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The Three Main Types of Auto Insurance Coverage, and Why They’re All Important

The Three Main Types of Auto Insurance Coverage, and Why They’re All ImportantWhen you’re paying your bills every month, you may pay for auto insurance without giving a lot of thought into what it actually does for you. The reality is that auto insurance isn’t one single thing; there are three main types of coverage (and some other optional coverages too). All three of these are important and they work together to make sure you’re protected.

Let's discuss the three main types and what they offer you.

Liability

Liability insurance, which is further divided

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The Auto Insurance Claims Process, Step by Step

The Auto Insurance Claims Process, Step by StepAn auto insurance claim is a request made to an insurance company for compensation for damages sustained after a car accident, or for representation or intervention on the insured's behalf when they are liable for damages. If you are involved in an accident, you will want to make a claim.

When it comes time to file an auto insurance claim, a lot of people aren't always in the best head space. Car accidents are incredibly nerve-wracking, and trying to coordinate all of the necessary

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Who Really Causes the Most Car Accidents? Common Stereotypes Explored

Who Really Causes the Most Car Accidents? Common Stereotypes ExploredThere are many stereotypes around the question “Who causes the most car accidents?” Some people claim that women are statistically worse drivers than men, while others claim that men cause more accidents. Some say that newly-licensed teenagers are the biggest dangers of the road, while still others feel that senior citizens above a certain age should not be driving.

The truth is, we can all be accident-prone and are constantly at risk out there on the road. No matter who

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Do You Have a Teen Driver? Here’s How You And Your Family Can Prepare

Do You Have a Teen Driver? Here’s How You And Your Family Can PrepareObtaining a driver’s license and getting behind the wheel of the family car or their own is exciting for your teenager, while you may have many concerns and anxiety about road safety and auto insurance.

Speak to an agent to help guide you through this life milestone, so you understand how to insure young drivers on their auto policies. Driving is a privilege, not a right. Certain steps must be agreed upon and fulfilled to gain

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Businesses with Benefits: Do You Know the Group Health Insurance Laws?

Businesses with Benefits: Do You Know the Group Health Insurance Laws?Group health insurance refers to a single policy typically issued to a business with employees, covering all eligible employees and sometimes their dependents.

The rules are quite different for group coverage versus individual coverage, mostly because the insurer’s risk is calculated differently. With groups such as businesses, insurers determine a premium price based on risk factors balanced over the entire group, using general information on members of the group, such as age or gender.

Health

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The Advantages of a Group Umbrella Policy

Wealthy individuals are often targets of personal liability suits that can put assets such as a house, investments and future earnings in jeopardy. Why risk it? A Group Umbrella policy extends the limits on your homeowners, auto, and other personal insurance liability coverages and provides additional funds to cover your liability costs.

Value Where it Counts

Because many individuals within one organization are covered under a Group Umbrella policy, you obtain some key additional benefits over an individual umbrella policy, including discounted rates. The policy is issued under the name of the

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How to be a Great Boss

A great boss makes their employees realize they have more ability than they think they have so that they consistently do better work than they thought they could. Every employee has their unique shape and a good boss needs to be able to find a suitable role for each of their employees. With patience and perseverance, you will be able to shape this wild variety of personalities into a well-working team of satisfied people.

Build Trust

Trust is needed to turn a group of people into a team. Building trust will help create effective communication, employee engagement

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The Most Effective Ways to Bring Wellness to Your Business

The Most Effective Ways to Bring Wellness to Your BusinessWorkplace wellness can be a sustainable and holistic approach to increasing employee satisfaction, motivation and retention for the long-term. Applying an emphasis on health boosts morale and productivity.

Utilize these ideas to promote workplace wellness from a practical standpoint. The focus is on enhancing performance and maintaining a company culture that regards each employee as not just a number, but as an asset whose overall health matters.

Open and Calming Space

Setup of your

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How to Know When Your Business Needs Umbrella Insurance

How to Know When Your Business Needs Umbrella InsuranceUmbrella insurance is a broad coverage used to protect your business from liabilities that threaten its financial stability. This insurance extends over other policies to provide additional coverage when certain underlying policies have reached their limits. It also can kick in to fill in gaps that other policies don’t cover. The layers of protection makes it especially important for business owners; allowing access to higher limits of protection from risks, at an affordable rate.

The Ins and Outs

Umbrella insurance protects

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How to Create an Effective Mission Statement

How to Create an Effective Mission StatementIf you want to be able to clearly articulate your business's purpose to its employees and its potential customers, you need the right mission statement. It is important for a business to have a mission statement that can truly resonate with people while still being an accurate description of the business. To do so effectively, approach this creation with authenticity. You must ask yourself a few questions about your brand and the company’s foundation. The statement should end up as a clear, concise declaration

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