What is best for your business? How does insurance affect its operation? There are risks associated with every business, whether the business involves one person or a payroll in the hundreds or thousands. The risks related to a business may often be handled by commercial insurance. ...

Insurance companies use different sources of information about a person that supplements an application. For auto coverage, motor vehicle reports are ordered. For home coverage, physical inspections may be needed. Another tool that is widely used for underwriting is credit-based scoring. Use of this item remains controversial and its origin lies in the commercial use of credit histories...

Holidays often include celebrations that bring families and friends together in homes across the country. Food, fun, talk and spirits flow generously and, to add a sobering thought, so do injuries and accidents. It's not news to hear that increased drinking leads to increases in personal tragedies, but it's important to heed reminders that individuals must be responsible for their actions. ...

It happens many times from our smallest towns to the largest cities; a bar/club or park filled with people. They gather to eat and drink and to be entertained. Three sources of entertainment are quite popular: Live bands, deejays and karaoke. While many performers who provide these services do so as a full business enterprise, the vast majority don't. In fact, many such performers treat their activities as hobbies and that can create problems...

The Insurance Institute for Highway Safety issued a report that drivers frequently hit deer and, being large animals, such accidents are a big problem. Annually vehicle and deer collisions cause thousands of dollars in damages (per vehicle), results in many thousands in injuries and cause hundreds of deaths...

If you own a classic or antique auto you're in a specialty coverage situation. Depending on the type of car you own and your driving history of tickets and accidents, you are likely insured in a preferred auto market. Preferred markets cover typical or average cars and operators. This allows insurance companies to use assumptions about expected losses for determining insurance premiums...

You may be frustrated with car insurance premiums that may creep upward. Some of the factors that could be affecting your cost are: There are ways to address rising costs. Gather your insurance records. Next, determine if things have changed since you last reviewed your coverage. Once this information is collected, call your agent and discuss some of the following items:...

Most homeowners have one thing in common: Their single, largest asset is usually their residence. In recent years, many homes have been demolished by floods, fires and winds. Because of what is at stake, most property owners buy insurance to protect against certain types of loss...