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Why You May Need Workers’ Compensation Even If You Are Self-Employed

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workers compensation insurance

Everyone knows that employers are required to provide their employees with some type of workers’ compensation insurance. Sole proprietors and independent contractors can also receive workers’ compensation insurance if they choose to do so. While they have the option to “opt-out” or turn it down, purchasing a workers’ compensation policy may be in their best interest. Every business is different in terms of potential risk. It is up to the business owner to decide how much and what types of insurance they want to carry on themselves and their business.

Who Needs Workers’ Compensation Insurance?

The fact […]

Why Buying Life Insurance in Your 30s May Be a Smart Move

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Most of us discuss getting life insurance at the right age. However, little is known about what is the right age to get life insurance. Generally, the sooner you purchase life insurance, the better it will be for you to enjoy the maximum benefits. But how soon is soon enough?

Given below are a few reasons that will practically explain why the 30s is considered to be the perfect time for purchasing personal life insurance:

You May Have a Family

It’s mostly in your 30s that you will be getting married, starting a family, and […]

Narrowing the Gender Gap for Life Insurance

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Men financially value their lives twice as much as women, especially for matters relating to life insurance, even though the death of either individual will impact the family equally. Such instances are even more prevalent in households where the man is the sole earner, while the woman is a primary caregiver. This fact has put the life insurance gender gap in the spotlight.

Individuals purchase life insurance that is 5 to 10 times more than their income. However, how does one quantify the contributions of a stay-at-home mother? What would be a suitable sum for life insurance? Let […]

5 Costly Mistakes Homeowners Must Avoid

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Owning a home is a great experience. However, to be a proud owner, make sure you avoid common homeowner mistakes.

Here is a list of five costly, common homeowner mistakes that you can avoid:

Ignoring “Small Stuff”

You love and feel good about the home you purchase. However, ignoring the small issues may potentially blow up later. Think about the squeaky floorboard on the deck or a leaky showerhead – these issues can lead to expensive repairs or increased water bills. Address these issues and get them fixed immediately.

Not Conducting Regular Inspection […]

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