How to Insure a Car for your Elderly Parent
Reading Time: 5 minutesInsuring a Car for an Elderly Parent You can insure a parent’s car — but only with an insurable interest. Most insurers require that the policyholder either owns the vehicle, co-owns it, or lives in the same household. If your parent owns the car and lives separately, they’ll typically need to be the named insured. […]
2026 Business Insurance Cancellation Rules by State
Reading Time: 4 minutesKey Takeaways: Business Insurance Cancellation Rules by State Carriers can cancel mid-term for cause: Non-payment, material misrepresentation, fraud, or substantial increase in hazard are valid cancellation reasons in every state Non-renewal ≠ cancellation: Cancellation terminates a policy mid-term. Non-renewal means the carrier won’t renew at the end of the current term. Different rules apply to […]
What Is Direct Term Life Insurance? How To Use It
Reading Time: 7 minutesWhat Is Direct Term Life Insurance? How To Use It You may also find our guide on key person insurance cost helpful for additional context. Introduction When considering life insurance, one term you might come across is “direct term life insurance.” But what exactly does this mean, and how does it differ from other types […]
Does Homeowner Insurance Cover Window Screen Replacement?
Reading Time: 4 minutesDoes Homeowner Insurance Cover Window Screen Replacement? For 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 […]
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 minutesCan You Cancel a Renters Insurance Policy Early? Yes — Here’s How to Do It Right Quick 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 […]
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. Top Bitcoin Insurance Companies 2024 Introduction As Bitcoin continues to gain traction as a mainstream asset, the need for robust […]
Voluntary Life Insurance: What CFOs Should Know About Participation, Carrier Margins, and Self-Funding (2026)
Reading Time: 9 minutesVoluntary Life Insurance: What CFOs Should Know Before Approving the Next Benefits Renewal Somewhere 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 […]
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 […]