Insurance Articles

Commercial insurance is insurance coverage that protects your business, your employees and you as the owner. It’s designed to protect various aspects of your business. The most common coverage companies carry are liability, property, crime, or commercial auto insurance. Most small businesses start with a business owners policy (BOP). Within a BOP there’s a combination […]

Supplemental life is coverage you can buy in addition to a term or whole life policy. Usually full-time employees are offered supplemental life coverage for free or for minimal cost by their employer. It could cover burial costs, accidental death, and dismemberment. How Does Supplemental Life Insurance Work? Supplemental life coverage alludes to any extra

To truly understand what hazard insurance is, let’s first look at what a hazard is a little closer.  Hazard; a source of danger (webster). Hazard and peril are often used when speaking about insurance. Peril is something that causes or can cause loss. Whereas a hazard is something that makes a loss more likely.  A

Did you recently get into an accident where you were at fault?  When you get into an accident and are considered the one at fault, more than likely your rates will go up. Although, insurance company to insurance company the options differ. Some companies offer accident forgiveness. Accident forgiveness will allow you ONE at fault

Full coverage car insurance covers your vehicle as well as the other person involved in the accident.

Changing auto insurance companies is a very simple process. But there are a few things you’ll want to keep in mind before doing so. Below we’ll show you how to change your car insurance correctly and hopefully helped you along in your journey to lower rates and better coverage. Check what’s out there First question

Doesn’t it seem like car insurance rates are high? I don’t know about you but personally I would like to know why?

Flood mapping (including flood insurance rate map, flood hazard map and historic flood map) is the procedure through which areas exposed to the risk of floods are chalked out on a map. Flood maps in U.S.A are maintained and updated by the “Federal Emergency Management Agency” (FEMA). Similar to other areas, Sacramento flood map is

Health insurance covers the medical, surgical and other health-related expenses. Health insurance can pay directly to care provider or reimburse the costs incurred from injury or illness to the insured person. It is tricky to choose the health insurance plan due to deductible, copays and plan rules. Health insurance in Sacramento, California is available through

Having insurance gives people a sense of security for both them and their loved ones. Whether it be health insurance, life insurance, or travel insurance, people want to know they have monetary security if something goes awry. In the days of the COVID-19 pandemic, people have many questions about the different forms of insurance. The