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Salzberg Insurance Agency Blog: policy

View the latest blog posts from Salzberg Insurance Agency.

Every business needs business insurance that protects it from liability costs. The coverage needed protects a business against incidents such as slips & falls, as well as third-party property damage. You likely have protection for these and similar risks when you have liability insurance. READ MORE >>

Have you heard of a home and auto insurance bundle? Well, a business owner’s policy, or BOP, is a similar policy bundle for small to medium businesses. BOPs provide the coverage that business owners need, wrapped up in a tidy bundle with a single premium price. READ MORE >>

There are certain instances in which a life insurance policy’s death benefit can be subject to estate taxes. One way to ensure that your policy will be exempt from federal and state taxes is to have the policy in an irrevocable life insurance trust also called an ILIT. What is an ILIT? READ MORE >>

A vacation home was a practical expense for many families in recent decades. It allowed a family with a favorite vacation locale to visit that location anytime during the year without worrying about making travel accommodations or overspending on things such as dinner out, entertainment and sleeping arrangements. READ MORE >>

In some health insurance policies, there is a certain amount of risk that the policyholder self-insures. This risk is referred to in the policy as the deductible and the out-of-pocket maximum. While these two categories of self-insurance seem to be talking about the same thing, they are actually quite different. READ MORE >>

How do you choose an agent? The best way to find someone you’re comfortable with is to talk to several over the phone or visit their offices.  Competent insurance agents should be able to answer your questions, help you assess what coverages you need and offer you insurance products to meet those needs. READ MORE >>

SHOULD I BUY A PACKAGE POLICY? Insurers often combine a number of coverages into a package that is sold as a single contract. The advantage of a package policy is that it offers a broad variety of coverages for small businesses at a price that is usually lower than if the same coverages were bought separately. READ MORE >>

INSURANCE FOR A HOME-BASED OR VERY SMALL BUSINESSAn extremely small business, such as one operated by one or two people out of a home, may not need workers compensation insurance. But it often needs more property and liability insurance than is provided in a typical homeowners policy. READ MORE >>

If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgements against you and your attorney's fees, up to a limit set in the policy. However, in our litigious society, you may want to have an extra layer of liability protection. READ MORE >>

Do you know what types of losses your home insurance policy will cover? Perhaps more important, do you know what types of commonly occurring losses it will not cover? Knowing the limitations in your policy is the first step to finding the fix. READ MORE >>

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