Insurance Articles

Here are 10 important facts about commercial auto insurance that business owners should know:  1. Covers Business-Related Vehicle Use    – Scope: Commercial auto insurance covers vehicles used for business purposes, such as transporting goods, carrying passengers, or traveling between job sites. Personal auto insurance typically does not cover these activities.  2. Required by Law […]

Here are 10 reasons why Eugene C Yates Insurance Agency could be considered the best place to get homeowners insurance:  1. Independent Broker Advantage    – Access to Multiple Carriers: As an independent broker, Eugene C Yates Insurance Agency can shop around and compare homeowners insurance policies from multiple insurance carriers, ensuring you get the

Here are 10 reasons why restaurant insurance is crucial for protecting your business:  1. Protects Against Liability Claims    – Customer Incidents: Restaurant insurance provides coverage for liability claims arising from accidents on your premises, such as slips, falls, or food-related illnesses, protecting you from costly lawsuits and legal fees.  2. Covers Property Damage   

Risk management for business insurance involves identifying, assessing, and mitigating potential risks that could impact your business. Effective risk management helps reduce the likelihood of losses and ensures that you have the appropriate insurance coverage to protect your business. Here’s a guide to managing risk effectively:  1. Identify Potential Risks    – Physical Risks: Assess

Risk management for auto insurance involves identifying, assessing, and minimizing the risks associated with operating vehicles, both for personal and business use. This approach helps reduce the likelihood of accidents, lowers insurance costs, and ensures you have adequate coverage. Here’s how to manage risk effectively for auto insurance:  1. Identify Potential Auto-Related Risks    –

Risk management for home insurance involves identifying, assessing, and mitigating potential risks to your home and its contents to minimize the likelihood of damage or loss and ensure you have adequate insurance coverage. Here’s a comprehensive approach to managing risk for home insurance:  1. Identify Potential Home-Related Risks    – Natural Disasters: Risks include floods,

When considering home insurance in California, there are several important factors to be aware of due to the state’s unique risks, regulations, and market conditions. Here are key things to know about California home insurance:  1. High Risk of Natural Disasters    – Wildfires: California is prone to wildfires, especially in certain regions like the

Every restaurant should have the following standard types of insurance to protect against various risks and liabilities: 1. General Liability Insurance: Covers accidents that occur on your premises, such as slips and falls, and provides protection against claims of bodily injury, property damage, and personal injury. 2. Property Insurance: Protects the physical assets of your

Here are ten reasons why business owners should carry cyber insurance: 1. Protection Against Data Breaches: Cyber insurance helps cover the costs associated with data breaches, including notification, legal fees, and credit monitoring for affected customers. This is crucial as data breaches can be costly and damage a business’s reputation. 2. Business Interruption Coverage: If

Keeping your home insurance premiums low while ensuring adequate coverage requires a strategic approach. Here are some key factors to consider:  1. Increase Your Deductible    – Higher Deductibles, Lower Premiums: Opting for a higher deductible means you’ll pay more out of pocket in the event of a claim, but your monthly premiums will be