Surety bonds are required in multiple situations. It’s a contract between three parties – the individual needing a product, work or service, the company or individual providing the work, service or product, and the issuing entity of the bond. It…
Small business owners have the potential to lose their enterprise from just one lawsuit. Business insurance is a necessity for anyone that wants to conduct commerce with the public. There are many types of coverage available to small businesses and…
Owning a motorcycle comes with some special considerations in Florida and the law can be very confusing. Florida doesn’t require insurance for motorcycles, but are required to carry $10,000 in medical coverage benefits. Riders can be held responsible financially for…
Boat owners in Florida are not required to have insurance on their vessels no matter the size. There are two exceptions. If a loan was obtained to purchase it, the lender will require insurance to protect their investment. A boat…
People have a variety of options when choosing insurance, but policies are written with unfamiliar terms that many don’t understand. The internet has made it easy to shop from home for insurance. However, there’s no opportunity to speak with a…
Insurance companies provide clients with a variety of discounts, but people will typically have to ask about them. They’re not highly advertised, can be applied in a myriad of ways, and many homeowners don’t even know they exist. Be aware…
Most people don’t consider life insurance when they’re young and healthy or they decide to put it off until later in life. A term policy is the most common type selected and sought by older individuals, those with a chronic…
The best time to buy the insurance will depend largely on how much an individual wants to spend, how long they want to pay for the insurance, and their health. The need for long-term care strikes quickly and can be…
Purchased in addition to a primary policy, a supplemental accident policy helps individuals pay major medical expenses that the primary policy won’t cover. It’s a type of gap insurance. There are multiple situations in which the additional coverage is welcome,…
Some types of insurance policies have what’s known as a cash value component. Typically offered in permanent life insurance policies, they may also be available if you have a whole life or universal life insurance policy. You can take money…