Driving provides every individual a sense of freedom, but with every freedom there are responsibilities. The most important responsibility while driving is the safety of yourself, of your passengers, fellow drivers and your surroundings. Auto insurance helps you live up to that responsibility by ensuring your ability to cover the expense of potential damages or injuries.
Auto insurance also protects the investment in your vehicle and offers a means to manage unexpected expenses due to an accident, vandalism or theft. After all, an accident is just that, an unplanned event.
The biggest asset for most people is their home. Lose that, and you will likely lose a big part, if not most, of your net worth. Even if you don't own, but rent, you can still easily lose all your belongings in a sudden fire. That's where homeowners and renters insurance comes into play.Homeowners insurance will protect your property whether it's a home in the country or a condo in the city. Homeowners insurance will not only cover a home structure, it will cover the contents as well.Homeowners insurance also covers you for liability should someone be injured on your property. It will also cover damage to some of your possessions that are not located at your home. This includes damaged luggage on a trip or property stolen from your car.One thing homeowners insurance doesn't cover is damage from floods. So if you have a home in a low-lying area that may be vulnerable to rising water, ask us about purchasing flood insurance.Of course if you're a renter, you will want insurance to cover the value of your possessions. (The landlord's insurance only covers the structure— not your contents.) You'll also need renters insurance for liability coverage in case someone is injured in the apartment or house you rent.
Owning a small business can be extremely risky. Most small businesses fail within five years. Without proper protection, owning a small business can be more risky than just failing to make a profit. It could threaten your personal financial well-being far beyond anything you might imagine.So why not try to protect your business assets and take as much risk out of your efforts as possible with business insurance?In our litigious society, the threat of legal action against small business is always present. But there are other risks besides liability. Your business could be shut down because of a loss of business machinery, financial records or office equipment due to a fire, power outage, weather or any number of other causes. Even a temporary shut down could force you to permanently close your doors if you aren't appropriately covered for such an event.
That's where business owners insurance and other business insurance policies come into play. They can protect your small business. Shop owners, contractors, restaurant owners, home businesses and every type of small business you can think of needs business insurance.