak to one of our local agents, as new programs become available every year, and it may be possible to reduce the cost of monthly premiums.

Can Having an Eco Friendly Home Reduce Your Homeowners Insurance?

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Your homeowners insurance premiums can be reduced with eco-friendly changes to your home environment. Any way to reduce monthly costs is valuable, and it is worth considering whether making changes could help you save. Some of the incentives offered by several insurance providers include:

LEED certification for a home: LEED, or “Leadership in Energy in and Environmental Design,” is a green building rating, which most people consider is for commercial, industrial, or educational facilities. However, implementing these standards when building or remodeling a home can help reduce energy costs significantly, and may allow you to enjoy discounts on your homeowners insurance policy. If you are looking for a home insurance company that offers these discounts, speak to one of our local agents.

  • Eco-friendly material replacements: When a home requires work, replacing existing materials with sustainable materials and products may allow for endorsements on your homeowners’ insurance policy. Installing Energy Star appliances can benefit homeowners by reducing energy costs, and gain an energy saving rating issued by the EPA and Department of Energy.
  • Solar and geothermal energy: Homeowners who have invested in solar or geothermal energy sources, or deliver surplus energy to the grid, not only enjoy dramatically reduced energy bills, but may cover the cost of utility inspections and reconnection costs.
  • Paperless discounts: If you choose to go “paperless,” you can expect many home insurance providers to offer a discount. All bills and policy information are submitted to you electronically, no paper involved.
  • Smart home technology: When a home is equipped with “smart” technology, including home monitoring systems, a homeowner may be eligible for a discount on home insurance policies.

How to secure homeowners’ insurance discounts?

To gain the benefits of lower monthly premiums, you must provide the homeowners insurance company with documentation, such as the LEED certification document. If you have installed Energy Star appliances in your home, you still need to achieve LEED certification, which may require some added changes to the home. Once the standards for LEED certification are met, a discount of 5% is available from several homeowners insurance providers.

Green home discounts

Some insurance companies offer a “green home” discount. If your home is damaged by fire, for example, the homeowners insurance policy pays to replace damaged appliances with Energy Star appliances, VOC-free material replacements and pay towards the cost of recycling debris.

Other discounts

Homeowners can also enjoy discounts for owning several types of policies through one provider, for never filing a claim, first-time home buyer discounts, or when building a home, using contractors a specific insurance company has approved, or an “accredited builder discount.” Other discounts can be offered for installing home protection devices, such as smoke detectors, sprinkler systems, or home security systems to make a home safer, and less likely to suffer a loss. Installing impact-resistant glass can allow a discount. Some types of roof installations that are better suited to withstand serious weather events can allow for a discount on premiums.

Choosing the right homeowners insurance company

As a homeowner, you deserve to gain every possible discount or improved coverage available. If you are considering a more affordable homeowners insurance policy with better coverage, we invite you to speak with one of our local agents about the programs now available on the market. Every year, new options are offered, including discounts for eco-friendly homes.

What Costs Should I Review When Planning a Funeral?

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As most people are aware, funerals are expensive. A premium casket alone can run up to $10,000. Costs
can vary, depending on the state, the selections you make, and whether the deceased is buried or
cremated. The national median price was nearly $8,000 in 2021, as stated by The Zebra, and funeral
costs are rising. The following are common funeral expenses to consider, with average costs as of 2021.

  • Funeral services fee — $2,300
  • Facilities for viewing — $450
  • Facilities for ceremony — $515
  • Casket – metal $2,500; wood $3,000
  • Cremation — $370
  • Urn — $300
  • Transfer of remains — $350
  • Embalming — $775
  • Cosmetic services — $275
  • Burial plot – public $1,500, private $3,500
  • Headstone or marker – flat $1,000, raised $3,500
  • Vault — $1,572
  • Hearse — $325
  • Flowers — $600
  • Printed materials — $185

 

One way to cut costs is to choose an eco-friendly, green burial or funeral. The median price of a
biodegradable casket is $1,500 – substantially less than the price of a metal or wooden casket.

Will Life Insurance Cover Funeral Expenses?

Life insurance can help pay for a funeral. Provided the monthly premiums are paid, policy beneficiaries
will receive a death benefit after the death of the policyholder. This money can be used to help ease the
financial burden, including paying for funeral costs.

