Starting a business? You may be looking for a way to reduce the risk that your company takes on. Thankfully, there are several ways to do this with commercial insurance. If you have never shopped for commercial insurance before, here are 3 questions you may have about it.
Is It Required To Have Commercial Insurance?
It's possible that state laws require you to have certain types of commercial insurance, depending on what kind business you have.
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If you own a home, mobile home, or even an apartment, then you probably have some kind of homeowner's insurance. This insurance not only covers damage to your home, but also covers your liability in case someone from outside the household is injured while visiting. One facet of most homeowner's policy has to do with animals. Depending on your policy, damage and injuries caused by animals is probably mentioned at least once.
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When you're the owner-operator of a semi truck, commercial truck insurance can be a large monthly expense. It is important to find an insurance policy that protects you and your business financially, while also fitting within your operating budget. If you plan on purchasing a commercial trucking insurance policy in the near future, use the following tips.
Choose the Right Deductible
As an owner-operator of a semi-truck, it is important to select the right deductible amount when buying an insurance policy.
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Buying your first home is exciting, but you don't want to forget about all the expenses that come with it. Most likely, the amount you are spending on your living situation is going to increase when you buy a home for the first time, so it's important to keep all expenses in mind, including homeowners insurance. You are going to want homeowners insurance to protect you financially in the case of an emergency and it's probably even going to be required for you to have by your lender.
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If you were recently convicted of a DUI/DWI or another major traffic violation, then there's a good chance you'll need a SR-22 or FR-44 in order to get back on the road. If you're not sure about which one you'll need, the following explains the differences and similarities of the SR-22 and FR-44.
Both SR-22 and FR-44 Serve the Same Purpose
Both the SR-22 and FR-44 are considered "certificates of financial responsibility.
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