Arizona requires all drivers to have car insurance that meets state requirements for liability protection. However, this low-limit coverage is usually too little to provide adequate protection in an accident. That is because when you get behind the wheel of a car, you are taking on a certain amount of risk not only for yourself and your vehicle but also for other drivers on the road. If you cause an accident that injures another person or damages their vehicle or other personal property, you can be held legally and financially liable. Likewise, if you total your own car, you could lose the entire investment you made when you purchased your vehicle.
Your home insurance policy protects you, your home, and the things you own against unexpected losses. As a homeowner, getting the right policy is an important part of protecting your investment and your financial future. With the help of Bob Jarosch, it’s easy to find a policy that gives you confidence that you are covered against a wide range of potential losses.
Life insurance is perhaps the most important type of coverage you can purchase since it protects the people you love most against financial devastation in the event of your death. More than just coverage for funeral and burial expenses, life insurance has the ability to sustain your family’s financial health long after you are gone. If you have dependents or anticipate gaining dependents in the near future, now is the time to start thinking about updating your coverage or perhaps purchasing your first policy.
Health Insurance
Medical payments coverage compensates you if you are injured in an accident, regardless of whether it was your fault or the fault of another driver. Although the coverage is usually limited to no more than a few thousand dollars, this could be enough to pay your health insurance deductible and get you on the road to recovery. Since it does not release another driver of liability, you can still pursue compensation from an at-fault driver’s insurance company despite receiving medical payments reimbursement from your own.
Whether you run your own burger joint, opened a consignment shop, or plan to start up some other type of small business, there is a lot to think about when it comes to protecting your company against potential risks. With so much work involved in the day to day operations of a typical business, the last thing you want to lose sleep over is whether your business is adequately covered against losses and lawsuits.
Workers Compensation Insurance
BOP insurance is designed to meet the needs of small business operations. It typically includes only those coverages that are most frequently purchased by small companies and startups. While this does not usually include workers compensation or commercial auto insurance, it is possible to purchase these and other protections separately from a business owners package.
General liability coverage is part of every business owners package, as it provides broad protection against litigation and legal expenses if your business is sued for third-party property damages and bodily injuries. In addition to property damage and bodily injury liability, this coverage may also protect you against personal injury and advertising injury. If someone is hurt on your premises, it may even provide limited coverage for medical payments regardless of establishment of fault.