As a contractor, you understand the importance of protecting your business from unexpected accidents and liabilities. That's why it's crucial to have adequate insurance coverage to safeguard your company and employees. Here are the various contractor insurance coverage options available and some tips to help you determine which ones are right for your business. General Liability Insurance General liability insurance is one of the most common types of coverage for contractors.

If you have been convicted of certain traffic violations or have had your driver's license suspended or revoked, you may need SR-22 insurance. While you often hear the term SR-22 insurance, it's not a type of insurance; instead, it's a certificate you must file with the state to prove you have the required car insurance coverage. If you are in a situation where you need one of these certificates, here's what to know.

Car insurance rates for senior citizens tend to be much higher than what the average middle-aged person will pay. Hearing impairments, vision loss, and slower reflexes place seniors at a higher risk of being involved in an accident. The following guidelines can assist your aging parent with acquiring cost savings on their automotive insurance policy.  Driving Differentials Your parent may have previously been accustomed to driving long distances to and from work, but now be gradually phasing out their work responsibilities and driving less often.

When you make a large investment into any endeavor, it's important to do everything you can to protect it. Purchasing a house is one of the largest expenditures that anyone could ever make, so getting homeowner's insurance is absolutely essential. Homeowner's insurance provides a financial buffer in case you experience covered losses. While a standard policy will typically cover basic perils such as theft or property damage, there are other risks involved with homeownership that you must protect against as well.

Home insurance is an important asset to have regardless of what type of property you own. Home insurance agents can be hired to help you manage this type of insurance, which you might want to do when dealing with any of these situations. New to Home Insurance If you've never had a home before and thus never had to get home insurance, it's best to work with a home insurance agent.

If you're on the ground floor of your new startup business, now's the time to consider your insurance needs. If you're like most people, you might not think you need insurance for your startup. That's not the case, though. In fact, you shouldn't move forward with your startup until you have insurance protection. If you're not sure what type of insurance protection you need for your startup, read the list provided below.

There are two major reasons you should have car insurance; one is because it is a requirement and because you need it. You should know that driving around without it can be dangerous. Also, if this is your first time getting one, note that each state has maximum liability coverage. You want to increase your limit to avoid paying for damages in instances where you are liable for an incident and they exceed the set limit.

Are you looking for a way that you can save up for retirement, but also want the benefits of life insurance? If so, an indexed universal life insurance may be a great option for you. Here is what you need to know about this alternative form of life insurance. The Tax Benefits Since an indexed universal life insurance policy allows your income to grow tax-free and be withdrawn without taking taxes, it provides huge benefits over other ways that people save up for retirement.

Once you understand some reasons why homeowners insurance is so important, you will see why you won't want to risk not carrying it. Here are three main things to know about homeowners insurance that can help open your eyes to why you want to make sure your home is always covered:  1: Know your home is always protected When you carry homeowners insurance, you can rest assured that your home will be covered if something happens to it that could end up putting you in a bad situation.

Are you not sure how Medicare Advantages plans work and wondering if they are right for you? If so, you'll want to know the following info about this type of health insurance plan. What Are Medicare Advantage Plans? A Medicare Advantage plan is considered Part C of Medicare. It is a health insurance plan that is offered by a private company, and includes coverage for things such as medical and hospital coverage, Part D medical coverage, and can even include dental and vision coverage that is not provided by Medicare.