4 Things That Can Impact Your Car Insurance Premium

According to reports compiled by DMV.org, the average annual premium rate for car insurance in the United States is just over $900. If you are paying more than the average, you may be wondering why and what you can do to reduce your insurance premiums in the future. Here are four things that car insurance agencies often use to determine the rates they charge.  Driving Record It goes without saying that your driving record is one of the most crucial criteria that is looked at.

Pizzeria Business Insurance: Preventing Rising Costs

A pizzeria using your family's recipes can allow you and your whole family to run a business together. Being able to serve great food might be the only thing you're focusing on, but you need to ensure that your family and the pizzeria itself are protected with insurance. Once your policy has started, it's in your best interests to help everyone avoid any claims so that costs don't rise; focus on these issues so that your policy costs remain reasonable:

Should You Have Separate Auto Insurance Policies For You And Your Spouse?

For married couples, there are some benefits to combining individual insurance policies into one plan. You may be able to enjoy discounts for the shared policy, and it may simply be easier to make one payment for your coverage every month. However, there are some situations in which it might make sense to maintain separate policies. Here is a look at some of the reasons you might want to keep your policies separate.

Storm Preparedness: 4 Tips For Small Businesses

It doesn't matter what type of small business you are running and operating, it is important that you are prepared for anything. More than likely, especially if you are new to owning a business, the last thing that you are worried about is a hurricane, earthquake or other natural disaster sweeping through and doing damage to your business. However, it could happen, and it could put you out of business if you have not put the effort into being prepared.

Four Insurance Policies Every Small Business May Need

Owning and operating your small business is fraught with perils. It is a litigious society, and leaving yourself unprotected can lead to a legal nightmare. Being properly insured, with the right types of insurance, can help you assuage the risks. Here are the basic types of insurance every small business owner should carry. Errors And Omissions Insurance Also called professional liability insurance, errors and omissions insurance protects providers of professional services from negligence claims by their customers.

Insurance Considerations When Opening Your Private Horse Barn To Boarders

According to the American Association of Equine Practitioners, the annual cost of owning a healthy horse is $2,500. Due to the costs, many people who own small horse farms often consider opening their stables for boarding to help offset the costs of horse ownership. If you own a small horse farm and are considering boarding other horses, it is crucial that you have the appropriate insurance. Typical homeowner's insurance will not be enough.

Three Things To Consider When Getting A Life Insurance Policy For The First Time

Many people think that they do not need to have life insurance if they work a desk job because they think that there is no chance of them being killed while they are at work. It is important to realize that accidents happen every day and that there is always a possibility of you being killed accidentally. When you get life insurance, there are a lot of things to take into consideration though.