TGS

NOVEMBER 15, 2024

TGS Insurance » Blog Adding a Second Car to Insurance: What to Know Before You Drive Off Whether your family is growing, or you’re just tired of sharing one set of wheels, adding a second car to your insurance policy can bring about both benefits and a few challenges. Why Add a Second Car to an Existing Insurance Policy?

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Protect Commercial Insurance

JULY 26, 2024

As a tailor, it is crucial to protect your business from potential risks and liabilities. In this article, we will provide you with four essential tips to help you understand your coverage needs, find the best rates, review and update your policy regularly, and work with an experienced insurance broker. Let’s dive in!

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Jackson & Jackson

APRIL 29, 2024

This article outlines practical tips and strategies to help commercial property owners in California minimize their insurance expenses while maintaining adequate protection for their investments. Increase Your Deductible Increasing your deductible is one of the simplest ways to lower your insurance premiums.

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TGS

OCTOBER 3, 2024

The more risks your area poses, the more your insurance company will charge to protect you. Basic coverage that just meets your mortgage lender’s requirements will be cheaper than more comprehensive coverage that protects against every possible risk. Opting for a higher deductible can lower your monthly premium.

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Jackson & Jackson

MAY 23, 2024

You have poured your heart and soul into your venture, and it’s only natural that you want to protect it. It acts as a safety net, protecting your business from unexpected events that can cause financial hardship. However, finding affordable small business insurance can sometimes be an uphill battle.

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Shield Insurance Agency

APRIL 19, 2024

Among these requirements, collision coverage is a significant aspect that drivers should understand in order to make informed decisions about their insurance policies. The deductible is the amount you must pay out-of-pocket before your insurance coverage kicks in.

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Frankenmuth Insurance

JULY 25, 2024

Then, they’ll get the right protection in place for you from a reputable carrier for more peace of mind. What are the coverage limits and deductibles? What deductible do I have to meet before my coverage kicks in? Can I adjust my deductible down the road? What disasters or damages are not covered by this policy?

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Distinguished

JULY 22, 2024

Unfortunately, these unique risks are rarely appropriately covered by standard homeowner insurance policies. Avid collectors who rely on their homeowner’s policy are likely to encounter low coverage limits — if their collectibles are covered at all. For most, this will mean a collectibles policy.

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Distinguished

SEPTEMBER 17, 2024

What are some of the key factors you consider when determining appropriate coverage limits and deductibles? If we are comfortable with our exposure, we may consider increasing the AOP deductible and the theft deductible , depending on the underwriting analysis. So specific to limits, I just mentioned security.

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American Agents Alliance

SEPTEMBER 4, 2024

However, many California homeowners overlook a key aspect of protecting their equity: earthquake insurance. Everyone hopes they won’t need the policy but will be relieved they have one if the need arises, making it possible for them to return to their homes and sustain their lifestyle during the rebuilding process.

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Protect Commercial Insurance

OCTOBER 25, 2024

Introduction When it comes to safeguarding your business, selecting the right insurance policy is crucial. It can be quite a daunting task with so many options out there, and understanding each policy’s intricacies is essential for your peace of mind and financial wellbeing. Every industry comes with its own set of risks.

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Property Insurance Centre

SEPTEMBER 25, 2024

See what is not covered in terms of events/damage for your policy and think about getting flood insurance or accidental damage insurance if desired. Accidental damage is not usually covered by a normal building insurance policy. – Failure to read particular policy documents. – Picking a low excess. What is Covered?

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Jackson & Jackson

APRIL 28, 2024

This article outlines the top five mistakes property investors make with insurance and provides practical tips on avoiding them, ensuring your investments are adequately protected. Ensure your policy covers replacement costs rather than actual cash value, as this accounts for the depreciation of your assets.

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Triple-I: Business Insurance

OCTOBER 1, 2024

Another way the insurance industry would be affected is from losses from coverage protecting against adverse business costs of events, such as strikes. However, most such policies have waiting periods ranging from five to 10 days, and then deductibles, before payment is triggered.

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Scott Insurance

JANUARY 31, 2024

Although individual rates are based on specific factors such as location, credit score, claims history, age of dwelling and deductible, some general trends are leading to higher rates across the board. Increased Replacement costs Most homeowners policies are designed to completely pay for replacing a home in the event of a total loss.

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Smart Insurance Agents

AUGUST 19, 2024

Key Highlights Comparing Medicare Supplement Plans Insurance, or Medigap, helps cover costs that Original Medicare doesn’t, like copays and deductibles. Here is where Medicare Supplement Insurance, also known as Medigap policies, is helpful. This includes copayments, coinsurance, and deductibles.

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ProWriters

APRIL 3, 2024

As they seek to secure the insurance they need to protect themselves, some companies’ decision-makers may get confused about E&O vs. EPLI policies. Both types of policies involve legal liabilities and are important. The policy extends coverage for a specified period, typically one year, and can be renewed annually.

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TGS

NOVEMBER 18, 2024

The Basics: Defining a No-Fault State At its core, a no-fault state is one where your car insurance policy takes care of your medical expenses and certain other costs, regardless of who caused the accident. In a no-fault system, each driver’s own insurance policy is the first line of defense for medical bills and other specified expenses.

