Small business interruption insurance offers essential coverage for businesses as it helps replace lost income if they are temporarily forced to close their doors. This coverage became particularly important for businesses during the COVID-19 pandemic, which forced a nationwide shutdown.
When buying auto insurance, insurers take your driving record into account to determine your rate. If your insurance company thinks you’re likely to get into an accident due to your history, your premium will be more expensive than the premium of someone whose driving record is clean.
Building an attractive benefits package is a great way for small businesses to attract and retain high-level talent. Health insurance, in particular, is often one of the most important benefits that job seekers look for.
Lawsuits can cost businesses hundreds of thousands, or in some cases, millions of dollars. To protect themselves against lawsuits made by employees, businesses need employment practices liability insurance (EPLI).
Business liability insurance protects companies and professionals against common risks like property damage and bodily injury, but it may not cover you if you are held liable for other types of damages due to negligence or inadequate services.
But what is errors & omissions (E&O) insurance and why do businesses need it?
Car insurance is essential for any vehicle owner. Not only is it legally required, but it also provides invaluable protection for you, your passengers, and other drivers while you’re on the road.
When shopping for car insurance, it’s important to do your due diligence to find the most affordable rates available without sacrificing coverage. By comparing car insurance quotes from multiple insurance carriers, you can fulfill your coverage requirements without paying more than you need to.
Auto insurance may help you cover the damages that arise from being in an auto accident, but these policies typically only pay for the actual cash value (ACV) of your vehicle if it is totaled in an accident. If you owe more on your auto loan than your car is actually worth, this could result in you still paying for a car that you no longer drive. To avoid this, drivers should consider purchasing guaranteed asset protection (GAP) insurance to cover the difference between the amount that’s left on your loan and the ACV of your totaled car. Read more
Auto parts store owners need specialized insurance policies to protect themselves, their stores, their employees, and their merchandise from a variety of common risks that could cause significant financial damages.
At KSA Insurance, we partner with Auto, Allstate, and AmTrust to provide comprehensive auto parts store insurance policies to business owners in South Carolina and across the southeastern United States. Contact us today to request a quote and learn more. Read more
Homeowners insurance and landlord insurance both offer necessary protections for property owners, including property and liability coverages that protect you and your property from several common hazards.
If you’re planning to rent out your property, you’ll likely need to purchase landlord insurance to ensure you are fully protected against the unique risks that come with being a landlord. But if you only rent out your home occasionally, homeowners’ insurance may offer adequate coverage.
To help you decide which type of insurance you need for your rental property, here’s everything you need to know about landlord insurance vs. homeowners’ insurance.
Standard collision insurance may help pay to repair your vehicle after an auto accident, but what if your car is damaged in an incident other than a collision?
Comprehensive car insurance is a coverage that is designed to protect you and your vehicle from hazards like fire, falling objects, vandalism, and other events that may cause damage to your vehicle. If you are leasing or financing your vehicle, your lender will likely require you to purchase this coverage to protect your vehicle for the term of your loan.
Sign-up for our mailing list for the latest news and discounts!