How Your Credit Score Affects Your Insurance Costs

With the recession of the past few years, many individuals’ credit scores have taken a hit. In addition to affecting your ability to get a mortgage, loan or credit card, your credit score can also affect how much you’ll pay for your insurance. Continue reading “How Your Credit Score Affects Your Insurance Costs”

Protecting Your Family from Dog Bite Liability

The Insurance Information Institute (III) reported that dog bite claims cost an average of $24,461 in 2008 (the most recent figures available). If you own one or more dogs, do you have the insurance coverage to protect you from dog bite liability? Continue reading “Protecting Your Family from Dog Bite Liability”

Life Insurance: Why Group Benefits Aren’t Enough

According to the Bureau of Labor Statistics, 72 percent of all full-time employees in private industry had access to life insurance through their employer. Group life has its pluses, but most families will need additional coverage. Here’s why. Continue reading “Life Insurance: Why Group Benefits Aren’t Enough”

E-Cigarettes and Your Health

Electronic cigarettes, or e-cigarettes, are growing in popularity. How will they affect your health…and your insurance coverages?

Tobacco vs. E-Cigarettes

Cigarette smoke contains more than 4,700 chemical compounds, Continue reading “E-Cigarettes and Your Health”

Protect Yourself from Carbon Monoxide Poisoning

Carbon monoxide poisoning causes an estimated 15,200 people to visit an emergency room or miss at least one day of work per year. But because carbon monoxide exposure creates nonspecific effects that are easily misdiagnosed, the actual toll of carbon monoxide poisoning is probably much higher. Continue reading “Protect Yourself from Carbon Monoxide Poisoning”

Auto Insurance: How to Know What You Are Buying

Personal risk management includes knowing your policies and what they cover. The following article will help you understand the various parts of your personal auto policy (PAP) and what to look for.

When you buy auto insurance, you enter into a legal contract with your insurer. Continue reading “Auto Insurance: How to Know What You Are Buying”

Bullying: Another Form of Workplace Violence

A bully in your workplace can affect morale, increasing stress levels for fellow employees—and possibly increasing your workers’ compensation costs. Continue reading “Bullying: Another Form of Workplace Violence”

Pet Insurance: Coverage for Our Four Legged Family Members

Many studies have shown the positive benefits of having pets. You  would likely agree. If you’re like most Americans, 39 percent have at least one dog and 33 percent have at least one cat. And many Americans consider their pets as family members. Continue reading “Pet Insurance: Coverage for Our Four Legged Family Members”