Insurance Archives Page 4 of 5

14 Sep 2021

What Types of Insurance Should a Small Business Consider?

Business, Insurance

Must-Have Policies for Businesses Business Owners Policy - Covers liability for lawsuits, income insurance, and property damage. Workers' Compensation - Covers your employees if they get injured on the job. Data Breach Insurance - Protects your business from the effects of data theft. Health & Life Benefits - Offer medical and life insurance options to your employees. Errors & Omissions Insurance - Protect your business if your advice our services negative impact a customer. Employment Practices Liability Insurance - Protect your business if you have violated an employee's…

03 Aug 2021

Steps to Take After a Car Accident

Insurance

On average, there are 6 million car accidents in the U.S. annually and 3 million people are injured. Chances are you have already or will be involved in an accident (or accidents) at some point in your life. So, it’s important to know what steps to take after a car accident, whether it's a major crash or a minor fender bender. Call 911 if there is an injury. Check yourself and your passengers for injuries, then check with the other driver to see if they’re ok. If someone…

19 Jul 2021

What Kind of Insurance Do I Need for My Rental Property?

Insurance

Rental properties face specific threats. As a landlord, you need to be proactive if you want to protect your investment. Most landlords often seek to know the best kind of insurance for their rental property. Some may think that having a homeowner’s insurance is enough. However, this is not true. That is because rental properties have more risks than your private residence. The only time that the homeowner’s insurance may cover rental property is when you temporarily rent out your home. Therefore, short-term rentals do not require extra…

12 May 2021

What is Renter’s Insurance and Why Do You Need It?

Insurance

Living in a home of any kind comes with its risks. There is a long list of unpleasant things that can happen to the building, its occupants, or their belongings. The building could suffer flood or fire damage. A tree could fall on the roof or a burglar could break into the home. These are events no one wants, but which happen in the everyday course of life. Bad things happen despite our best efforts to prevent them. This is why people buy insurance. Insurance offers assurance that…

30 Mar 2021

My Teladoc Telemedicine Experience

Insurance, Wellness

I’m one of many people who hate going to the doctor. Also, since COVID-19 started, I’m even less inclined to drive in for a visit. I’m fairly young and take pretty good care of myself, so prior to working for an insurance company I opted for a bare bones, major medical insurance health plan. However, last month I saw the wisdom of having decent medical insurance coverage with added benefits. I experienced some digestion-related issues similar to food poisoning that persisted for over 48 hours. I was just…

26 Aug 2020

Tips for Staying Safe on the Road

Insurance

According to the ASIRT, over 38,000 people in the USA die in traffic accidents every year (the most of any high-income country) and 4.4 million people are hurt badly enough to need medical attention. You can’t control the recklessness of other drivers, but you can reduce your driving risks by following these safety tips. Maintain a safe following distance Tailgating is a major cause of accidents because drivers often follow other cars too closely. If the driver in front of you slams on their brakes for any reason,…

04 May 2020

My Progressive Snapshot Experience – Lower Your Car Insurance Rates

Insurance

You may have seen Flo from Progressive Insurance telling you to install their Snapshot plug-in device (there is also a mobile app, but it’s not available in all states). When I was looking for car insurance, I got several quotes from different carriers through A and H Insurance and Progressive came back the cheapest, while still giving me excellent coverage. The rate was great, but I decided to see how much lower I could get it and signed up to get a Snapshot device. How To Sign Up…

21 Jan 2020

Why You Should Avoid Health Insurance Imitators like HCSMs

Insurance, Wellness

I get it. Money is important. Health insurance is essential. Health insurance is expensive. Why Health Insurance is Expensive The biggest reason that health insurance is expensive is that healthcare is expensive. It’s not the cost of a few stitches or a flu shot that make the premiums so expensive. It’s the cancer treatments, the transplants, the dialysis. The reasons why healthcare is so expensive include administrative costs and defensive medicine (ordering lots of tests to avoid getting sued), among other factors. It is easy to look at…

11 Nov 2019

Insurance and the “Peace of Mind” Effect

Insurance, Psychology

Insurance can be a bore to talk about. However, it is a crucial part of our lives. Not only is health insurance, for example, important in the event of unexpected health issues and preventative care, but simply having health insurance can give people “peace of mind.” Not just in a figurative sense, but literally. One study found that having health insurance may reduce stress and cortisol levels. Insurance is not just useful in the event of accident or injury, it can also reduce anxiety about these feared events…

22 Apr 2019

Navigating the Frustrations of Medical Billing

Insurance, Wellness

Going to the doctor’s office to be treated for a certain physical pain shouldn’t also be a financial pain. To ease the worry of getting doctor bills, below are a few steps that will help you to confidently open those dreaded bills. Know Your Benefits The most important part of the insurance puzzle is to know your benefits and what is covered by your insurance company. Prior to making an appointment, know if you need a referral to see that physician. Also find out whether the provider is in…