Insurance for Home Based Businesses

Having insurance for a home based business is of utmost importance when staring out. A variety of issues can arise when beginning a home based business, and insurance will be the protection that could save the business. There are many types of insurance that can be taken out. Not all types are needed, but the business may need more than one type. Health insurance will need to be obtained to cover the medical costs for not only the owner of the home based business, but the employees. Disability insurance can also be obtained in case of injury...

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Christmas Tree Safety

The Christmas holidays are a magical time of year for kids of all ages! Whether you have a live tree or an artificial tree, however, there are some precautions you need to take to keep the magic from turning into mayhem! Follow these tips from the American Academy of Pediatrics and the U.S. Consumer Product Safety Commission. When purchasing an artificial tree, look for the label “Fire Resistant.” Although this label does not mean the tree won’t catch fire, it does indicate the tree will resist burning and should extinguish...

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Long-term Care Insurance

You’ve invested.  You’ve bought life insurance policies.  You’ve planned for your retirement.  Are you sure you’re prepared for the “golden years” of being a senior citizen? About 50% of Americans will experience a stroke, Alzheimer’s disease, Parkinson’s disease, elder frailty, or some other debilitating disease or form of physical limitation that will necessitate an assisted living situation or nursing home situation.  Long-term care costs are currently averaging about $75,000 per person...

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Dog Bite Liability

Are you a dog owner?  If so, do you know your coverage in case of a dog bite? Dogs are territorial animals and even the sweetest dog might come up with a good reason for deciding to take a bite out of a visitor, neighbor, or even a burglar.  If your dog causes injury, damage, or loss, YOU are liable!  Even if Cujo is doing his job and keeping you safe, a thief could still take you to court over his medical bills — and win!  Here’s what you need to know to make sure you’re covered in these types of events. Most...

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Halloween Safety

Halloween is fast approaching and with it comes one of the most anticipated traditions of the year — trick-or-treating!  In order to insure that all your little ghouls and goblins stay safe and have fun this year, here are some important safety tips: Allow your child to trick-or-treat during the hours of 3 and 9 p.m. only.  7 p.m. is even better. Make sure your child is accompanied by an adult during trick-or-treating. Provide a flashlight to children who will be trick-or-treating after dark. Add reflective tape or reflectors to...

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Wildfire Precautions

During these days when we hear so much about wildfires in the west and midwest, it is essential to give thought to preparedness even if you do not live in an area that is currently threatened. Questions you may want to ask yourself include: Do I have enough insurance coverage? Does my coverage include this type of disaster? Am I ready to evacuate in just a few hours? Are things that I would want to take with me readily accessible? Does my family have a communication plan if one of us has to evacuate? If you have family or friends who live in...

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