Caring makes a difference and we understand that running a small business is a journey filled with unique challenges, especially when you’re just starting out. Navigating the world of business protection can feel overwhelming, but that’s where we step in. Every business is unique, and while your needs may differ from others, there are five core insurance types that are essential for most small businesses. Let’s explore them together. 1. General Liability Insurance: Your First Line of Defense Life throws curveballs, and sometimes those curveballs can lead to property damage or bodily injury. Whether it’s a customer slipping in your store or an employee accidentally causing damage at a client’s…
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Do you need flood insurance?
Many Americans don’t need to wonder if they need flood insurance — it’s required as a condition of their home loan. But unlike car insurance, flood insurance isn’t required simply because you own property. In these cases, flood insurance raises the same question as other insurance policies do: When does the premium outweigh the actual risk? Even a $650 annual premium, the amount the National Flood Insurance Program (NFIP) cites as average, seems like a lot if you never use the coverage. Flood damage isn’t covered under most homeowners’ policies, and some can responsibly do without benefits. Here’s what to do if you choose that route—and how to save if you want protection…