Are There Other Ways to Cover the Costs of a Funeral

Although life insurance provides the biggest payout, there are other ways to cover funeral expenses:

  • Payable on death (POD) account: This is a specialized savings account designed specifically to
    cover funeral costs. When you set up the account, you designate a person to have control over it
    after you die. That person can gain immediate access to the funds by showing a valid death
    certificate. 
  • Final expense insurance: Also referred to as burial insurance, this type of policy is meant to
    cover end of life expenses. In addition to funeral expenses, these may include any outstanding
    medical or legal expenses that would need to be settled by the beneficiaries of the deceased.
    Benefits of this type of insurance include lower premiums, quick approval, and no medical exam
    required. 
  • Traditional savings account: A savings account can be used to put away money for any purpose,
    including funeral costs. Be sure to name a beneficiary if the account is meant to cover your
    funeral expenses. Otherwise, it will have to go through probate as part of your estate and access
    to the funds will be delayed. 
  • Military burial benefits: Members of the military are eligible for special burial benefits when
    they die. For a non-service-connected death, the Veterans Administration (VA) will pay a burial
    allowance of $300, or $796 if the deceased was hospitalized at the VA at the time of death. For a death connected to military service, it will pay $2,000.

 

After reviewing expenses associated with a funeral or burial, speak with our friendly local agent. We can
help you find the right insurance to help cover these costs.

General Liability, Professional Liability, and BOP: Which One Is Right for You?

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One thing is certain. If you own a business, you need business insurance. Without it, you would face paying out of pocket to defend legal claims or pay judgments against your company. This could be financially devastating for many businesses. The question is, what types of coverage do you need to best protect your business? Do you need general liability, professional liability, or a BOP?

General Liability Insurance

Also known as commercial liability insurance, general liability is designed to help cover liability claims against a business. If a third party sues you, it covers court costs, attorney fees, and any settlement or judgment against you, up to policy limits. We live in a litigious society, and general liability insurance is the cornerstone of business protection. No matter how careful you are, your business could be sued for a number of reasons including:

  • Bodily injury, if someone is injured on your business premises, for example in a slip or trip and fall accident
  • Property damage you or your employees may cause in the process of completing work
  • Advertising or personal injuries, such as libel, slander, or copyright infringement

Professional Liability Insurance

Professionals with expertise in a particular area need professional liability insurance for protection against claims of negligence. Depending on the profession, it may be called malpractice insurance or errors and omissions insurance. This coverage is recommended for doctors, accountants, architects, consultants, engineers, real estate agents and brokers, information technology specialists, financial advisors, and any professionals that contract their services.

It is important to have professional liability insurance because general liability insurance does not cover claims arising from mistakes, misrepresentation, malpractice, or negligence. If your business provides services to customers, consider purchasing this type of insurance to cover potential claims against your company for professional errors, mistakes, or failed service delivery. There are two basic types of professional liability policies:

  • Claims made: To be covered, the incident must have occurred and been reported within the
    timeframe of the policy, unless a “tail” is purchased. 
  • Occurrence: This covers any qualified claim resulting from an incident that occurred during the
    policy period, regardless of when the claim is reported.

Business Owner’s Policy (BOP)

Essentially, a business owner’s policy (BOP) is a general liability insurance policy with additional protection. It can save you money by bundling several different policies into a single package at a reduced rate. Typically, a BOP includes:

  • General liability insurance
  • Property insurance to cover buildings and contents owned by your company
  • Business interruption insurance to cover loss of income resulting from a fire or covered event that disrupts your business operations. It may also cover the additional cost of operating temporarily out of another location.

 

A BOP may not provide all the protection your business needs. For example, it will not cover professional liability, worker’s compensation, or commercial auto insurance. Our knowledgeable agent can sit down with you to discuss the risks your business is exposed to and the types of business insurance protection you may need.

What is Pet Insurance and Do I Need It?

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If you have a pet, you may want to consider pet insurance. Without it, you may be faced with a large vet bill or a tough decision. Pet insurance is a health insurance policy for your pet. It is available for dogs, cats, exotic birds, ferrets, rabbits, potbelly pigs, reptiles, and certain rodents. As with health insurance for people, you pay a premium in exchange for coverage. You may also have an annual deductible, co-pays, and caps.

Are There Different Types of Pet Insurance?

