The U.S. Census Bureau estimates that unmarried couples living together is actually more prevalent than marriage; in fact, the statistics show that the number of unmarried couples living together exceeds 8.3 million and will continue to rise. One main reason for couples choosing to live together is to save money; however, what some may not [...]
The Federal Motor Carrier Safety Administration (FMCSA) is the top federal government agency that is in charge of regulating and stipulating safety guidelines for U.S. transportation for commercial vehicles. Commercial motor vehicles include bus companies, commercial truck companies along with those who operate rigs with their commercial drivers license (CDL). Because of the high volume [...]
Sending your son or daughter off to college comes with many mixed emotions. You are pleased to see them embark on a new journey but concerned about their safety of living and driving independently for the first time. Many things may cross your mind such as preparing your son or daughter on handling a car [...]
Purchasing a life insurance policy may not be on the top of your list of things to do; but maybe it should be. Nobody likes to consider the unexpected situations that could happen that could put your family and those loved ones in a financial bind, leaving them emotionally devastated as well as financially destroyed. [...]
When you took out a business insurance policy, your Alabama insurance agent took into account many factors when determining the exact insurance premium figure. However, it is the end of your policy year and you just got notified of an impending premium audit. What that means for you is that an audit is scheduled to [...]
If you have ever served as a director or an officer at a Non-Profit Organization, you realize the demands of serving the needs of the members. Certain responsibilities of the executives may result in personal liability while trying to establish goals for the growth of the organization along with the launching of funds/fundraisers. Many people [...]
As an Alabama restaurant owner, you are faced with juggling many responsibilities such as managing food supplies, training employees on health and safety regulations, and most importantly providing customer service and delicious food to all your customers. However, regardless of how careful you are in your business operations, unfortunate situations can still happen which is [...]
The trucking industry is ever changing to meet industry government regulations, safety standards, and procedures. Not only that, but if you are a trucking professional you realize you are faced with many inherent risks prevalent within the trucking industry. All of this combined means finding the right type of insurance for your small motor carrier [...]
Alabama is no stranger to severe weather situations so when a tornado or hurricane strikes bringing heavy winds and rains, it’s no surprise that you may be in store for a power outage. Regardless of how power outages happen, you need to have power outage planning underway. Staying safe is essential during a power outage [...]
Insurance protection for your business is essential but are you getting the right type of protection that suits your particular business needs? Before you sign on the dotted line for Alabama business liability insurance, you need to be aware of some significant distinctions between “claims-made” insurance and “occurrence.” Knowing some of the differences between the [...]