What is the Business Owners Policy (BOP) meaning? A BOP is an essential piece of coverage for anyone who owns their own business. This coverage protects small and medium-sized business owners from property damage, general liability, loss of wages, and more.  Learn everything you need to know about business owners' insurance policies, [...]

Indemnity insurance provides coverage to losses and damages incurred by professionals and businesses. Some professions are legally required to have this type of coverage, such as attorneys, medical practitioners, and more. It is most prevalent in cases claiming your practice or business at fault.  Learn about how indemnity insurance works and whether [...]

Commercial insurance comes in several forms and serves to cover losses associated with your business activity. It protects the leadership of a business, as well as a business's employees from incurring losses as a result of a workplace accident. And, it can make the difference between staying in business through unforeseen hardships, [...]

Variable life insurance is a type of permanent life insurance that offers policyholders a cash value portion of the account. Unlike other permanent life policies, a variable life policy comes with significantly more risk, while presenting the opportunity for more reward. These policies give you the most control over how aggressively you [...]

Cash value life insurance provides investment opportunities to earn interest over the policy's lifetime. This type of life insurance policy features a separate partition that acts as a savings account, called the cash value. And, these life insurance policies let the holder access the interest on the cash value.  Learn everything you [...]

Most businesses have cyber security insurance of some sort, but what does that mean? Cyber policies span a wide range, and the coverage you receive can vary just as widely. So – does your business need this type of insurance and what does it cover? Learn everything you need to know about [...]

In the face of recent world events surrounding the COVID-19 pandemic, there is a new interest in life insurance for children. Generally, children have little need for a life insurance policy, except for in special circumstances. So when does it make sense to get life insurance coverage for your child, and are [...]

For anyone who does not receive healthcare coverage through an employer, it’s up to you to find self employed health insurance. Health insurance for self employed individuals is available through the Federal government as well as private insurers. And, being your own boss comes with some tax perks when it comes to [...]

Supplemental life insurance is additional coverage that usually is purchased atop an existing policy. If your employer provides your basic life insurance policy, supplemental can be used to cover a spouse or dependent. Whether through your employer or a private insurer, it is important to understand what this type of insurance is, [...]

Permanent life insurance is – put simply – a way to combine a death benefit with an interest-bearing savings account. It is permanent because the policy does not have any expiration. But, different types of permanent life insurance offer different benefits and drawbacks.  Learn everything you need to know about whole and [...]