Insurance

12th September 2025

Collision Deductible Waiver: What It Is and When You Might Need One

A collision deductible waiver can help you avoid paying out-of-pocket for repairs if you're hit by an uninsured driver, but it's not available in every state or situation.

FinanceBuzz • 24th July 2025

Is Car Insurance Mandatory? What Every Driver Needs To Know

In every state in the U.S. except New Hampshire, it is illegal to drive without car insurance. Most states have laws requiring drivers to carry at least a minimum amount of liability coverage. Liability coverage helps pay for injuries or property damage you may cause to others in an accident. It is required to ensure that costs for medical bills and damages resulting from an accident will be covered.

FinanceBuzz • 23rd July 2025

Best Car Insurance for Seniors [2025]: Affordable Coverage in Your 60s and 70s

As you enter your golden years, your car insurance needs may change. You may drive less frequently, have a modified vehicle to assist with a disability, or prefer more personalized service. You'll also need to look for more affordable premiums because your current insurance rates might increase when you turn 70.

FinanceBuzz • 1st July 2025

Does Insurance Cover Car Break-Ins? What To Know and What To Do Next

If someone breaks into your car or vandalizes it, your first instinct may be to panic. That's understandable. It's a violation of your personal space, and it also means costly repairs are needed to fix the damage done by the thieves. But if someone breaks into your car, does your insurance cover it?

FinanceBuzz • 27th June 2025

Collision Deductible Waiver: What It Is and When You Might Need One

If you've ever been in a car accident, you know it is a stressful situation, especially when the other driver doesn't have insurance. Even if you aren't at fault, you may still be on the hook for the deductible on your collision coverage before the insurance company pays its share.

FinanceBuzz • 13th February 2025

Amica Review [2025]: Premium Coverage, Premium Cost

Amica is a well-established insurance company that has been around since the turn of the century. It has strong customer service ratings and expansive insurance coverage options.

FinanceBuzz • 24th January 2025

Why Is My Car Insurance So High With a Clean Record? Factors You Might Be Overlooking

You're a cautious and attentive driver with a squeaky-clean driving record, clear of traffic violations, accidents, or claims. However, the cost of your car insurance continues to climb, leaving you to wonder, "Why is my car insurance so high with a clean record?"

FinanceBuzz • 9th April 2024

How Much is Insurance for a Cleaning Business?

If you own a cleaning business or are considering starting one, you should know what insurance coverage you need to protect yourself from lawsuits and business losses.

Like most businesses, you may want to invest in general liability insurance, commercial property insurance, and more. But how much is insurance for a cleaning business? General liability insurance is the primary type of coverage you’ll want to have, and it costs about $50 per month for most independent contractors, according to I

On Premise • 1st March 2024

Bar Insurance - On Premise 2024

Article on bar insurance for On Premise, the official publication of the Tavern League of Wisconsin

US News & World Report • 15th January 2024

Control of Well Insurance

Control of well insurance is a type of insurance coverage primarily used in the oil and gas industry. It covers costs related to a well blowout, which is the accidental and uncontrolled release of crude oil or natural gas from a well due to a failed pressure control system. Blowouts can result in production shutdowns, environmental damage, and even the death or injury of well workers.

US News & World Report • 21st August 2023

Broad Form Insurance

Broad form insurance refers to the causes of loss (or perils) form that dictates what types of losses will be covered under a property insurance policy. It goes above and beyond the basic policy form to offer coverage for additional perils.

US News & World Report • 21st August 2023

American Association of Insurance Services (AAIS)

Founded in 1936, the American Association of Insurance Services (AAIS) is a national not-for-profit advisory organization that serves the property and casualty (P&C) insurance industry. The organization’s members consist of over 700 insurance carriers across the U.S. AAIS provides its members with standardized insurance policy forms, manuals, rules, and loss costs for the following insurance lines:

US News & World Report • 21st August 2023

Wholesale and Distribution Insurance

Wholesale and distribution insurance isn’t just one policy – it's a combination of insurance coverages and policies that together can protect a wholesaler or distributor from business losses. Depending on the types of coverage needed, they may be combined into one policy as a business owner’s policy (BOP) or a commercial package policy (CPP) or purchased as separate stand-alone policies.

How Does Wholesale and Distribution Insurance Work?

Extra coverage may also be purchased to cover other ris

US News & World Report • 21st August 2023

Reinsurance Ceded

Insurance companies often transfer some of the financial risk for all or part of their policies to another insurer, which is known as the reinsurer. This process is called reinsurance, and it’s essentially insurance for insurance companies. Reinsurance ceded is the term used to describe the policies or risks the primary insurer, called the ceding company or cedent, hands over to the reinsurer.

US News & World Report • 17th April 2023

Business Crime Insurance

Standard commercial property insurance policies don't typically cover losses from business-related crimes. Instead, business crime insurance is sold as a separate policy, as a fidelity bond, as an endorsement to a commercial property policy, or as part of a business owner’s policy (BOP) or commercial package policy (CPP).