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Insurers look at a variety of criteria to arrive at your insurance score, which determines your premium and even your insurability. One of these criteria is your credit score, which research shows is a good predictor of whether you will experience a loss. It’s important to note that, though your credit score plays a role … Read more
If you own a business and employ even a single person, you are at risk for an employment-related claim. Such suits devastate businesses. Without protection, your business assets, and possibly even your personal assets, are vulnerable. Learn about how an employment practice liability insurance (EPLI) policy can protect your company. Employment Practices Liability Insurance, commonly … Read more
Flooding may not seem like a huge risk in Arizona, but the desert’s rock-hard ground is no match for the torrential rains of summer monsoons. What’s more, the forest fires that strike every year decimate the trees, shrubbery, and other ground cover that help hold back floodwaters. These two realities combine to create the perfect … Read more
When it comes to insurance policies, there is no one-size-fits-all option. Every policy includes a variety of options, with the policyholder choosing the liability coverage types and limits according to his or her needs. The average Arizona auto policy includes liability, collision and comprehensive, underinsured/uninsured motorist, and personal injury protection. Of course, coverage amounts vary, … Read more
Along with the rise in identity theft, cybersecurity has taken the spotlight as a serious issue. High profile data breaches from recent years include health insurer Anthem, the dating website Ashley Madison, online marketplace eBay, banking giant JP Morgan Chase, and big box stores like Home Depot and Target. In addition to the data breaches … Read more
Auto insurers look at a variety of factors when determining your insurance rate, including the type of vehicle you drive, your credit history, and previous insurance claims. Traffic violations also enter into the equation, as these are part of the insured’s driving record. Insurers use actuarial tables to determine risk for every policy they write. … Read more
Choosing the right life insurance coverage often feels overwhelming. Not only does the average person prefer to not think about death, understanding how much coverage your family needs, as well as which type of insurance to buy, combines to make avoiding the topic altogether all too easy. Of course, ignoring an issue doesn’t make it … Read more
There are so many things to consider when choosing a health insurance plan that it’s no wonder clients often feel overwhelmed. If you don’t speak insurance-ese, you may not know where to begin. In reality, there are five key elements to any health insurance plan. Developing a basic understanding of each helps you determine which … Read more
Insurers look at a variety of metrics when determining your annual auto insurance premium. In addition to your driving record, geographical location, and credit rating, insurers also consider the type of vehicle you seek to insure. Why is this? What details about your vehicle does the insurer include in your quote? Insurers look at a … Read more
Workers’ compensation insurance is the rare commodity that protects and benefits both the employer and the employee. This insurance reimburses the employee for injuries sustained in the performance of his or her duties while protecting the employer against lawsuits for said injuries. A further benefit is that proving liability is not necessary. As long as … Read more
