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EINSURANCE.(com): EInsurance Journal Home Insurance Articles

Insuring Your Home in an HOA Community

Homeowners associations (HOAs) are common, and not just for condominiums and townhomes. Some single-family detached homes are located within an HOA neighborhood or community. When buying a new home, whether multi- or single-family, it’s impo...

POSTED JUNE 21, 2017
Does Your Airbnb Home Have Enough Insurance Coverage?

Home sharing service Airbnb now offers free Host Protection Insurance (HPI).  Although HPI covers up to $1M per incident, don’t expect it to be enough protection. The liability policy, like those offered by other vacation rental sites,...

POSTED MAY 17, 2017
Can You Deduct Your Homeowners Insurance Costs On Your Taxes? Sometimes.

The answer to whether or not homeowners insurance is tax deductible is kind of a mixed bag of good news/bad news. Generally, your premium costs are not deductible (bad news), but there are exceptions (good news). Since home ownership comes with so...

EINSURANCE’s Top 10 Articles of All-Time

We have been posting articles for over 20 years to ensure you, our customers, are informed when buying insurance. Our commitment has been, and will always be, to keep you up-to-date on coverage options, policy terms, and all you need to know about...

5 Tips for Keeping Your Home Safe This Halloween

For home owners, trick-or-treaters aren’t the only spooky things that come with Halloween. While you’re handing out goodies and enjoying the costumes you’ll want to have a good time and not worry about your home becoming a liabil...

Protect Your Home from the Unexpected

Older people are most likely to sustain an injury at home than anywhere else. But accidents at home can happen no matter your age. With precaution you can make your home safer, and some of these measures might allow you to receive home insurance d...

Don’t Let Lack of Dog Liability Insurance Come Back to Bite You

Beware the dog that takes a chunk out of your bank account. You are liable should your pet pooch bite someone, but your homeowners or renters insurance may take some sting out of the injury. How protected you are can be limited by both the state i...

Grinch-Proof Your Home for the Holidays

Don't be an easy mark for grinches and thieves who target homes during the holidays. Whether you’re going to be away from home for a couple hours or a couple weeks, here’s how to protect your home from holiday thieves. Your season will...

Four Coverage Options If You Work Out of Your Home

Being your own boss is part of the American Dream. Working from home makes it even better. But the dream has some downsides. What would happen to your business if you were injured or hospitalized? What if a delivery guy trips bringing you your off...

Party Season is Coming: The Facts About Your Legal Responsibilities as a Social Host

Planning a party any time soon? If you’ll be serving alcohol you need to know about a set of rules called Social Host Laws in the majority of U.S. states that could make you legally responsible for accidents and injuries that happen to or ar...


EINSURANCE.(com): EInsurance Journal Business Insurance Articles

Small Business? You’re at Risk for Employee Fraud

If you think your company is too small to worry about employee fraud, consider this: A small business with fewer than 100 employees had 28% higher losses from fraud than larger companies, according to a report by the Association of Certified Fraud...

POSTED JUNE 21, 2017
Should Your Business Allow Employees to Bring Pets to Work?

Many companies are finding out that letting employees bring pets to work can actually improve business. In fact, the Society of Human Resource Management found that seven percent of employers let employees bring their pets to work. It’s beco...

POSTED MAY 17, 2017
What You Need to Know About Small Business Health Insurance

As if the health care scene isn’t confusing enough, small business owners must sift through a number of options to find the employee health insurance program that makes sense for them. Business with fewer than 50 employees are not required t...

POSTED MAY 17, 2017
Understanding Business Insurance for Veterinarians and Animal Service

Businesses that involve working with animals deal with something others don’t: pets that belong to other people. That distinction comes with particular considerations that aren’t covered in other business insurance plans. Pet-relat...

Can a Company Retreat Improve Your Small Business?

After several years of waning popularity, the corporate retreat has been making a comeback. Interest dropped almost 90 percent from 2005 to 2013, but since coming out of the Great Recession, more and more companies are carving out time for busines...

Employee Wellness Programs: What You Should Know

Employee wellness programs, which vary in scope, are changing the workplace environment for the better, even for small businesses. They offer a perk that can help a company attract and retain employees. But wellness programs have also been found t...

6 Must-Haves For Your Small Business Website

Think of your business website as your living room, where you greet visitors and make them feel welcome. It’s where first impressions are made. Treat visitors right, and they’ll come back again and again. Every small business needs...

EINSURANCE’s Top 10 Articles of All-Time

We have been posting articles for over 20 years to ensure you, our customers, are informed when buying insurance. Our commitment has been, and will always be, to keep you up-to-date on coverage options, policy terms, and all you need to know about...

Avoid These Common Mistakes When Buying Business Insurance

If you’re like a lot of business owners, you might make mistakes when it comes to purchasing business insurance. Protect yourself from costly errors, review the details of your business and insurance to avoid making costly errors. Here a...

Errors and Omissions Insurance Can Save Your Business a Lot of Money

  Being human, we all make mistakes from time to time. Since errors are inevitable, there’s an insurance that specifically covers professional mistakes and oversights: Errors and Omissions Insurance. Errors and omissions (E&...


EINSURANCE.(com): EInsurance Journal Auto Insurance Articles

The In’s and Out’s of Motorcycle Insurance

If you’re considering a motorcycle purchase, be sure to include insurance in your cost estimating equation. Even though there are a few states – Montana, Washington and Florida – that don’t require motorcycle insurance, if...

POSTED JUNE 21, 2017
What Is Personal Injury Protection Insurance and What Does It Cover?

Think of personal injury Protection (PIP) as sort of a “get home free” extension of auto insurance. It is no-fault coverage that pays out no matter who is at fault in a car accident. PIP goes above and beyond standard auto insurance to...

