Owning a construction business requires having contractor insurance. It doesn’t matter if you work alone or if you have employees, it is mandated by law that you have contractor insurance. What you have to know, however, is that you don’t need to overpay for your insurance coverage. Fortunately, all construction professionals have the ability to lower the costs of contractor insurance policies no matter what size of business you have. Here are some tips.

Having a teenager driver around the house can be nerve-wracking for parents or guardians. According to surveys, teenage drivers are more prone to get into accidents compared to their adult counterparts. This is why car insurance is important, however, you can also make sure that your child is protected through insurance coverage.

Most fathers find themselves in a situation where they need to warn their kids not to do something only to find their advice came a little too late. You probably don’t always think about it, but ensuring your child’s safety goes hand in hand with being a dad. Here are some of the tips that helped young fathers transition from being a bachelor to being a dad.

When there’s a wildfire, they tend to spread rapidly and they don’t differentiate between the things they destroy in their path. Once your house and possessions are consumed in a fire, it’s too late to consider getting fire insurance.

​There is a lot of research that shows that healthy people can be more productive at work. According to the CDC, employees who have a healthy weight will only be absent for a few days. They also have lower absenteeism rates compared to those who are obese or overweight.

Of course your car needs a battery for it to run, but do you know how to maintain it?
 
The battery produces electrical energy used to ignite the engine and start the motor. Minor car problems are often due to battery problems. These happen because owners don’t know how to maintain or recognize such issues.
​

When an entrepreneur starts a business, he usually exposes himself to a lot of risks. Even before he hires his first employee, the business is already at risk. It is important that you have the right insurance in place for this. A catastrophic event or lawsuit can wipe out any small business before it gets off the ground.
 
Luckily, a business now has access to a lot of insurance types so that they will have protection against these dangers. Here are the types of insurance that a business should have in place as soon as they can.
​

I've been thinking about the truth lately.  For some reason people lie to me a lot.  They may not do so intentially or becuase they dont like me....I am an insurance agent.  

"I don't need to tell my agent that I have a 16 year old driver, my rates will go up"  This is probably the most common lie, or ommission,  that I encounter.  Yes, your rates will go up but let me tell you why you must disclosure this driver (or any driver of your auto).  Our auto product is the state of Michigan is based on a multitude of factors.  The most basic being the type of car you drive, your age and your driving record.  Each of these factors are plugged into a formula to give you a rate.  But when those factors are missing, that rate is not accurate.  That rate cannot support the claims we encounter.  That rate is just numbers.  So what happens with a claim?  If that driver is not disclosed your claim can be denied.  No, this isn't a scare tactic, I've seen it happen.  Claims are denied for "ommissions" every day.  Do you want to pay that rate to NOT get coverage?

What about on your home?  The same ommissions can happen here too.  The most common I see is that the home is not insured for the actual use.  In other words; you have a homeowners policy when in actuallity you rent it out.  That needs to have a different policy.  You are literally throwing your money away.  

So I urge you;  talk to a professional about your exposures.  Even if that may cost you more money.  We pay for insurance to have coverage, right?  So why jeopardize that with an "ommission". ​