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The majority of homeowner's insurance policies have what's known as "replacement coverage," which will cover the costs of repairs or reconstruction to rebuild your home to its original state after a covered event.

But thanks to rising costs of construction, including materials and manpower, some...

Both employers and employees have much to gain from a solid voluntary benefits program.

For employees, being able to enroll in an insurance product through a workplace voluntary benefits program offers them the advantage of group pricing, the convenience of paying through payroll deduction,...

Life in most of parts of California comes with the inherent risk that an earthquake can strike suddenly and without warning.

You probably didn't know that the state has more than 10,000 seismic events every year, but fortunately most of them are too...

The Equal Employment Opportunity Commission has issued new guidance for employers to provide reasonable accommodations for visually impaired workers who request it.

About 18.4% of all American adults have at least some difficulty with their vision, even when wearing corrective lenses, according...

Many homeowners who are renovating their homes, or building a new one, make the expensive mistake of not securing additional coverage during the construction phase.

A fire may destroy your materials and equipment, or thieves clean you out in the dead of night. When...

Having a solid estate plan in place is the only way to make sure your assets are distributed as you wish, and funeral plans are covered.

If you pass away and do not have an estate plan, there will be no direction for how your...

Too many families and small business owners overlook the foundational financial planning step of getting sufficient life insurance protection in place.

According to LIMRA, about 48% of U.S. families are significantly underinsured, and about 37 million Americans have no life coverage in place...

With many companies having decided to allow staff to work remotely permanently or split time between working at home and in the office, employers have to be especially careful about timekeeping and complying with wage and hour laws.

That includes requiring staff to show...

Millennials and Gen Zers are every bit as subject to injury and chronic debilitating disease as their older co-workers. But they are much more likely to be going without disability insurance.

The typical 20-something needs disability insurance much more than they need life insurance. Young...

One of the keys to having your insurance claims paid promptly is to file them in a timely manner.

Virtually all commercial insurance policies — from liability and workers' compensation to commercial auto and property — require that a notice of claims be filed within...