POSTED MAY 17, 2017
How to Shop for High Risk Auto Insurance

As a driver, somewhere along the line you’ll no doubt have an “oops” moment, whether it’s serious (DUI) or less dangerous (driving without insurance). Reasons big to small can cause you to be considered a high risk driver,...

When Would You Have an Excluded Driver on Your Car Insurance Policy?

Whether you ask for it, or your auto insurer demands it, having a named driver exclusion attached to your policy has its consequences. It can also save you money. In states where it’s legal, insurance companies can allow, and sometimes r...

How Much Will Your Car Insurance Cost?

Like many things, auto insurance rates seem to be getting higher every year. So how much is the average cost? It depends on many factors taken into consideration when it’s time to get a new policy. On average, the annual cost to insure a...

8 Simple Ways to Save You 90% On Your Car Insurance

You may already know auto insurance premiums depend on many common factors like a vehicle’s make and model, drivers’ safety records, vehicle usage conditions and years of driving experience. However, you may not know there are many oth...

EINSURANCE’s Top 10 Articles of All-Time

We have been posting articles for over 20 years to ensure you, our customers, are informed when buying insurance. Our commitment has been, and will always be, to keep you up-to-date on coverage options, policy terms, and all you need to know about...

What Happens if You Don’t Have Enough Auto Insurance?

It can be tempting to go for the cheapest auto insurance policy to save on premium costs, but is it a good idea? Not really, unless you’re prepared to come up with thousands of dollars out of your own pocket if you’re in an accident....

Baby It’s Cold Outside: Use These Helpful Tips to Stay Safe When Driving In the Winter

In many parts of the country, winter means dealing with bad driving conditions. Whether you live in an area that gets a lot of rain, ice or snow or are planning a trip where there’s a good chance you’ll run into inclement weather, thes...

Create Your Own Emergency Roadside Kit

Better safe than sorry, right? Be prepared for possible problems when you’re on the road with an emergency kit. You’ll have peace of mind feeling safe and you could save yourself some unexpected loss of time. These days there are o...


News – Insurance Journal

Allianz Sells Private Bank OLB to Private Equity Firm Apollo for $336M
German insurer Allianz said it had agreed to sell its 90 percent stake in private bank Oldenburgische Landesbank (OLB) to U.S. private equity firm Apollo for 300 million euros ($336 million). Apollo, which is consolidating the northern German banking market …

POSTED JUNE 26, 2017 10:08 AM
General Motors Agrees to Settle Hundreds of Ignition Lawsuits
General Motors Co. has agreed to settle federal lawsuits by as many as 203 plaintiffs over defective ignition switches in its vehicles, a Friday court filing shows. Settlement terms are confidential, but the accord could also resolve hundreds of state court …

POSTED JUNE 26, 2017 5:00 AM
Automakers Grapple with What To Do with Drivers in Autonomous Vehicles
Automakers are using tiny cameras, sensors to track drooping heads, steering wheel monitors and audible alerts to ensure drivers pay attention when using advanced driver assistance systems, like Tesla’s Autopilot, that allow drivers to take their hands off the wheel. …

POSTED JUNE 26, 2017 5:00 AM
Former Flatiron, Cantor Fitzgerald Execs Launch Premium Financing Firm National Partners
Denver-based National Partners, a new premium finance company, said that it will open for business and begin processing loans on July 2. Since its formation in July 2016, NP has been building out its software system and securing the state …

POSTED JUNE 26, 2017 5:00 AM
In Biggest Data Breach Settlement Yet, Anthem to Pay $115 Million
Anthem Inc., the largest U.S. health insurance company, has agreed to settle litigation over hacking in 2015 that compromised about 79 million people’s personal information for $115 million, which lawyers said would be the largest settlement ever for a data breach. The …

POSTED JUNE 26, 2017 5:00 AM
Florida Medical Marijuana Law Signed by Scott
  Florida Gov. Rick Scott signed legislation Friday to implement the medical marijuana amendment voters approved last year. Amendment 2, approved by 71 percent of the voters in November, took effect on Jan. 3 and required that laws had to …

POSTED JUNE 26, 2017 4:07 AM
Alabama Governor Requests Disaster Declaration for Farmers Hit by Storm
Alabama Gov. Kay Ivey is asking for federal assistance for farmers because of crop losses from Tropical Storm Cindy. Ivey sent a letter Friday to U.S. Department of Agriculture Secretary Sonny Perdue asking for a disaster declaration in some Alabama …

POSTED JUNE 26, 2017 4:01 AM
London Underwriters, Trigon to Offer Alabama Homeowners Program
London Underwriters LLC, a national MGA and surplus lines broker, has partnered with Birmingham based wholesaler Trigon Inc., to provide a new and exclusive low-value homeowners program for the state of Alabama. The product will target homeowners (HO3, HO6 and …

POSTED JUNE 26, 2017 4:01 AM
California Chamber and 2 Workers’ Comp Groups File Brief in Utilization Review Case
The California Workers’ Compensation Institute, the California Chamber of Commerce and the California Coalition of Workers’ Compensation have filed a joint amicus brief in Stevens v. WCAB, the long-running court case that challenged the constitutionality of the utilization review/independent medical …

POSTED JUNE 23, 2017 6:14 PM
Wine Named Securities Head, Shultz Asst. Commissioner at Kansas Insurance Dept.
John Wine, current assistant commissioner at the Kansas Insurance Department (KID), has been named securities commissioner within the department, and Clark Shultz has been tapped as Wine’s successor as assistant commissioner. The administrative changes are a result of the upcoming …

POSTED JUNE 23, 2017 4:50 PM

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