What Types of Insurance Does Your Small Business Need?

If you are just starting your own small business, you may be wondering how best to protect your investment. There are many different types of business insurance policies, but not all types are right for every business. Check out these five common types of insurance your small business may need. General Liability Insurance Just about any business needs general liability insurance. This type of insurance is designed to cover common issues businesses face.

What To Do When The Insurance Company Wants You To Exclude A Driver

Auto insurance policies cover the vehicles they were purchased for, which means any damage to the cars or trucks will generally be covered regardless of who is driving them. However, sometimes insurance companies will insist a policyholder exclude a particular driver from being covered. Here's what it means if this happens to your and what you can do about it. Why the Insurer May Object to a Particular Driver The reasons an auto insurance company may want you to exclude a driver are the same reasons they may refuse to approve a potential policyholder for coverage: the person has demonstrated he or she is a high-risk driver.