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EINSURANCE.(com): EInsurance Journal Home Insurance Articles

How Homeowners Insurance Covers Firearms

Firearms and homeowners insurance have a complicated relationship. The issues related to the topic range from policy limits to criminal or non-criminal acts to individual state regulations. Firearms and Insurance Rates Many insurance compa...



POSTED JULY 20, 2017
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...



POSTED APRIL 17, 2017
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...



POSTED JANUARY 24, 2017
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...



POSTED OCTOBER 25, 2016
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...



POSTED SEPTEMBER 28, 2016
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...



POSTED APRIL 29, 2016
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...



POSTED DECEMBER 02, 2015
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...



POSTED NOVEMBER 12, 2015

EINSURANCE.(com): EInsurance Journal Business Insurance Articles

A Guide to Finding the Right Accounting Software for Your Small Business

Accounting software has simplified the accounting process for business and personal finances. Today, many software options are available, helping users avoid the one-size-fits-all dilemma. With a little bit of research you can find the accounting...



POSTED AUGUST 16, 2017
How to Keep Your Millennial Employees Happy at Work

A lot of generalizations have been made about millennials, considered anyone reaching young adulthood in the early 21st century. A lot of what is said about them isn’t particularly flattering: they’re privileged, entitled, spoiled and,...



POSTED JULY 20, 2017
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...



POSTED APRIL 17, 2017
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...



POSTED MARCH 26, 2017
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...



POSTED FEBRUARY 14, 2017
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...



POSTED JANUARY 24, 2017
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...



POSTED JANUARY 24, 2017

EINSURANCE.(com): EInsurance Journal Auto Insurance Articles

6 Safety Features That Can Save You Money on Car Insurance

There might just be a treasure trove of savings in your auto insurance premiums. If you haven’t yet explored discounts for safety features, it might be worth looking into. It varies by state and insurance carrier, but if your car is equipped...



POSTED AUGUST 16, 2017
Buying Auto Insurance: Online vs. Agent

The Internet has changed our lives in so many ways. Where we get the news, how we learn, the way we do business and how we shop. Now you can even buy insurance policies online. But which is better, buying an auto insurance online or the “old...



POSTED AUGUST 16, 2017
Comprehensive Auto Insurance: What It Is and When You Need It

Despite its name, comprehensive auto insurance doesn’t cover everything related to your car in the case of an accident or damage to your car. Instead, it covers theft and damage to your car due to natural disasters and other non-collision ev...



POSTED AUGUST 16, 2017
What to Do With Your Car Insurance When You Move

Moving is such a hassle, it’s understandable if something falls through the cracks in the process. But, when you’re letting people and companies know you have a new address, there is one particular item that often gets forgotten: your...



POSTED JULY 20, 2017
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,...



POSTED APRIL 17, 2017
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...



POSTED MARCH 26, 2017
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...



POSTED FEBRUARY 14, 2017
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...



POSTED JANUARY 27, 2017

News – Insurance Journal

Increase in California Workers’ Comp Pure Premium Sent to Department of Insurance
The Workers’ Compensation Insurance Rating Bureau has submitted its Jan. 1, 2018 pure premium rate filing to the California Department of Insurance proposing advisory pure premium rates that average $2.01 per $100 of payroll. That WCIRB’S proposed rate is 14.3 …

POSTED AUGUST 18, 2017 7:06 PM
Georgia Fines Company Behind Deadly Leak at Sperm Bank $302K
A deadly February 2017 industrial gas leak at a sperm bank in Augusta, Ga. was caused by the over-pressurization of a bulk storage tank, according to findings from an investigation by state inspectors released Thursday by Insurance and Safety Fire …

POSTED AUGUST 18, 2017 4:57 PM
Liotta Named Chairman of Oklahoma Workers’ Compensation Commission
Gov. Mary Fallin has named Mark Liotta as chairman of the Oklahoma Workers’ Compensation Commission. Liotta, a former state representative from Tulsa, succeeds Robert Gilliland, whose term on the commission expires Aug. 25. Liotta’s appointment as chairman takes effect Aug. …

POSTED AUGUST 18, 2017 4:44 PM
Federal Appeals Court Voids Exxon Pipeline Safety Order
An appeals court has voided an order that would have required Exxon Mobil to revise its pipeline safety procedures after a 2013 oil spill in Arkansas. The Pipeline and Hazardous Materials Safety Administration issued the order in 2015, and it …

POSTED AUGUST 18, 2017 4:40 PM
Wisconsin Officials: State Law Prevents Fire Sprinkler Rule Enforcement
Wisconsin officials say a state law prevents them from enforcing a fire sprinklers rule that fire officials say is one of the best ways to save lives. The 7-year-old rule requires sprinklers be installed into new apartment buildings that have …

POSTED AUGUST 18, 2017 4:38 PM
Ex-Esurance Worker in South Dakota Sues Over Alleged Discrimination
A former Esurance call center worker in South Dakota is suing the insurance company alleging discrimination and harassment because he’s Jewish. The Argus Leader reports that Brandon Marshall filed the federal lawsuit on Aug. 15. Marshall claims his supervisor called …

POSTED AUGUST 18, 2017 4:36 PM
Louisiana Governor Seeking Homeowner Flood Grant Expansion
Gov. John Bel Edwards announced he wants to broaden Louisiana’s flood aid program to include homeowners whose flood insurance proceeds didn’t cover their rebuilding costs and to boost grant amounts. Initial limits setting homeowner eligibility for the rebuilding aid granted …

POSTED AUGUST 18, 2017 4:27 PM
New North Dakota Laws Address Producer Conduct, Customer Gifts, More
North Dakota Insurance Commissioner Jon Godfread has said that since taking office at the beginning of this year he has focused on ensuring the agency he runs is available and responsive to insurance consumers, producers and companies alike. As part …

POSTED AUGUST 18, 2017 4:26 PM
Industrial Insurer HDI Global Forms Excess Surplus Lines Carrier
Industrial insurer HDI Global Insurance Co. (HDI) has formed an excess and surplus lines subsidiary, HDI Specialty Insurance Co. The new platform will “bring European expertise and solutions” to the alternative energy, private public partnerships (P3s), and design-build construction markets, …

POSTED AUGUST 18, 2017 4:06 PM
Pennsylvania Selects Commissioner Miller to Lead Department of Human Services
Pennsylvania Governor Tom Wolf has selected Insurance Commissioner Teresa Miller to lead the state’s Department of Human Services, effective August 21. He simultaneously announced in an email to state employees that Jessica Altman will serve as Miller’s replacement to lead …

POSTED AUGUST 18, 2017 3:59 PM

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