Private Flood Insurance vs NFIP

Return To: Flood Insurance – The Ultimate Guide Being in a flood zone isn’t the only reason to get flood insurance. You might even need it. In the United States, the Federal Emergency Management Agency (FEMA) classifies flood areas according to risk. About a fifth of all flood insurance claims do not come from high-risk […]

What Does Flood Insurance Cover?

Return To: Flood Insurance – The Ultimate Guide In November 2020, tropical storm Eta caused some of the worst and deadliest floodings in North Carolina since 1995.  You may be thinking that there’s no way to prepare for floods because of their highly unpredictable nature, but the opposite is true. One of the options you […]

Am I In A Flood Zone?

Return To: Flood Insurance – The Ultimate Guide “Am I In A Flood Zone?” This is a question we hear quite often. This article should help shed some light on the topic. In case you were wondering what the answer actually is… EVERYONE is in Flood Zone, so let’s learn a little more about FEMA […]

Cyber Liability Insurance Claims

Return To: Cyber Insurance – The Ultimate Guide Your company faces risks of cybercrimes, no matter how small. There are many cyber crimes that your company may fall victim to, which don’t always involve losing a computer. You need financial protection to ensure your customers’ and your safety when cybercriminals attempt to infiltrate your systems. […]

What Is Full Coverage Auto Insurance?

Return To: Auto Insurance – The Ultimate Guide Full coverage auto insurance is the financial protection you need to pay for your car. When you get into accidents that injure other drivers or damage people’s properties, you need financial assistance to cover the expenses. This type of auto insurance combines individual liability policies with comprehensive […]

FEMA Risk Rating 2.0

Return To: Flood Insurance – The Ultimate Guide The Federal Emergency Management Agency (FEMA) declared that it is using a new risk rating system to reform the pricing scheme of the National Flood Insurance Program (NFIP). FEMA reports that this system, being called “Risk Rating 2.0,” will provide more information and adjustments regarding flood risk. […]

What Does Cyber Insurance Cover?

Return To: Cyber Insurance – The Ultimate Guide Virtually all businesses today face risks from managing data and using technology for their daily operations. Some examples of cyber risks include disruption or failure or computer systems, data breaches, intellectual property theft, identity theft, and other forms of cybercrimes.  In the past decade, data breaches have […]

The Best Cyber Insurance Companies?

Return To: Cyber Insurance – The Ultimate Guide The National Association of Insurance Commissioners (NAIC) issued a report on cybersecurity insurance coverage in 2019. This Cyber Security Supplement report highlights the market growth that occurs as a result of companies getting comprehensive cyber insurance plans. Cybersecurity thus becomes necessary for any business (especially small businesses) […]

What Is Commercial Auto Insurance?

what is commercial auto insurance

What Is Commercial Auto Insurance Commercial auto insurance is specialized coverage for business-used vehicles, addressing higher risk levels and diverse legal liabilities beyond personal auto insurance. Whether you manage a fleet of trucks or a single car for business errands, this article demystifies commercial auto insurance, guiding you through its importance, coverage details, and how […]

EPLI Claims Examples

Return To: Employment Practices Liability Insurance (EPLI) – The Ultimate Guide In recent years, the rise in employees filing lawsuits against their employers has been staggering.  Most of these complaints were made against large corporations, but any company can come under fire from employees who feel that their rights have been violated.  As such, smaller […]