As disaster season peaks, a new national consumer survey commissioned by Trusted Choice; and the Independent Insurance Agents & Brokers of America (IIABA or the Big I), reveals that many homeowners lack adequate insurance coverage, do not fully understand their homeowners' policies and do not have enough savings to support their households in the event of a disaster.

Changes to building ordinances and laws can result in requirements to upgrade your building to new standards during reconstruction, which can result in extra expenses that may not be covered by a basic property insurance policy. Ordinance or law insurance can protect you.

Differentiating between an employee and an Independent Contractor can be complicated, but making an error can also be costly. Massachusetts Department of Unemployment Assistance clarifies the requirements of an Independent Contractor as outlined in the 3-Prong ‘A-B-C test.’