How Much Home Insurance Coverage Do You Need?

Homeowners

So how much home insurance coverage do I actually need, that’s a question we get from first-time home buyers and homeowners all the time and the answer is going to depend on several different factors. The easiest place to start…

What is an Additional Insured?

Additional Insured

Today we’re going to discuss what an additional insured endorsement is and what you should look out for. If you’re a contractor it’s very common for a building owner or project manager to request a certificate of insurance from you…

Do Subcontractors Need Workers’ Compensation

Workers compensation

If you’re a contractor that hires subcontractors, then this article is for you. We’re going to discuss what you need to get from your subcontractors before you let them on a job site and whether or not they’re required to…

What Does Commercial Auto Insurance Cost?

Commercial Auto Insurance

Today we’re going to discuss the cost of commercial auto insurance, what impacts the rates, and what you should look out for. Commercial auto insurance is a liability and physical damage policy for vehicles, such as cars, trucks, and vans,…

What is a Workers Compensation Dividend?

Workers Comp Dividend

First, when it comes to workers’ compensation policies it’s important to know that some carriers offer more competitive pricing compared to others (that will vary by state). The number of times I’ve heard “we’ll I’ve been with the same carrier for…

Why Contractors Need General Liability Insurance

As a contractor, you face many risks on the job. From property damage to personal injury, there are countless things that could go wrong. That’s why it’s important to have general liability insurance. This type of insurance may protect you…

5 Rules Every Landlord Should Live By

people holding keys

I’m pretty confident that if you asked anyone who has ever owned a rental property you would get an overwhelming response that it’s not as lucrative or easy as they thought it would be. In fact, owning a rental property…

Will my credit rating change my insurance rates?

family playing with daughter

I was recently asked this question by one of our LAF Advisers clients, and thought I would share the answer here for our readers. There are a lot of things that go into homeowners and auto insurance rates, one of them…

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