Oncken Insurance Agency, P.C. Blog
When you own a business, you are vulnerable to all sorts of risks, including claims and lawsuits. You need to protect your small business from the costs brought on by the damage or injury at the workplace or even offsite. One way to do it is to have public liability insurance.
Know that public liability insurance does not cover the claims made by your employees, but only those from external parties.
Everyone aims to be successful, and there are obstacles before you can achieve success. One of the most significant barriers to success is going with the flow as if you are on autopilot mode where you do whatever anyone else is doing. People became too busy reacting to things that are happening around them, making them lose self-focus and forget about their own goals.
The following are three powerful hacks to become successful in life.
Many customers experienced receiving letters from their insurance provider saying that their home policy rate increased. According to reports of Applied Systems, a software firm, the percentage of the premiums rose to 5.8% with quotes almost 1.3 billion. This home insurance cost started rising since 2015.
Here are significant reasons why rates of home insurance quickly rise:
There are four common types of theft such as shoplifting, robbery, auto theft, and identity theft. In this article, information about identity theft — one of the most common crimes in today’s society — will be emphasized and the critical steps will be cited to guide you.
After enduring 40 years of hard work in a company, you must have obtained sufficient assets that you desire to retire so that you can live happily ever after with your loved ones. But, some life stories serve as an eye opener about how inexact one’s financial future may be. You have an opportunity to save you and your family during old age. Continue reading this article to know the three reasons why life insurance is vital when you start reaching 60.
Over the years, the prices of goods and services increase, just like your homeowner's insurance. It happened because the value of your home, property, and even its repair and replacement costs also increases. It is the main reason why your insurance premium went up.
Learn to control your policy in these five easy ways:
Avoid car theft before it’s too late. The knowledge you need to learn is how to safeguard your car, particularly on this widely spread theft.
How can you prevent your car from getting stolen? Here are a few tips:
Positive Psychology Instructor Emily Esfahani of the University of Pennsylvania once said that the obsession with the pursuit of happiness only has one solution. She said it is to understand the meaning of your life. She also said that this is the key to resilience and success. In fact, many psychologists have defined happiness as a feel-good moment or a state of ease and comfort, but the truth is that the key is in the meaning of life and nowhere else. For psychologist Martin Seligman, meaning often comes from serving a greater purpose beyond oneself.
Your home is your biggest investment. In fact, a large chunk of your net worth depends on the value of your home. However, if your home is not generating any cash flow for you, then perhaps you are missing out on a lot of good opportunities. If you want to turn your home into an asset, the first thing you need to do is to lower your expenses and find ways to generate income from it. Once you have net positive cash flow coming from your home, then you can already consider it an asset. After all, an asset is something that adds monetary value to your finances. Here are four ways to transform your home into an asset.
After years of work, it is time for you to have your own business. In order to protect your business, you need to purchase business insurance. Business insurance can vary depending on which risks you are faced with. For example, your business depends on the clients you work with, the type of work your business does, and whether or not you have employees. Here are four types of insurance that could protect your business from future troubles.