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Why Self-Insuring Your Home Sounds Good, but Is a Bad Idea

As more Californians see their homeowner's insurance policies non-renewed and are unable to find new coverage, they are being forced to turn to the California FAIR Plan, whose coverage is less comprehensive and significantly more expensive.

Staring at rates that are hundreds of percent higher...

Read More: Why Self-Insuring Your Home Sounds Good, but Is a Bad Idea


10 Tips for Dealing with OSHA

When OSHA shows up, it's not the time to figure things out on the fly. Whether you're in construction, manufacturing or any other field with safety exposure, knowing the ground rules can make all the difference between a successful visit or one where you leave...

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Gaps in Your Policy Coverage Can Leave You Exposed

You may have auto insurance and home or renter's insurance in place to make sure you are covered in case of an accident.

But, depending on the circumstances of a claim, you may have coverage gaps in your insurance, and policyholders that do put themselves,...

Read More: Gaps in Your Policy Coverage Can Leave You Exposed


This Insurance Covers You If You're Sick and Need a Financial Lifeline

While your health insurance will cover most of your medical expenses and costs associated with some medical issues, it won't cover you for lost income and non-medical expenses you incur if you are unable to work due to your illness.

For example, if you have...

Read More: This Insurance Covers You If You're Sick and Need a Financial Lifeline


Property Insurance Won't Cover Mudslides, Landslides

Businesses and homes located in areas that have been hit by wildfires have another risk they face after the fires subside: flooding, landslides, debris and mudflows. These events are not covered by a standard business property or homeowner's insurance policy.

Areas affected by wildfires have...

Read More: Property Insurance Won't Cover Mudslides, Landslides


3 in 4 Workers Would Accept Lower-Pay for Better Benefits: Survey

A new study has found three out of four U.S. workers would accept a job with a slightly lower salary if it offered better health care and medical coverage.

The main driver in workers prioritizing benefits is the rapidly rising cost of group health insurance...

Read More: 3 in 4 Workers Would Accept Lower-Pay for Better Benefits: Survey


Adult Children and Your Liability if They're Negligent

If you have an adult child who you are still paying some expenses for, or they are studying in college (living either away from you or at home), you could still be held liable for any damage they cause through their own negligence.

They may...

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What to Know About Vacant Buildings and Insurance

The office vacancy rate is 20.1% in the U.S., according to Moody's. That's a 30-year high, with more than 900 million square feet of office space empty — enough to fill New York City's One World Trade Center 300 times.

When buildings lack occupants, they...

Read More: What to Know About Vacant Buildings and Insurance


Renter's Insurance, the Affordable Peace of Mind

Nearly half of renters are uninsured for fire, natural disaster and burglary, according to the Insurance Information Institute.

Why do so many people take this unnecessary risk? Some may think that their landlord's insurance will cover any claims, or they think that only houses are...

Read More: Renter's Insurance, the Affordable Peace of Mind


Credit Score Myths Abound; Make Sure You Understand the Facts

Credit scores are a fact of life. Lenders use the scores to uncover information to determine how likely a borrower is to pay back a loan in a timely fashion. Since credit scores are so important, they have taken on a kind of mystical aura...

Read More: Credit Score Myths Abound; Make Sure You Understand the Facts