5 Questions Buyers Should Ask Their Home Inspector

A female home inspector writing notes on a home inspection report standing beside a boarded wall and a hot and cold water nozzle.New or not, a buyer should always hire a home inspector to inspect their latest investment. Shady contractors have been known to cut corners to save a buck, and since many homes come pre-owned, the level of maintenance can vary greatly from house to house. With a home being one of the most expensive investments you can make, you want to be sure you know the true condition of a house, and a home inspector is available to provide that information to you. However, to make certain all information is provided, here are some questions buyers should ask their home inspector. [Read more…]

The Pros and Cons of Leasing a Vehicle

Two red cars and a white car lined front to back that are available for lease on a dealership floor room.Deciding to lease or buy a car can be a difficult decision, especially given the inflation of vehicle prices. Given these hefty price tags, it might be tempting to lease a car, as you’re likely to have a lower monthly payment. Although, with purchasing a car, you have the comfort of knowing that at the end of your loan payments, you’ll own your vehicle. That’s why it’s important to consider whether leasing is the right choice for you, and we’re here to help you by covering some of the pros and cons of leasing a vehicle. [Read more…]

3 Must-Have Insurance Policies for Retail Businesses

The interior of a retail store selling various decor, including vases, towels, and mirrors.Many people dream of one day owning a store, and for those who’ve succeeded in this endeavor, it’s become a way of life. With this new business venture, these store owners need to invest in ways to safeguard all they’ve accomplished. Investing in protections that can guard you against the devastating financial impacts of situations like injuries to employees or guests, property damage, lawsuits, or sudden loss of business income is vital to ensuring that your livelihood remains intact. Let’s look at some must-have insurance policies for retail businesses. [Read more…]

Business Insurance: Additional Insured vs. Loss Payee

A janitor cleaning a business' tiled floors with a floor-washing machine, meant to despite someone who is an additional insured.When you’re searching for a new policy for your small business, it can be difficult to wrap your head around all the insurance jargon and terminology. One common area of confusion arises from the terms “additional insured” vs. “loss payee.” At first glance, it can seem these two are the same because you can add both entities to your business insurance and grant them the right to benefits. However, beyond this broad similarity, they’re actually quite different. Let’s discuss the difference between additional insured vs. loss payee and their accompanying rights. [Read more…]

Be Mindful of These 3 Unsafe Boating Conditions

A moderate-sized fishing boat tied to a concrete dock.Spring is upon us, which is the perfect time to prepare your boat for the warm seasons ahead. While de-winterizing your boat may be top of mind, there are some other safety considerations that you should brush up on before docking your vessel. Three avoidable – but often unconsidered – causes of serious injury while boating includes electrocution, carbon monoxide poisoning, and injuries caused by propellors. Let’s review these unsafe boating conditions and how you can properly prepare and equip yourself to deal with them. [Read more…]

How the Chip Shortage and Supply Chain are Affecting Auto Policies

A close of the semiconductor computer chip used in vehicles.Early in the pandemic, car manufacturers and other technological industries severely cut back on their computer chip orders, fearing a global recession. In response to these actions, semiconductor manufacturers reduced chip production, which has led to an increase in demand. We’ve all witnessed the effects this has had on the automotive industry, such as skyrocketing vehicle prices and vehicle shortages. This shortage, combined with the woes incurred by the global supply chain, is having an impact on insurance. Let’s review how the chip shortage and supply chain are affecting auto policies. [Read more…]