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In an effort to attract a growing customer base, business owners who lease property will often improve their space. From simple changes in wall covering to extravagant custom designed upgrades, business owners and lessors alike can reap the benefits of upgrading interior spaces. Yet, without paying special attention paid to lease agreements and insurance provisions, even a minor damaging event

When it comes to avoiding tickets, it may seem everyone scored perfectly on their drivers test. But in reality, there may be certain driving habits you have which may actually be illegal. And when it comes to avoiding tickets and points on your driving record, there also seems to be quite a bit of misinformation floating about. Your driving record directly impacts your insurance premium. Unders

Tail insurance coverage is a good provision to have that can help keep you from paying out-of-pocket even if your policy has expired. This form of coverage allows you to file a claim after your policy has expired for acts that occurred during the time when your policy was still in effect. As a result, the policyholder will usually have to pay an extra premium or additional fee for tail coverage, w

Companies such as Airbnb, HomeAway, VRBO, and others have made home sharing a go-to way for savvy travelers seeking to enjoy a more personal experience. For the homeowners, home sharing can be a fantastic way to generate some income from unused properties or rooms. Before you decide to rent your home, it is important to determine if you have the proper insurance coverage in place, or if additio

There are no two insurance policies that are the same. A rental property Insurance policy is very important for landlords and property owners to have because it can provide an ample amount of protection when you need it most. Understanding Rental Property Insurance and Why It's Different from a Homeowner’s Policy First, it’s important to understand the difference between rental property insu

As your business begins to flourish you may see the need to take it to the next level. The simple business structure you started not too long ago has outgrown itself. You need more out of the current structure you have in place. It may be time for an entity change. This can cause you concern because you are unsure of how a change will affect your insurance. First, let us look at the reasons why yo

With over $20 billion in claims over the past 10 years, floods are the most costly natural disaster in the United States. Yet many real estate owners, from businesses to homeowners, often forgo the purchase of flood insurance when not required to by their mortgage company. Unless you live in a flood-prone area, the thought of your property flooding may not be top of mind. Unlike fires which can

Practically every business depends on equipment to keep their operations running and revenues flowing. Equipment breakdown coverage insures all kinds of equipment types. Most common breakdown exposures include air conditioning systems, elevators, point of sale equipment, and more. Coverage can also be purchased for more complex machinery such green energy and telecommunications equipment to genera

One of the most important coverages within your automobile insurance policy is for uninsured and underinsured motorist coverage. In the United States, it is estimated 12.5 percent of drivers are uninsured. This is in light of all states requiring at least a minimum amount of coverage. As a way for individuals and business owners to protect themselves from these risks, insurance companies offer

With an overactive hurricane season, 2017 brought devastation across the Gulf Coast and north along the Atlantic seaboard. The year saw a total of seventeen tropical storms, of which ten became hurricanes. Ending a 12-year span, where not one hurricane made landfall in the United States, hurricanes Harvey and Irma broke the streak and caused billions of dollars in property damage. They also lef