Ramblings Of An Insurance Novice

Starting a small business tends to center around understanding the legal aspects of the new venture. You need to know how to structure your company and which licenses you need to operate in a lawful manner. Once you have these matters situated the next order of business is getting insurance. Property coverage is important, and liability protection is vital, but there are two additional less talked about types of insurance that you should also add to the roster.

So, you want to know how to start a casualty insurance agency? If you are just at the very beginning stages of this career and you are just doing the planning, there is a lot more ahead of you than renting an office space and selling policies. If you are really serious about this idea, here is what you need to do first. Take Your State's Licensing Exams Insurance agents in every state must be licensed and know how to start a casualty insurance agency.

It's that time again: time to shop around for new health insurance. If you're worried about being stuck with sky-high premiums, it's time to take matters into your own hands. While the cost of health insurance does continue to rise, there are still steps you can take to reduce your premiums. Before you start shopping for health insurance, here are some methods you can use that will help you save money.

Several auto insurance companies now offer safe driving rewards. You have to remain either accident-free or claim-free for "x" number of months or a complete year to get the rewards. Yet, it begs the question; are the rewards worth it? Let's take a look. Staying Accident-Free for Three or Four Months  Honestly, this is totally doable. Unless you are a high-risk driver who goes out drinking and clubbing every weekend, it should be quite easy for you to remain accident-free for three or four months.

Owning a vehicle comes with a large amount of responsibilities to keep it durable. You must also ensure that your driving is safe enough to avoid causing accidents, as getting into a collision that causes injuries to someone can land you in a lawsuit. However, sometimes getting into accidents happen no matter how much you try to avoid them, as other drivers often drive in a reckless manner. One thing that you need to keep your vehicle durable and have financial security in accidents is auto insurance coverage.

If a flood ever hits your city and causes damage to your home, did you realize that your standard homeowner's insurance policy will not cover the damages? This is because homeowner's policies exclude damage caused by floods. Therefore, if you want to have flood damage covered, you will have to add flood insurance to your policy. Here are several things to know about flood insurance. Is It Required? Having flood insurance is usually not a requirement; however, there are times when homeowners are required to have it.

If you're a business owner and don't currently hold business property insurance coverage, now is the time to start shopping around for quotes. Specifically, business property insurance can protect you from liability and unexpected costs related to disasters that occur on your property and beyond. Before you make a decision about purchasing a policy, however, it's important for business owners to know the realities behind some of the most common business property insurance myths out there.

Summer is a great time of year to get out your auto insurance policy and see what type of coverage you are actually paying for. Here are two extras that you may want to add to your insurance plan that will help give you the level of coverage that you need. #1 Roadside Assistance If you don't have roadside assistance already, you should seriously consider adding it to your plan. Generally, over the course of a six-month premium, roadside assistance will only cost you a few dollars a months or pennies a day.