New Car Shopping? Think About Auto Insurance Too

Auto Insurance

 Are you in the market for a new low-cost car? Before you head off to the showroom, you may want to determine which cars are the least expensive to insure. There are many low-cost autos on the market which are very popular. If you are in the market for a fuel-efficient, low-cost auto, here are some items to consider.

Auto Liability Coverage pays for medical damages and funeral expenses for any people injured or killed in an accident for which you were responsible.  Auto Property Damage covers damage you do to a third party. Auto Physical Damage covers comprehensive and collision. A collision is designed to get your car repaired if you hit an object. Comprehensive Coverage covers your vehicle in the event of damage or loss from something other than a collision; this includes theft, vandalism, nature, animals.

Best Cars To Insure

Mazda CX-3.

Honda Pilot LX.

Fiat 500X Pop.

Nissan Frontier S.

Hyundai Tuscon SE.

Why Business Insurance?

A Business Insurance Update

Your business insurance can respond to many kinds of risks and losses.  Protecting your business from loss can mean the difference between having a great year, and having to close your doors.  According to the Insurance Information Institute, 30% of businesses that have a fire never re-open.  Therefore, it pays to have the right business insurance and to manage your tops risks.  However, do you know the most common risks faced by most businesses?

Business Risks

Cyber breach – Your small business has a greater chance of having a data breach than it does of having a fire. Make sure you have a cyber liability insurance policy.  Don’t save passwords on your computer, use the latest security software, train your employees on cyber security, and never use an open network.

Customer trip and fall – Make sure you keep your business entry clean and clear of clutter.

Flood – Your business insurance excludes flood damage. If you are close to water, make sure you consider flood insurance.

Fire – Every business is subject to fire. Install automatic alarms to ensure proper notification, disconnect equipment when not in use, and never overload sockets with plugs.

Theft – Develop a system for end of day closure procedures. Keep a light on at night. Burglars are less inclined to break in if they think someone is there.