Standard property insurance covers physical damage and losses—furniture destroyed in a fire, a storm-damaged office building or stolen equipment. This coverage can help you pay the costs of rebuilding or replacing damaged property. But what about losses resulting from your business’s inability to operate because of property damage? For this type of loss, you’ll need business interruption insurance, also known as business income insurance.

A permanent life policy provides lifelong insurance protection. The policy pays a death benefit if you die tomorrow or if you live to be a hundred. You can lock in premiums when you purchase the policy. By purchasing a permanent policy, the premium will not increase as you age or if your health status changes. There is also a savings element that will grow on a tax-deferred basis and may become substantial over time.

Because having an accident isn’t a common occurrence, you might forget what you should and shouldn’t do if you’re in an accident. Here are actions you can take to help things go smoothly and facilitate the claims process.

Distracted driving has become a deadly epidemic. Cell phone use, including texting, talking, and social media, use are the most common distraction. However, other distractions including eating, drinking, applying makeup, adjusting the radio, or GPS can be equally dangerous. Don't drive distracted.

For many people, their home is their greatest asset, so it is crucial to avoid being underinsured. Ask your insurance professional these 4 key questions.

Have you ever said to yourself, "If someone else hits me then their insurance will pay." But, what if they don't have insurance or what if they have really low limits that doesn't cover the damage/injury they cause...

Forty percent of businesses do not reopen after a disaster and another 25 percent fail within one year. But by taking action in advance to prepare, businesses can increase their chance of getting back on their feet financially and keeping their doors open.

When making decisions about your insurance, it can be a balancing act deciding how much coverage to buy. When a claim occurs, few people would regret having spent a little more for the extra coverage that prevents a large out of pocket expenditure. Avoiding these common insurance mistakes will help ensure you have solid protection.

Whether you’re running a part-time, seasonal or full-time business from your home, you’ll want to carefully consider your risks and insurance needs. Starting a business—even at home—can be a challenging venture, and having the right insurance can provide a financial safety net and peace of mind.

Cyber security and the risk of a data breach are greater than ever. Yet, many businesses have fully considered the increased cyber security risk. With more employees working from home and other changes to business operations the risk has increased and requires more steps for prevention and protection.