Archives: November 2014

Independent Contractors Risk All Without the Right Coverage

More companies are outsourcing jobs to freelancers or independent contractors (ICs). According to the Bureau of Labor statistics, the number of freelancers and ICs has grown dramatically in the last few years and is expected to continue rising. Many freelancers and ICs themselves have failed to keep up with the times; these days you need commercial insurance more than ever, but few realize that without...

Car Repair Insurance or Extended Warranty?

  Coverage Protects You Against Uninsured Drivers Have you ever looked at your insurance policy and wondered what these two lines mean? Uninsured/Underinsured Motorists Coverage Property Damage (UMPD/UIM-PD) Uninsured/Underinsured Motorists Coverage Bodily Injury (UMBI/UIM-BI) It's not as it seems - you're not paying for coverage for people who can't afford it, you're paying to protect yourself. UMBI pays for your injuries, and UMPD, for your...