Life, Health & Benefits
Health care costs are high and getting higher. Who will pay your bills if you have a serious accident or a major illness? With health insurance, you protect yourself and your family in case you need medical care that has the potential to be very expensive.
Protecting the Future of Your Business
As an owner or manager, you need to be certain that you are properly covered for losses you may experience in the event that the physical assets of your business — your building and its contents, including owned or leased equipment, and outdoor fixtures, such as fences and signs — are damaged or destroyed.
Without appropriate commercial property insurance coverage, you could be putting the future of your business at risk.
What’s typically covered
Commercial property insurance coverage may include losses resulting from weather-related events, building collapse, explosion, civil commotion, equipment breakdown, or damage caused by vehicles, vessels, aircraft and vandalism.
The amount of coverage you will need depends on factors such as the type of property and its location.
There are several different types of individual health insurance. You can get fee-for-service, HMO or PPO plans, but you should know the differences and coverage limitations before making any purchase decision.
Policies differ widely in coverage and cost. Your agent will shop various policies to find the best one for you. He will make sure the policy protects you from large medical costs and does not contain any hidden exclusions or stipulations that you do not understand at the outset.
If your family includes just two adults, it is sometimes less expensive for each of you to have individual coverage than for just one of you to have a family plan. If you have children, or if you might have children soon, you need a family plan. Because situations change, it is important to review your health insurance regularly with your agent.
Cost is not the only consideration when buying health insurance. It is difficult to determine exactly what you will spend per year on health care. You do not know whether you will be sick 6 months from now and need an operation. You also need to consider the benefits of each policy – compare plans carefully for both cost and coverage with your agent
Top 5 Small Business Property Insurance Claims, by percentage
- Burglary and Theft 20%
- Water and Freezing Damage 15%
- Fire 10%
- Customer Slip and Fall 10%
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