What Is Voluntary Life Insurance? Options and Benefits
Reading Time: 7 minutesSee also: our guide on umbrella insurance policy. What Is Voluntary Life Insurance? Understanding Your Options and Benefits Related Resources: what is direct term life insurance how • key person insurance cost For related coverage, explore our resources on what is direct term life insurance how and key person insurance cost. Related: daycare insurance requirements […]
Bitcoin Mining Insurance Services
Reading Time: 5 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: < 1 minuteIn 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. Who Gets the Insurance Check When a Car is Totaled? When your car is totaled in an accident, it can be a stressful and confusing time. One of the most common questions is, “Who gets the insurance check?” […]
SBA Hazard Insurance Requirements: What You Need, When You Need It, and How to Certify
Reading Time: 6 minutesKey Takeaways for SBA Borrowers Required by all SBA lenders: Every SBA 7(a) and 504 loan requires hazard insurance on the collateral property before disbursement What it covers: Physical damage to the building and business personal property from fire, wind, theft, and other named perils — essentially commercial property insurance Coverage amount: Must equal the […]
General Liability Insurance for Contractors: Policy Comparisons and Coverage Guide
Reading Time: < 1 minuteGeneral liability insurance for contractors covers third-party bodily injury, property damage, and completed-operations claims arising from construction work. Every general contractor requires it from subcontractors before they set foot on a job site, and most states require it for contractor licensing. The standard limits are $1M per occurrence and $2M aggregate, though commercial projects frequently […]
Why Are Employee Benefits Important in Today’s Job Market?
Reading Time: 4 minutesKey Takeaways: Why Employee Benefits Matter Benefits are the #2 factor in job decisions: After salary, benefits are the most important factor employees consider when choosing and staying with an employer — 78% of employees say benefits influence their decision to accept a job offer Health insurance leads: Group health insurance is the most valued […]
Can You Cancel Your Insurance Claim? Here’s How
Reading Time: 6 minutesReading Time: 6 minutes See also: our guide on key person life insurance. Can You Cancel Your Insurance Claim? Here’s How! Introduction Imagine that you’ve just filed an insurance claim—but then you change your mind. Perhaps you settle repairs out‑of‑pocket or resolve the issue directly with the other party. Now you’re wondering: Can you cancel […]
Are Docks Covered by Homeowners Insurance
Reading Time: 6 minutesAre Docks Covered by Homeowners Insurance? Costs, Stats and Coverage Related Resources: will my homeowners insurance cover preventative tree • does renters insurance cover bed bugs and For related coverage, explore our resources on will my homeowners insurance cover preventative tree and does renters insurance cover bed bugs and. Related: Otto car insurance Introduction For […]
IUL Calculator vs Insurance Agent | Which Gets Better Rates?
Reading Time: 5 minutesWhy a Personal Agent is Better Than an Index Universal Life Insurance Calculator Related Resources: what is direct term life insurance how • key person insurance cost For related coverage, explore our resources on what is direct term life insurance how and key person insurance cost. Related: GLP-1 medication savings Introducing An Index Universal Life […]