Small business insurance, sometimes called commercial insurance, helps cover a business’ assets, property and income against certain losses. A business owners policy (BOP) offers three basic types of coverage to help protect a business: business property coverage, general liability coverage and business interruption coverage. If you’re a small business owner, you may be able to buy additional coverages to customize … Read More
Motorhome Insurance
A motorhome can bring certain freedoms when you’re on the road. Of course, you’re careful as you navigate your home-on-wheels on the open road, but have you put other important protections in place? If you own a motorhome or if you’re thinking about buying one, here are some things to consider about insurance. WHAT DOES MOTORHOME INSURANCE COVER? You may … Read More
What Does Golf Cart Insurance Cover?
It may not be your primary mode of transportation, but your golf cart sure can take you places: on the green, around your neighborhood, across your property and, in some cases, even around town. So, do you need golf cart insurance? Well, some states require golf cart insurance. In Arizona, for instance, golf cart owners are required by law to … Read More
Permanent Life Insurance
Permanent life insurance policies offer a death benefit and cash value. The death benefit is money that’s paid to your beneficiaries when you pass away. Cash value is a separate savings component that you may be able to access while you’re still alive. Permanent life insurance lasts from the time you buy a policy to the time you pass away, … Read More
Term Life Insurance
When you’re shopping for life insurance, you can choose from two basic types of policies: term or permanent. If you’re considering buying a term life policy, here’s a brief primer on its essential characteristics and benefits. WHAT IS TERM LIFE INSURANCE? The Basics: As the name suggests, term life insurance policies offer coverage for a specified amount of time, typically … Read More
What Do I Need To Know About Renters Insurance?
WHAT DOES RENTERS INSURANCE USUALLY COVER? A renters insurance policy typically includes a few types of coverage: Personal property protection, which helps protect your belongings in case of a covered loss Liability protection, which can help protect you financially in case someone is injured in your home and files a lawsuit Increased living expenses, which helps cover the reasonable costs … Read More
Flood Insurance 101
If your home isn’t protected against floods, you are (unfortunately) not alone. Only 12 percent of U.S. homeowners have flood insurance, according to a 2016 poll conducted by the Insurance Information Institute. Are the remaining 88 percent just betting that a flood won’t hit their homes? Or do they mistakenly believe their homeowners policy offers protection against a flood? In … Read More
What to do in case of an accident?
1. Stay calm. Determine the extent of injuries or damage. If needed, obtain medical assistance. 2. Call the police to file an accident report. Don’t leave the accident scene unless your physical safety is at risk. 3. Limit discussion of the accident. Talk only with the police, your Toro Agent or a claim representative. Don’t admit fault at the scene or … Read More