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EINSURANCE.(com): EInsurance Journal Business Insurance Articles

Does Your Small Business Need Cyber Insurance?

When even big hitters like Experian are hacked, it makes the news. If a small business suffers a cyber attack we don’t necessarily hear about it, but it happens. Stolen data can cost a company a lot of money, no matter their size. A small bu...



POSTED MARCH 20, 2018
How to Handle Sexual Harassment in Your Small Business

With sexual harassment in the spotlight, the hope is that employees and the companies they work for will be more sensitive to the problem and behave accordingly. The recent attention given to the subject makes it more clear than ever that serious...



POSTED FEBRUARY 23, 2018
How to Hire the Right People for Your Small Business

When you’re trying to attract good employees for your small business, you may feel as if big employers have the advantage. After all, they usually pay more, offer the best benefits and demonstrate staying power more easily. But that doesn&rs...



POSTED JANUARY 22, 2018
8 Ways to Be a Better Boss

Hiring employees, managing the business, paying the bills, monitoring customer service, motivating the staff… The to-do list seems to go on forever. Running a business is not for the faint of heart, but there are some steps you can take to...



POSTED DECEMBER 21, 2017
Insurance Options for Your At-Home Business

If you work out of your home, there’s a good chance you need specific business insurance coverage. Even if you have homeowners or renters insurance, your policy may not do enough to meet your needs. Depending on the kind of business you have...



POSTED NOVEMBER 21, 2017
How to Create a Wellness Program for Your Small Business

Workplace wellness programs have been helpful for larger companies in efforts to boost morale and enhance productivity, but what about small businesses? Even if you don’t have the budget for expensive solutions like an at-work gym, there are...



POSTED OCTOBER 31, 2017
How to Reduce Your Costs for Workers Compensation

Chances are good your business is located in a state where Workers Compensation insurance is required. No matter how small your business is, and whether or not Workers Comp is required, coverage is good for you, your employees and your business....



POSTED SEPTEMBER 27, 2017
A Guide to Finding the Right Accounting Software for Your Small Business

Accounting software has simplified the accounting process for business and personal finances. Today, many software options are available, helping users avoid the one-size-fits-all dilemma. With a little bit of research you can find the accounting...



POSTED AUGUST 16, 2017
How to Keep Your Millennial Employees Happy at Work

A lot of generalizations have been made about millennials, considered anyone reaching young adulthood in the early 21st century. A lot of what is said about them isn’t particularly flattering: they’re privileged, entitled, spoiled and,...



POSTED JULY 20, 2017
Small Business? You’re at Risk for Employee Fraud

If you think your company is too small to worry about employee fraud, consider this: A small business with fewer than 100 employees had 28% higher losses from fraud than larger companies, according to a report by the Association of Certified Fraud...



POSTED JUNE 21, 2017

EINSURANCE.(com): EInsurance Journal Auto Insurance Articles

How to Clear Your Driving Record and Save On Insurance

A bad driving record comes with consequences, none of them good. One of the most well-known negatives is that, when a ding to your record your car insurance rates can go up. Fortunately, you may be able to do something about it. The Point Syst...



POSTED MARCH 20, 2018
Will Your Car Insurance Cover You Out of State?

As spring and summer head our way, you may be planning a cross-country drive. A common concern with drivers is whether or not their auto insurance policy will cover them if they are in an accident out-of-state. Unless you’re traveling to a f...



POSTED MARCH 20, 2018
Do You Need Non-Owner Car Insurance?

Don’t own a car? You might still need to own an auto insurance policy. Called non-owner auto insurance, this kind of coverage can be a good idea and, in some states and circumstances, even required. Non-owner car insurance is a unique po...



POSTED FEBRUARY 23, 2018
How Much Will Your Auto Insurance Rates Go Up After an Accident?

It’s common knowledge that if you’re in an auto accident and file a claim your insurance rates are likely to go up. Many people decide not to report minor damage in fear of seeing their rates skyrocket. According to one report, if...



POSTED FEBRUARY 23, 2018
8 Things You Should Do After a Car Accident

When you’re in a car accident, whether it’s minor fender-bender or a major collision, it’s very unsettling. You may be disoriented, not sure what to do next. The best way to be prepared for such a moment is to learn the steps tha...



POSTED JANUARY 22, 2018
Do Your Homework Before You Apply for Auto Loan

When you decide it’s time to buy that new car you’ve been wanting, unless you are in a position to pay cash you’ll need to get a loan. For a lot of people, that step in the process is last, but do yourself a favor and think about...



POSTED DECEMBER 21, 2017
When to File an Auto Insurance Claim and When It’s Smart Not To

Should you, or shouldn’t you? It’s common knowledge that whenever you file an auto insurance claim your premiums might go up. So should you or shouldn’t you file a claim? Whether you should or shouldn’t file depends. Wh...



POSTED DECEMBER 21, 2017
7 Costly Mistakes to Avoid When Renting a Car

When you rent a car, you have to make a lot of decisions. Should you purchase insurance for the rental? Which mileage plan does the company provide? Should you prepay for fuel? Making the wrong choices can be costly. Here are some mistakes to...



POSTED NOVEMBER 21, 2017
Can Your Auto Insurance Deductible Be Waived?

When you purchase car insurance your policy includes a deductible. You must pay the specified deductible amount before your insurance company pays for the remaining repair costs. In certain situations, the deductible can be waived. Here are so...



POSTED NOVEMBER 21, 2017
How Artificial Intelligence is Changing the Auto Insurance Industry

As with so many other sectors, artificial intelligence (AI) is tangibly changing the auto insurance industry. The goal is to improve customer service and safety, but also to save insurance providers and policy-holders money. One prediction is...



