If you own your own business or are a partner in one, you're probably already familiar with risk. After all, few things in life are riskier than launching and running your own small business. Part of the risk of any small business is the loss of critical tools and property or liability to others—either of which can cause loss of income or even force you to close your doors.
Large companies employ full-time risk managers to keep their risk-taking to a minimum. But chances are that as a small-business operator, you are your company's risk manager, along with its personnel director, office manager and possibly the entire staff all rolled into one.
While juggling all the jobs that need to get done to make your firm profitable operation, you may already be asking yourself, "Who has time to think about insurance?" You do! Keeping risks and losses to a minimum is a cornerstone of business success, especially for small businesses. Take a few minutes now to check your risk factors, find out your insurance needs and learn the many options available to you by reading The Consumer's Guide to Small Business Insurance.
Whether you are a first-time home buyer, a veteran of many years of mortgage payments and house upkeep, a condo owner or an apartment dweller, your household is one of some 90 million in the United States. Chances are your home is your single most expensive budget item and—for the home or condo owner—your most valuable investment. Homeowners insurance is a package policy that covers both property—structures and personal possessions—and liability. But do you understand what's covered?
Because it is comprehensive, your homeowners insurance policy may include coverage you are not even aware of. If your luggage is stolen from a motel room while you are a thousand miles away from home, for example, youwill of course want to notify the police. You will also want to check with your insurance agent about coverage for loss under your homeowners policy. And if your house burns down leaving you without a place to stay, your policy provides living expenses as well as reimbursement for damaged property.
Moriarty insurance Group professional can explain your policy in detail. More than any other line of coverage, homeowners insurance is substantially standardized throughout the United States. The questions and answers in The Consumer's Guide to Homeowners Insurance are based on the most commonly purchased homeowners insurance policy (called HO3 in the industry) offering the widest protection. Get started with this guide by learning the key areas of coverage as well as any exclusions or limits that might apply.
If you’re young and in good health, you probably have never thought much about life insurance. But have you ever considered what financial obligations might still exist if you died? In addition to funeral costs and current bills, what about family living expenses, mortgage payments, long-term debt and college costs? The primary purpose of life insurance is to provide resources for all of these expenses.\
In a health care environment that is constantly shifting, are you unsure what kind of health insurance might be right for you? If you are unable to work due to sickness or injury, health insurance is designed to cover treatment costs, as well as provide an ongoing income during the period you are ill. And if your injury or illness is more long-term, disability insurance helps supplement your lost income.
The Consumer's Guide to Life and Health Insurance can help you determine how to to find the right policies for you. you haven't recently reviewed your family's health, life and disability coverage now is the time to do so. Talk to your Moriarty insurance Group professional about your specific needs for life, health and disability insurance.
Moriarty insurance Group professionals want to make it easier for you to understand your insurance needs and the many options available to you. Learn more about auto insurance, including the different types of policies, how carriers determine rates, what is covered and more in The Consumer's Guide to Auto Insurance.
Today, a motor vehicle accident occurs every second. Auto accidents cause an injury every 14 seconds. And every 13 minutes a car accident results in a fatality. More than 31 million accidents occur annually at a cost of more than $100 billion. Theft and vandalism are other major perils— a vehicle is stolen every 20 seconds.
With more than 150 million drivers and registered vehicles on the road, auto insurance is the most widely purchased of all property-casualty insurance, yet few drivers are familiar with the details of their particular policy.