Eventually, most people will need to add one or more drivers to their car insurance policy. The effects of an additional driver on your policy depend on whether you need to add a roommate, spouse, or teen driver to your car insurance and the driving history of the person you are adding.
Including a spouse on your car insurance policy is easy. In fact, federal law requires some insurance coverage to be automatically extended to a spouse. However, this does not protect you from financial or legal accountability should your
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How Does Adding a Driver Affect My Car Insurance?
Summer Proof Your Home Insurance
Summer is finally here, and that means back yard pool parties, family barbecues and fireworks celebrations. It also means you are at increased risks to accidents and injuries stemming from these summertime festivities. You may think your homeowner’s insurance policy will protect you against any and all accidents, but if the incident that caused injury or damage was easily preventable, your insurance company may attempt to deny your claim.
Most homeowners would prefer to avoid any incident in the first place. For those
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Is Your Home Insurance Tornado Proof?
Unlike hurricane, earthquakes and floods, damage to your home caused by tornadoes is covered under a basic home insurance policy. What many homeowners discover too late, however, is that their traditional homeowners insurance package was insufficient to help them repair or rebuild following a severe tornado event.
Tornadoes are an extremely common natural disaster in the United States. According to the Disaster Prevention Organization, an average of 1,200 twisters touches down each year across the country. More than 200
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Find Summer Coverage for Your RV
Before making plans to enjoy the outdoors in your RV this summer, be sure that you have the insurance coverage you need before traveling. An RV insurance policy will offer you coverage for a wide range of circumstances that basic car insurance policies are not designed to cover. What makes a good RV insurance policy?
Most RV insurance policies also offer liability and personal belonging replacement limits that are higher than car insurance policies. After all, you keep many more items of considerable value in your RV than
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Risk Management Solutions for Your Cyber Liability Concerns
We pride ourselves not just on selling insurance, but on sharing our expertise on the risks our clients face every day and how best to mitigate them. With business operations becoming more complicated, global and reliant on technology every day, comprehensive risk management techniques combined with tailored insurance solutions are the only way to make sure that you are protected from the wide range of exposures inherent in your day-to-day business operations.
Consider the area of cyber liability. What was once a minor
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Combined Agents of America Membership Means More Buying Power for Us, Better Service for You
In November 1997, Benchmark Insurance helped form the Combined Agents of America (CAA). After coming together with other independent insurance agencies across Central Texas, a plan was developed to allow all to maintain our independence while harnessing the power of our combined business. Together we could bring a much larger volume of business to insurance companies and multiply our buying power—and with it our capabilities for our customers—exponentially. Thus, on October 1, 1997, the Combined Agents of America was
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How to Prepare Your Home for Storms
Whether it is the winter storms in the northern part of the country, tornadoes in the south central and Midwest, or hurricanes along coastal regions, storms affect everyone. Preparing your home for the next big storm is an important part of homeownership.
The American Red Cross has a great checklist of steps you can take to protect your family, home and belongings from storm damage. Here are the highlights:
Listen to a NOAA Weather Radio for storm updates from the National Weather Service.
Check your disaster
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Prep the Motor and Haul in the Anchor: But Don’t Forget Your Boat Insurance
It’s that time of year that most boat owners start dusting off the motors, untangling the fishing line and replacing old or broken equipment. Preparing the boat for a new season can be time consuming and require a bit of an investment, but you don’t want to be stranded on the water the first time out this year. You prepare your boat because you enjoy the relaxation and entertainment of being on the lake, river or ocean. You also have boat insurance for when all of those careful preparations are just not enough.
According
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Business Insurance that Travels with You Abroad
In today’s global economy, more and more U.S. based businesses have satellite offices in other countries, employees who rack up the international frequent flyer miles, or some, if not all, of their operations base abroad. The risks can be greater, but so too can the rewards.
Finding a business insurance policy or package that can protect you from the plethora of risks your company and its employees may face while in a foreign country is vital to protecting your interests. Whether your company only conducts international
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What is Product Liability Insurance?
Does your company manufacture or sell products or other goods to the general public? If so, you likely need product liability insurance.
Product liability insurance covers a business’s financial responsibility for losses or injuries to a user, buyer or bystander caused by a defect or malfunction of the product. In some instances, product liability insurance may also cover the manufacturer or seller of the product for defective design and “failure to warn.”
Claims against companies for product-related damages are
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