Premier Risk LLC

A homeowners insurance binder is a document that you’ll get from your insurance agent that proves that you’ve bought homeowners insurance. The document essentially serves as a provisional insurance policy. As such, it contains your homeowners policy details, including the deductible and coverage limits. After you receive the official homeowners insurance policy, the binder becomes invalid. Here’s detailed information on

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To protect your business from the liabilities and costs that come with accidents and other risks that your small business faces, you should carry the right business insurance policies. Here’s a look at fifteen of the most important insurance plan. Protect Your Business Against Liability General Liability Insurance General liability insurance covers various liability claims, including property damage, bodily injury,

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The transfer of consumer or personal goods in the shipping process can be by land, water, or air. If your business transports products by lands, such as with trucks or rail, you need inland marine insurance to protect the value of the items. Products can get broken or lost in the shipping process, but this coverage pays for damage or

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If you own a condo in New York, you are not required by state law to ensure it, but it’s still a good idea. You probably will be required to carry condo insurance if you are financing the purchase through a bank loan. Here are essential points to know about condo insurance in NY. What Does Condo Insurance Cover? Although

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Every day, entrepreneurs face the challenge of making good decisions for their businesses. There are tons of decisions you can make that can positively impact your business. Purchasing a bond insurance policy is one of those decisions. Most business owners think that a bond insurance policy only benefits investors. The truth is, it is an essential tool that can help

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Long-term care insurance (LTCI) is a type of coverage that enables you to pay for long-term care expenses, which are typically not covered by regular health insurance. According to 2020 data from the Administration for Community Living, a division of the U.S. Department of Health and Human Services, almost 70% of 65-year-olds will require long-term care or assistance. Women require

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Every business faces unique risks, and thus insurance needs vary from one enterprise to another. It’s, therefore, important that you invest sufficient energy and time in evaluating your business insurance needs to choose the right coverage options. Here are some tips to get you started. Review Your Coverage Periodically A common error that business owners often make is renewing their

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Life insurance acts as a financial safety net for your dear ones once you pass away. If you’re purchasing a plan for the first time, term life is one option to consider. It provides coverage for a fixed duration, such as 10-30 years. You could also select a whole life policy for lifelong protection provided you keep paying regular premiums.

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Motorcycles are just like any other vehicle on the road. Motorcycle riders have the same responsibilities as other drivers. If you go for a ride without any insurance on your bike, you are basically putting yourself in the same situation as an uninsured motorist. Adding a motorcycle policy to your bundle of other policies will save you money in the

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