There are three basic levels of pet health insurance:

  • Basic coverage: This is the least expensive type of pet insurance. It helps cover illnesses, accidental injuries, and poisoning, but it provides the lowest reimbursement for procedures. Typically, a basic coverage policy comes with an annual deductible and places caps on reimbursement for each accident or illness, as well as a cap on total reimbursement for the policy period.
  • Comprehensive coverage: Although it costs more than basic coverage, comprehensive coverage
    provides more benefits. It covers accidental injuries, illnesses, emergencies, office visits, diagnostics, lab fees, X-rays, and prescriptions. Annual deductibles are generally lower than with basic coverage, but reimbursement is capped per accident or illness and for the policy term.
  • Well care protection: Pet well care protection reimburses owners for preventative care with no
    annual deductible for well care. It covers exams, vaccinations, flea prevention, and heartworm prevention. There may be a small deductible for medical services other than well care.

 

If you choose low deductible pet insurance with a high reimbursement level and high annual maximum, you will pay less in out-of-pocket medical costs per incident, but your monthly premiums will be higher. Most plans will allow you to purchase endorsements to enhance your coverage, for example to cover exam fees or checkups, but this will also increase your premiums.

What Affects the Cost of Pet Insurance?

In addition to the level of pet insurance you purchase, various factors can affect your premiums. These may include:

  • Species and gender: Dogs are more expensive to insure than cats. Insurance companies
    generally charge higher premiums for male animals.
  • Breed: Because they have more health issues and shorter life spans, larger breeds are more
    costly to insure. Some insurers may not cover certain breeds that are prone to hereditary conditions such as hip dysplasia.
  • Age: Generally, older animals cost more to insure than younger animals. Some insurance companies set age limits.
  • Location: Pet health insurance premiums can vary, depending on where you live. Costs tend to
    be higher in more densely populated areas.

What Is Not Covered by Pet Insurance?

Although standard pet insurance will cover most accidents and illnesses, there may be some exclusions with both basic and comprehensive coverage, which may include:

  • Pre-existing or hereditary conditions
  • Dental disease
  • Behavioral issues
  • Hip dysplasia
  • Preventative care
  • Routine checkups
  • Grooming

 

If you are considering pet insurance, speak with our friendly agent. We can help you find the health insurance coverage you need for your pet at a rate you can afford.

Should I Insure My Home Based Business?

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A home-based business is any business with its primary office located in the owner’s home, regardless of type or size. Many well known companies began as home-based, including Apple, Baskin-Robbins, Hallmark, and Purex, as stated by Entrepreneur. With so much that can be done online, operating virtually from home is more feasible than ever today.

A business operated from the comfort of your home is still a business, and it needs to be insured, the same as any other operation. Homeowners insurance and renters insurance will not cover home-based businesses. With the potential for business liabilities today, you would be wise to have some combination of business insurance policies in place.

What Types of Insurance Coverage Does a Home-Based Business Need?

The insurance you need for your home-based business will depend on your industry or business. Our experienced agent can help you determine what types of coverage to purchase. The following are some common types of home based business insurance:

  • Business property: If you use any equipment to operate your home based business, it should be insured against damage or loss. This may include a computer, printer, fax, office furniture, etc.
    Business equipment is generally not covered by homeowners policies, in case of a fire, flood, or other disaster.
  • Liability: This coverage protects your business from liability for damage caused to another person or property. If a carrier making a business delivery to your home is injured in a slip and fall on your property, you need liability insurance. Your homeowners insurance will not cover it.
  • Commercial auto: Your personal automobile insurance will not cover the use of your vehicle for business purposes. If you are involved in an accident, for example, while visiting a client, or picking up or delivering items for your business, you need commercial auto insurance to be covered.
  • Professional liability: Whether they are working in or out of the home, professionals need professional liability insurance for protection against claims made by clients or patients for negligence, failure to deliver, malpractice, misrepresentation, or mistakes. This type of coverage is necessary for doctors, lawyers, accountants, engineers, realtors, and any professional with expertise in a particular area. Professional liability is specialty coverage not provided under in-home business policies or homeowners endorsements.
  • Product liability: If your home based business manufactures or supplies a product, speak with our agent about product liability insurance. This coverage protects your business against product liability claims for damages or injuries caused by a product it designed, manufactured, or supplied.
  • Workers’ comp: If your home based business has employees, you may need workers’ compensation insurance. In some states, this coverage is mandatory if you have even one employee. Workers’ comp covers work-related injuries and illnesses. If your employee is injured on the job, it will cover related medical expenses and reimburse your employee for a portion of his or her lost wages.

Sit down with our knowledgeable agent to discuss the types of insurance you may need for your home based business. We can help you find the right coverage for the best available rates.