When Does Auto Insurance Take Effect?
When Does Auto Insurance Take Effect? Picture this. You just found the car you want. The dealer is printing papers. Someone asks, “Do you have auto insurance?” You say, “I am buying it right now.” Then the big question pops into your head: When does my auto insurance actually take effect? Is it the […]
When Do You Need Workers Compensation Insurance?
When Do You Need Workers Compensation Insurance? If you are starting or growing a business, it is very easy to overlook one simple but important question: “At what point do I have to get workers compensation insurance?” Some owners wait until they have a whole team. Others think they can skip it because they […]
What Is Business Owners Insurance?
What Is Business Owners Insurance? If you run a small or mid sized business, you already know there is a lot that can go wrong. A customer slips and gets hurt. A pipe bursts and ruins your office. A fire shuts you down for months. A lawsuit shows up when you least expect it. […]
What Happens When Auto Insurance Denies A Claim?
What Happens When Auto Insurance Denies A Claim? You pay your premiums, you drive carefully, and you expect that if something goes wrong, your insurance will step in. Then the letter arrives. Or you get a call. “Your auto insurance claim has been denied.” It feels like the floor drops out a little. You […]
How Much Does Workers Compensation Insurance Cost?
How Much Does Workers Compensation Insurance Cost? If you have employees, you already know you need to protect them. At some point, usually right after you hire your first person, this question pops into your head: “How much does workers compensation insurance actually cost?” You might search around and see a few numbers that […]
How Much Does Business Owners Policy Insurance Cost?
How Much Does Business Owners Policy Insurance Cost? If you own a small or mid sized business, you probably ask yourself the same question everyone else does: “How much is this going to cost me every month?” You know you need insurance. Your landlord asks for proof. Clients want certificates. You have equipment, inventory […]
How Much Commercial Property Insurance Do I Need?
How Much Commercial Property Insurance Do I Need? If you own a building, lease space to tenants, or run a business with equipment and inventory, you have probably wondered: “How much commercial property insurance do I actually need?” You might already have a policy, but the limit on the page often feels like a […]
How Is Workers Compensation Insurance Calculated?
How Is Workers Compensation Insurance Calculated? If you own a business and you get your workers compensation quote, you might stare at the number and think: “Where did this come from?” You see your total premium, maybe a few codes and a factor or two, and that is it. It can feel like a […]
How Home Insurance Is Calculated?
How Home Insurance Is Calculated? You get a quote for home insurance and think, “Why is it this number? How did they come up with it?” It feels like the company pulled a price out of a hat. In reality, there is a method behind it – a mix of math, risk, and your […]
How Does Commercial Property Insurance Work?
How does Commercial Property Insurance Work? If you own a building, rent an office, run a shop or store inventory anywhere, one simple question hangs over everything you do: “If something happens to this place, how do I recover?” That is exactly where commercial property insurance comes in. For clients of Savon Insurance Brokerage and […]