Smart Insurance Agents

SEPTEMBER 17, 2024

Most insurance providers classify OB-GYNs as specialists, which can influence your coverage and out-of-pocket costs. Insurance companies categorize OB-GYN services differently from primary care, leading to higher reimbursement rates, co-pays, and potential out-of-pocket costs for patients visiting specialists.

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Protect Commercial Insurance

NOVEMBER 1, 2024

Let’s dive in and find out what each offers! Let’s delve into what landlord insurance offers and why it might be the right choice for you as a property owner renting out one or more homes. It’s crucial because it ensures you won’t have to bear the financial burden of significant repairs out of pocket.

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Jackson & Jackson

APRIL 10, 2024

It protects you from claims arising from accidents or injuries on your property. Ensure that your property is accurately assessed to avoid being underinsured, which can lead to significant out-of-pocket expenses, or overinsured, which can unnecessarily increase your premiums.

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Commercial Property Commercial Business Interruption Out-Of-Pocket Expense 52

Triple-I: Homeowners Insurance

DECEMBER 3, 2024

With her reference to “investors,” Rangaswami took aim at a little-known, rapidly growing practice called third-party litigation funding (TPLF), in which investors with no stake beyond potential profit step in to fund lawsuits against corporate entities perceived as having deep pockets. Clear communication is key, the participants agreed.

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Cover4LetProperty

JUNE 1, 2025

Whether you joined the ranks of buy to let landlords with the specific aim of making a more or less full-time business of it, or whether you found yourself with a suitable property on your hands and became an accidental landlord, you are almost certain to have considered the importance of landlords insurance.

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TGS

OCTOBER 3, 2023

If you suffer from losses or damages beyond those limits, you will be responsible for paying the rest out of pocket. Deductibles In the event of a worst-case scenario, your deductible is the amount you’ll be obligated to pay out-of-pocket before your insurance will step in to foot the rest of the bill. Policy Number 3.

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Bankers Insurance

MAY 16, 2024

Sustained losses inflicted by natural disasters spurred some insurance companies to pull out of the homeowners insurance market in high-risk areas, such as California and Florida, leaving residents with fewer options and higher prices. WHAT HAPPENED IN 2023? The inflation spike during 2022 reverberated throughout the U.S. billion each.

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Protect Commercial Insurance

NOVEMBER 8, 2024

It provides protection against a plethora of risks, including property damage, liability claims, theft, and even employee injuries. – Liability Insurance: Covers your business in case of lawsuits due to injuries or damages caused as a result of business operations. The good news? You can cut costs without sacrificing coverage.

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TGS

SEPTEMBER 6, 2023

Some carriers impose a 5% construction deductible, which means extra money out of your pocket for something that would’ve been covered with advance notice. In order to make sure you have the right continuous coverage, always consult your insurance agent! What Will a Standard Home Insurance Policy Cover During Renovations?

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Protect Commercial Insurance

JULY 26, 2024

It provides coverage for third-party bodily injury or property damage claims that may arise from accidents on your premises or as a result of your products or services. A higher deductible can lower your premium but also means you’ll have to pay more out of pocket in the event of a claim.

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Smart Insurance Agents

OCTOBER 15, 2024

Here’s what you need to know about potential penalties, changing regulations, and ways to stay covered. Key Takeaways Penalties for lapses in health insurance coverage still exist in some states, despite the federal repeal of the individual mandate penalty in 2019. The penalties aimed to encourage continuous health coverage.

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Jackson & Jackson

MAY 22, 2024

Additionally, it can provide coverage for business interruption, tenant improvements, and liability claims arising from third-party injuries or property damage on the premises. In the event of a loss, property owners with insufficient insurance may face significant out-of-pocket expenses or, in some cases, the loss of the property altogether.

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Freeway Insurance

JANUARY 4, 2024

A low deductible health plan means the policyholder will pay less upfront and out of pocket for certain healthcare items, such as surgery. You’re shopping for health insurance with the goal of getting the best coverage you can afford. Your life doesn’t include too many risky behaviors and you consider yourself relatively healthy.

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Wren Insurance Agency

AUGUST 14, 2024

If you've ever worked with Wren Insurance Agency to secure auto insurance, you may have noticed that we quote bodily injury liability starting at $100,000 per person and $300,000 per accident (also known as "100/300 coverage"), while Florida only requires $10,000/$20,000 for this coverage. Knowing this, we start quoting at 100/300.

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Bankers Insurance

JULY 8, 2024

Basic coverage usually includes reimbursement for trip cancellation, interruption and delay because of illness, bad weather, baggage loss or delay, medical insurance and medical evacuation (in case of illness or injury during travel) and a 24-hour assistance telephone line. For example, insurance for a $2,000 trip may cost $80 to $160.

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LexisNexis

SEPTEMBER 9, 2024

The court agreed that the fact that the inspector was not traveling at the time of his injury was not controlling. His injuries, even on the employer’s premises were, therefore, compensable. NY Court of Appeals Says Hospital Shooting Arose Out of Employment. Illinois Workers’ Comp. Comm’n , 2024 IL App (1st) 230609WC, 2024 Ill.

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Distinguished

JUNE 2, 2025

Under Ohio premises liability law , property owners are frequently held liable for injuries sustained on their properties, making liability coverage crucial. A tenant who slips on an unshoveled walkway. For Ohio landlords, these arent one-off anomalies theyre routine claims that happen across Cleveland, Columbus, and Cincinnati every year.

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Protect Commercial Insurance

MAY 23, 2025

Obtaining coverage ensures that if theyre damaged, you wont have to pay for repairs entirely out-of-pocket. Consider scenarios such as an employee developing repetitive strain injury from constant use of tools or an accident occurring in the stockroom. That’s where retail shop and salon insurance comes in.

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Word & Brown

JANUARY 23, 2025

Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills). That represented about 15-17% of the nations population. While that sounds like a substantial number, it actually was down from 43.9 had risen to 48.2

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