Insurance Blog

August 1st, 2017 by Lightship Insurance

Life Insurance Costs Less Than You May Think

Life Insurance Costs Less Than You May Think Many people avoid purchasing life insurance, especially later in life, because they think it will be too expensive. Not necessarily. According to a 2016 study by Limra, 30% of US households do not have life insurance, and even those households with life insurance only have enough to replace three years of income. Although it depends on your... Read Article

Keep Your Summer BBQs Safe

It’s Party Time! Keep Your Summer BBQs Safe It’s time to fire up the grill and treat friends and family to your special secret sauce. But as you gather ’round the BBQ, the last thing you need is flames that extend outside your grill; personal injury and property damage are not going to win you the block-party-of-the-year contest. To avoid grilling your home or guests... Read Article

Make Your Insurance Claim as Easy as PIE

How to Make Your Insurance Claim as Easy as PIE There’s been an incident. You need to start the claims process. To many in this scenario, this responsibility not only looms large, but can feel intimidating. Whether the situation involves an employee injury, an auto accident, or property damage, follow this PIE recipe to make the process faster, easier, and less intimidating. Photograph: Capture images... Read Article

Car Insurance When Crossing Borders

What Happens to Car Insurance When Crossing Borders? Are you planning a road trip? Does your adventure include crossing international borders? If so, make sure you have proper auto insurance before you hit the highway. Most U.S. and Canadian insurance policies cover both countries. Insurance laws differ between the two, but your policy includes a provision for travel across the border. When you cross, your... Read Article

Is It A Suit Or A Claim?

Is Separate Coverage Required for Suits vs. Claims? You’ve heard of employees filing a suit against their company. You’ve also heard of people making a claim against their employer to demand financial compensation. So what’s the difference? Are these the same? Do you need separate insurance policies to cover claims and suits? Suit definition: A suit is a proceeding involving damages due to personal injury,... Read Article