As a business owner or professional, you should understand the type of business insurance coverage you need to protect your business. As a business owner, you have lots of ways that your business can be at risk of being sued. If you own a business that offers a service to clients instead of a physical product, you should carry professional liability insurance.
1. Professional Liability Insurance Is Different Than General Liability Insurance
Auto insurance premiums are based on many different items. You don't have control over some of these, but others you can change. The following are some of the items that impact your auto insurance premiums.
Age, Gender and Marital Status
The big three that impact your auto insurance and that you have no (or little) control over are your age, gender and marital status. While you might be able to change one or two of these, such momentous decisions generally aren't made just to save a little bit on your auto insurance.
Most people can agree that car insurance is a must. But you don't want to just select any car insurance without giving it much thought. You want to make sure that you choose a great car insurer and choose a policy that meets your individual needs. There are a variety of car insurance options and different coverage levels. You may be feeling confused about what kind of coverage to buy. One common confusion is the difference between comprehensive and collision insurance coverage.
After the accident happened, you knew it was your fault, so now comes the time to settle the accident with your auto insurance company. If the damages were bad enough, the insurance company might declare your car a total loss. What does this mean, though, and how do insurance companies make this declaration? Here are some things to know about total losses with cars and car insurance.
What a Total Loss Refers To
When you are trying to get nothing but the best from your car and the time that you own it, you'll want to always make sure that the vehicle is insured to the fullest. Every state has minimums for what kind of insurance you need, and you can be in violation when you fail to have this insurance. You can get hit with a ticket and may get your license suspended if you are caught driving without insurance.