Do I Need Small Business Insurance?

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Every small businesses should protect their company with small business insurance.  General Liability insurance coverage covers physical damage to the property of others or injuries to others, as well as protection from claims of libel and slander.

Every business, even if home-based, needs to have liability insurance. The policy provides both defense and damages if you, your employees or your products or services cause or are alleged to have caused Bodily Injury or Property Damage to a third party.

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How Much Life Insurance Do You Need?

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We have all struggled with this one important question: How much life insurance should you buy? I can help you answer that question in 2 easy steps.

1. Cash Now

If you passed away, your family would need an instant infusion of cash to pay for any last medical expenses and a funeral. But how much will that be?

The average cost of a traditional funeral is between $7,000 and $10,000. That’s not counting any doctor or hospital bills your spouse may be left with after you’re gone. If you’re in doubt, leaving $10,000 to $15,000 to handle these expenses is a good place to start.

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Why Should You Consider Firearm Liability Insurance?


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It is estimated that 70-80 million Americans own at least one firearm.  A recent Gallup poll indicates that concern over personal safety is the most common reason given for owning a gun.

CLICK HERE FOR MORE INFOMATION ABOUT FIREARM INSURANCE!

But what happens if a law-abiding citizen is actually forced to use a gun to protect his/her self, a loved one, or their personal property?  There will be an investigation – and potentially a criminal trial.  Even an eventual acquittal provides no guarantee that the “victim” or his/her family members won’t sue in civil court.

Frequently Asked Questions

Many homeowner policies specifically exclude firearm use – even in self defense – as a covered exposure, deeming it to be an intentional act.  That leaves the gun owner personally liable for legal expenses, bail bond costs, and any judgments awarded through a civil action.

CONSIDER SOME OF THE FEATURES OF THIS FIREARM LIABILITY:

  • Civil Actions – Legal Defense.  Provides expert legal counsel to protect you against civil litigation arising out of the covered use of a firearm for self-defense.
  • Civil Actions – Indemnity.  In the event of an adverse civil judgment occurring from a covered event, the policy will pay monetary awards (up to the limit of liability).
  • Criminal Actions – Legal Defense Reimbursement.  Policy will reimburse insured for reasonable legal expenses incurred while defending him/herself against criminal charges arising from the use of a firearm in self-defense (up to the limit of liability).
  • Criminal Actions – Legal Defense Retainer.  Advances funds to the insured to cover the cost of retaining legal counsel to defend against a criminal action.
  • Criminal Actions – Bail Bond.  Advances funds to cover the cost of securing a bail bond.
  • Compensation While in Court.  Compensation for loss of earnings resulting from time off taken from work to assist the insurance carrier in the investigation or defense of a covered claim.
  • Firearm Theft Civil Liability.  Provides legal defense for civil actions resulting from bodily injury/property damage caused by firearm stolen from the insured.
  • Psychological Sessions.  Reimbursement for therapy sessions with a licensed professional to help the insured cope with the trauma associated with using a firearm in self-defense.
  • Legal Defense Hotline.  Access to a hotline staffed by legal professionals.  This service is provides advice on questions relating to the use of a firearm in self-defense.

CLICK HERE TO SECURE THIS VALUABLE FIREARM LIABILITY INSURANCE COVERAGE FOR YOUR FAMILY NOW!

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The Quality Care You Need with the Convenience Your Want

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Teladoc is a national network of U.S. board-certified physicians and pediatricians that lets you resolve your routine medical issues, on-demand 24/7, via phone or online video consultations from wherever you happen to be.

It’s healthcare on your terms – simple as that.

Contact me today to sign up your family for about .65 cents/day!

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Types of Insurance Policies

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You know that you need life insurance. However, with the wide variety of insurance policies available, you may find choosing the right one difficult. It’s really not as confusing as it seems, however, once you understand the basic types of life insurance policies. Continue reading “Types of Insurance Policies”

An Easy Way To Leave a Financial Legacy

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I have been a pastor for more than 25 years. I understand the pressures and stress of financing a church ministry or any other non-profit organization. Churches and pastors completely depend on the tithe and offering of those we serve in our congregations.

FINANCIAL LEGACY

What if there was a simple way to overcome some of these financial pressures and educate our parishioners about an easy way to leave a financial legacy – a legacy that blesses our church ministry for years after we are in Heaven?

Well, there is! It’s called Charitable Giving through Life Insurance! Continue reading “An Easy Way To Leave a Financial Legacy”

The Most Desirable Employee Benefits

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I was reading a great article from Harvard Business Review concerning employee benefits. I thought you might find value in this article also.

In today’s hiring market, a generous benefits package is essential for attracting and retaining top talent. According to Glassdoor’s 2015 Employment Confidence Survey, about 60% of people report that benefits and perks are a major factor in considering whether to accept a job offer. The survey also found that 80% of employees would choose additional benefits over a pay raise. Continue reading “The Most Desirable Employee Benefits”

Fork In the Road

Baseball great Yogi Berra once said, “When you come to a fork in the road, take it.” Business leaders will encounter many forks in the road in the coming year, and Aflac has taken a look at some of the top benefits-related decisions they’ll face. Among them:

  1. Pay or play?ForkInRoad

In 2016, employers with at least 50 full-time equivalent employees (FTEs) must offer affordable, minimum-value health coverage to at least 95 percent of their full-time employees and their dependents, or face a penalty. Employers will need to be certain they are providing coverage that meets the law’s requirements. For more information, see five things to know and do to guard against health care reform penalties and calculate your company’s FTEs with the FTE calculator.

    2. Make voluntary insurance part of the benefits package?

Because of the steady upward climb in health care costs, shifting expenses to employees is becoming a significant concern. It’s no surprise that benefits option
s such as voluntary insurance are quickly becoming key components of comprehensive benefits packages. Just how critical will these options be? According to the Aflac WorkForces Report, nearly 9 in 10 employees (88 percent) at least somewhat agree they consider voluntary part of a comprehensive benefits package and 64 percent see a growing need for voluntary today compared to past years. To learn more, see What is voluntary insurance and why do employees need it?

aflac-img1To learn more about the remaining six questions your company may face – along with the solutions – keep reading.

Learn more about Aflac’s solutions