Does Homeowner Insurance Cover Window Screen Replacement?
Reading Time: 4 minutesFor related coverage, explore our resources on will my homeowners insurance cover preventative tree and does renters insurance cover bed bugs and. Introduction Imagine a stray baseball from a neighborhood game shatters your window screen. You might wonder, “Does homeowner insurance cover window screen replacement?” This common scenario raises important questions about insurance coverage and […]
100 Reasons Why Your Business Needs Insurance
Reading Time: 14 minutesWhy Business Insurance Is Non-Negotiable One lawsuit can bankrupt a profitable company. A single product liability or employment practices claim routinely exceeds $500,000 in defense costs alone — before any settlement. Contracts require it. Landlords, lenders, clients, and government agencies all mandate specific coverage types and minimum limits before they’ll do business with you. State […]
Can You Cancel a Renters Insurance Policy Early?
Reading Time: 7 minutesQuick Facts on Canceling Renters Insurance Can you cancel early? Yes — renters insurance has no long-term contract, you can cancel any time Will you get a refund? Usually yes — most carriers refund unused premium on a pro-rata basis Is there a cancellation fee? Some carriers charge a short-rate penalty (typically $10–$25 or a […]
Top Bitcoin Insurance Companies
Reading Time: 3 minutesSee also: our guide on board of directors insurance. Related: SBA loan insurance Companies evaluating HR outsourcing should understand the insurance implications — our overview of PEO services covers how co-employment affects coverage and compliance. Introduction As Bitcoin continues to gain traction as a mainstream asset, the need for robust insurance solutions has become increasingly […]
Voluntary Life Insurance: What CFOs Should Know About Participation, Carrier Margins, and Self-Funding (2026)
Reading Time: 9 minutesSomewhere in your benefits package sits a line item called “voluntary life insurance.” Your HR team manages the enrollment. Your employees pay the premiums. Your finance team barely looks at it — because it costs the company nothing directly. But here’s what most CFOs miss: the carrier offering that voluntary program is making a 35-45% […]
Bitcoin Mining Insurance Services
Reading Time: 4 minutesBitcoin Insurance: Comprehensive Coverage for Your Digital Assets Introduction Our Bitcoin Mining Insurance Services are becoming increasingly vital as the world of digital assets and cryptocurrencies expands. Hotaling Insurance Services is at the forefront of this industry, offering innovative and tailored Bitcoin insurance products that address the unique risks associated with cryptocurrency investments and operations. […]
Connelly v. United States: How the Supreme Court Decision Changes Life Insurance for Business Owners
Reading Time: 2 minutesIn June 2024, the Supreme Court ruled in Connelly v. United States that life insurance proceeds received by a corporation to fund a stock redemption agreement increase the value of the company for estate tax purposes. This reversed decades of common planning assumptions and directly affects every business owner who uses corporate-owned life insurance to […]
Totaled Car Insurance Payout | Who Gets the Check?
Reading Time: 5 minutesReading Time: 5 minutes See also: our guide on EIDL hazard insurance requirements. Related: bonded company guide. Companies evaluating HR outsourcing should understand the insurance implications — our overview of PEO services covers how co-employment affects coverage and compliance. Who Gets the Insurance Check When a Car is Totaled? When your car is totaled in […]
SBA and EIDL Hazard Insurance Requirements: What You Need, When You Need It, and How to Certify
Reading Time: 9 minutesEIDL hazard insurance is property insurance the SBA requires you to carry on any collateral securing an Economic Injury Disaster Loan over $25,000. The requirement is written into the loan authorization: coverage must equal at least 80% of the loan amount or the full replacement value of the collateral, whichever is less, with the SBA […]
General Liability Insurance for Contractors: Policy Comparisons and Coverage Guide
Reading Time: 6 minutesGeneral liability insurance for contractors costs most operations between $700 and $3,000 per year for low-risk trades, while high-risk trades like roofing, demolition, and excavation pay significantly more based on payroll, project type, and claims history. For a comparison of digital insurance platforms, see our Otto Insurance review. Companies with commercial vehicles should review our […]