In most states, workers’ compensation insurance is required for businesses with employees. Carrying this insurance does more than just satisfy state regulations, it can help with the stability of your…
Livestock Gross Margin-Dairy, often called LGM-Dairy or Milk Insurance, is an insurance product developed to protect against unexpected negative swings in either Chicago Board price of milk or price of…
If you’re a farmer, or aspiring to be one, there are many facets of agriculture to consider. Rainy seasons, cross-germination, plot preparation, and more; these pieces will all come together…
Horse and carriage rides are a picturesque, classic mode of transportation that attract romantics worldwide. They evoke feelings of simplicity and tranquility in sharp contrast with their surroundings. Carriage rides…
In many states, vehicle owners who purchase car insurance may have the option of purchasing a split limit auto policy or a combined single limit auto policy. Both of these…
Sometimes it is hard to understand how insurance premiums work. How the company decides the premium for the exposure they assume through the contractual transfer of risk is complex. Personal Lines policies, such…
If you have an automobile you’ve probably have had to undergo the process of buying insurance. Different coverage options can become confusing. Knowing how much insurance to buy can be…
Most people understand that a personal or commercial auto policy can provide coverage for damage to your automobile. Many, however, might not be aware that you must elect to purchase…
When your business grows to the point where you can’t manage all its aspects by yourself, employees come into the picture and may present opportunities and challenges, alike. Employees can…
I suppose that there are few people that have not heard about or bought product from a home-based business. The question came up in the office about how the standard…
Insurance is a complicated product. Whether you need a homeowners policy or a commercial package, there may be policy endorsements or additional coverages and policies that are needed to adequately cover…
Someone once said to me a certain insurance company would only insure “pig iron, underwater, for fire”. It might seem like an odd saying, but the gist is that the…