POSTED OCTOBER 31, 2017

EINSURANCE.(com): EInsurance Journal Specialty Insurance Articles

More cash back for California working families through the California Earned Income Tax Credit

Click here to download an interesting article titled: More cash back for California working families through the California Earned Income Tax Credit...



POSTED MARCH 04, 2016
How to Save on Motorcycle Insurance

Spring is here and warmer weather is on the way. If you’ve had your motorcycle in storage during winter, we hope you took advantage of insurance winter layaway discounts. it’s a good way to maintain essential
limited coverage and save...



POSTED MARCH 23, 2012
What Insurance Is Tax Deductible?

For many of us, 2011 was not the best of times economically. Adding insult to injury, taxes are due in a few weeks. Assuming you’re not Warren Buffett eager to give the government more, take advantage of every legitimate tax deduction you’v...



POSTED MARCH 09, 2012
Weird Things You Can Insure

People insure the strangest stuff. Often, in the case of celebrities taking out policies to protect their legs, voices and other assorted body part money-makers, it’s essentially a publicity stunt. You know, JLo insured her booty for a billion bu...



POSTED FEBRUARY 17, 2012
Should You Buy Travel Insurance?

Fortunately, few vacations turn out as badly as the Costa Concordia cruise, which capsized off the Tuscan shoreline recently. But plenty of things can and do go wrong every day for travelers and vacationers. Plans
change and trips get canceled. Pe...



POSTED JANUARY 25, 2012
Essential Insurance Terms You Need to Know, Part Two

We’re not saying that reading an insurance policy has the same degree of difficulty as an IRS Form 1040 or anything by Thomas Pynchon. But on the scratch-your-head-cuz-you-don’t-get-it scale of 1 to 10, it’s right
up there. But s...



POSTED JANUARY 19, 2012
We All Pay for Insurance Fraud

The Coalition Against Insurance Fraud has just released the 2011 inductees into its Insurance Hall of Shame. The Hall of Shame “annually dishonors the year’s most brazen, vicious or plain klutzy convicted insurance criminals.” While t...



POSTED JANUARY 18, 2012
Essential Insurance Terms You Need to Know, Part One

When it comes to insurance, what you don’t understand can be costly. The insurance industry is one of the most jargon-laden. See how you score on these 3 essential insurance terms. What you learn could help you save money when you shop for insura...



POSTED JANUARY 17, 2012
Don’t Let Holiday Identity Theft Ruin Your Insurance Score

You know you have a credit score, but did you know you have an insurance score, too? Or that bad credit can affect what you’re charged for various insurance products including car insurance, homeowners insurance and even health insurance? During...



POSTED NOVEMBER 28, 2011
Goodwill Parking

Holiday shopping season is about to kick off, bringing with it all the dubious joys of trying to find a parking space. Street parking, hard to find anytime, is now at a premium. Shopping mall lots aren’t much better.
Yet, no matter how crowd...



POSTED NOVEMBER 17, 2011

EINSURANCE.(com): EInsurance Journal Home Insurance Articles

What You Should Know About Earth Movement Coverage for Your Home

If you live in certain areas prone to natural disasters, or particular states, you may need to get extra coverage beyond your homeowners policy. But, be prepared: it gets complicated! Policy Exclusions For Earth Movement Home policies don&...



POSTED MARCH 20, 2018
7 Things Your Home Insurance Policy Probably Doesn't Cover

If you’re like many of us, you haven’t actually read your homeowners insurance policy. Do you know what your policy does and doesn’t cover? Should you ever need it, you might be surprised. Because, the truth is, many fairly commo...



POSTED FEBRUARY 23, 2018
5 Things to Know Before Buying Home Insurance

All lenders require you to purchase a homeowners insurance policy when you buy a home. That part’s simple enough to understand. But when you dig a little deeper into what home insurance is all about, it gets more complicated. Here are some t...



POSTED JANUARY 22, 2018
Tips for Preventing Theft During the Holidays

Going to be away from home during the holidays? Whether you’re going to a party, shopping or vacation, leaving your home for any length of time gives thieves an opportunity to break in. Take steps to keep your home and everything in it safe...



POSTED DECEMBER 21, 2017
9 Ways You Can Save Money on Homeowners Insurance

Homeowners insurance is one of those things you know you need, but you don’t know if you can afford great coverage. The good news is there are ways you can save without sacrificing the effectiveness of your policy. Here are some basic ways t...



POSTED NOVEMBER 21, 2017
Renters Insurance vs. Landlord Insurance: What They Do & Don’t Cover

There’s some confusion about the differences between renters insurance and landlord insurance, but the concept is straightforward: If you own the rental property, get landlord insurance, but if you renting the property from someone else, you...



POSTED OCTOBER 31, 2017
Does Your Home Insurance Cover Animal Damage?

So, does homeowners insurance cover animal damage to your home? The answer is: It’s complicated. There are a seemingly endless list of “ifs” and “buts” at first look, but overall there are guiding factors. Check y...



POSTED SEPTEMBER 27, 2017
How Homeowners Insurance Covers Firearms

Firearms and homeowners insurance have a complicated relationship. The issues related to the topic range from policy limits to criminal or non-criminal acts to individual state regulations. Firearms and Insurance Rates Many insurance compa...



POSTED JULY 20, 2017
Insuring Your Home in an HOA Community

Homeowners associations (HOAs) are common, and not just for condominiums and townhomes. Some single-family detached homes are located within an HOA neighborhood or community. When buying a new home, whether multi- or single-family, it’s impo...



POSTED JUNE 21, 2017
Does Your Airbnb Home Have Enough Insurance Coverage?

Home sharing service Airbnb now offers free Host Protection Insurance (HPI).  Although HPI covers up to $1M per incident, don’t expect it to be enough protection. The liability policy, like those offered by other vacation rental sites,...



POSTED MAY 17, 2017

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