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Protect Commercial Insurance

MAY 30, 2024

As a business owner, it is crucial to protect your empire from various risks and threats that can potentially disrupt your operations and financial stability. Let’s dive in and discover the insurance options that are essential for your business’s protection.

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Protect Commercial Insurance

OCTOBER 4, 2024

Understanding this connection can help you make informed decisions about your investments and protect your financial well-being. They can be set by central banks and are influenced by several factors, including inflation, economic growth, and monetary policy decisions. Let’s dive into how these changes could affect you.

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ProWriters

NOVEMBER 13, 2024

Businesses should: Assess Vendor Risk Businesses should ensure their insurance policies account for risks associated with dependencies on external vendors. Understand Coverage Limits Businesses must closely examine their Cyber Insurance policies to understand what is covered in the event of an IT outage caused by third-party vendors.

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Jackson & Jackson

MARCH 18, 2024

However, just like any valuable possession, protecting them with the right insurance policy is crucial. In this guide, we will explore the importance of luxury handbag insurance, its coverage, how to choose the right policy, and the steps to insure your cherished bags. “What Does Handbag Insurance Cover? .

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Jackson & Jackson

MAY 22, 2024

Investors must understand the importance of securing comprehensive commercial property insurance coverage to protect their investments. “Understanding Multi-Family Property Insurance” Commercial property insurance is a vital safeguard for property owners, protecting their assets against various risks. .

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Bankers Insurance

MAY 16, 2024

These policies can provide critical financial security as homeowners seek to protect their fiscal stability and property. As insurance companies leave certain markets or refuse to issue policies to certain properties, homeowners may be forced to seek more expensive options, such as state-supported insurers. Adjust coverage.

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ProWriters

APRIL 17, 2024

One key step is making sure clients have adequate coverage options for bodily injury in their Cyber Liability Insurance policies. We at ProWriters can help you understand the risk, explain it to your clients, and secure the Cyber Insurance policies that provide the protection they need.

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Scott Insurance

JANUARY 28, 2022

In some situations, property policies might give a sub-limit to help with remediation costs. Environmental / Pollution Environmental/pollution policies are available in the market and can contemplate both the first party (property) and third party (general liability – bodily injury/property damage) mold exposure.

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Bankers Insurance

SEPTEMBER 12, 2023

Subrogation is more than just a fancy insurance term – it’s a right held by your insurance carrier under your policy that allows them to seek reimbursement from the party found responsible for the accident after they’ve paid a claim for a covered cause of loss. HOW LONG DOES SUBROGATION TAKE?

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TGS

SEPTEMBER 11, 2023

TGS Insurance » Blog With hurricane season in full force, South Carolina residents living on the coast must protect their homes from the upcoming storms. Understanding how windstorm insurance works in these areas is the first step in adequately protecting your home. The law protects all land designated “beach” by the legislature.

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Triple-I: Homeowners Insurance

APRIL 5, 2024

The widespread damage incurred from Idalia last year highlighted the importance of being financially protected from catastrophic losses – and that includes having adequate levels of property insurance and flood coverage,” said Triple-I CEO Sean Kevelighan.

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Freeway Insurance

OCTOBER 8, 2023

This article will talk about the things that make car insurance claims cost a certain amount, and will also show how Freeway Insurance works to protect its customers’ money and peace of mind in this area. Right off the bat, you might have to pay your deductible, which is the amount you agreed to when you got your insurance.

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Bankers Insurance

JULY 8, 2024

Companies with employees who travel for business may want to consider supplemental coverage from a travel insurance policy. Purchasing an international travel insurance policy may be the only way you can cover all your bases. In most cases, the deductible requires the insured to pay about 10 percent of any loss.

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Healthinsurance.org

JANUARY 2, 2024

PPOs will cover out-of-network care, but the deductible and other out-of-pocket expenses are typically higher (often significantly so) for out-of-network care. Read the details of any policy you are considering carefully. So policyholders who use a provider outside of the PPO plan’s network typically pay more for the medical care.

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Maritime Insurance International

MARCH 3, 2020

Given the risks you face, boat insurance can be a wise purchase to help protect your investment. A boat insurance policy could offer you coverage for the following: Property Damage. Loss of your own personal effects or those of a passenger while onboard or getting on/off your boat can be protected. Towing Accidents.

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Bankers Insurance

AUGUST 8, 2024

Doing so can make all the difference in providing sufficient protection and preventing coinsurance penalties amid covered property losses. Most commercial property insurance policies include coinsurance clauses, which encourage policyholders to carry reasonable and accurate coverage amounts. 80%) of the property’s value.

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American Agents Alliance

AUGUST 22, 2024

On September 28, 2022, Governor Gavin Newsom signed Senate Bill 1107, also known as the Protect California Drivers Act , into law, which will double minimum auto liability limits. The most immediate impact will be an increase in premiums for drivers currently holding minimum coverage policies.

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Distinguished

NOVEMBER 7, 2024

The Obligee : Usually the project owner or developer requiring the bond as a form of financial protection against the principal’s non-performance. Performance Bonds: Guarantee the completion of a project according to contractual terms, protecting the owner against losses from contractor default.

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Cover4LetProperty

JANUARY 29, 2024

Landlords may be held liable for injuries or damages that occur on the rental property, and the insurance needs to provide adequate protection; properties used for rental purposes may experience more wear and tear compared to owner-occupied homes. The post Why is landlord insurance more expensive than home insurance?

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