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What type of insurance do you need?
Home insurance provides a backup plan in case a catastrophe strikes in the neighborhood. Whether it's a fire, high winds, or a burglary, it's covered by a suitable homeowners insurance policy in Mississippi. Home insurance will pay for repairs to the home and replacement of belongings, pay for someone else's injuries on the property when it's the homeowner's fault, and may pay for temporary living expenses if the home is so badly damaged that it's uninhabitable.
Mississippi residents pay higher than average rates for car insurance. The average cost for car insurance nationwide is $1,311. In Mississippi, residents pay an average of $1,584 per year. That makes it especially important to seek out the best possible rates by compare quoting from multiple companies before choosing a policy.
Last year, small businesses in Mississippi made $72.3 billion. Small businesses in this state are extremely successful. But accidents happen, and without insurance, business claims and legal fees will have to be paid out of pocket. Having comprehensive and customized commercial insurance can provide the peace of mind that comes from knowing that a business's revenue is protected.
The state of Mississippi mandates that all businesses with at least five regular employees must have worker's compensation insurance. There are a few exceptions. It is not necessary to purchase coverage for sole proprietors, corporate officers, or partners, though they can be covered if desired. If these individuals choose not to be covered, they will be included in the total employee count. It is also not necessary to purchase coverage for domestic or farm laborers or for independent contractors.
Restaurants in Mississippi need three basic types of insurance: property, liability, and employee coverage. Keep in mind that each type of insurance has sub-types of more specialized insurance depending on the type of restaurant and the services offered. Many restaurants have added policies for delivery and buffet services. Food spoilage is also a popular add-on policy for restaurants.
The state of Mississippi keeps everything simple. There are basic minimum insurance requirements that apply equally to any vehicle using public roads, regardless of whether it is private or commercial. The mandated coverages are: bodily injury per accident, $25,000 per person and $50,000 aggregate for all persons; and property damage coverage of $25,000 per accident. Penalties for businesses that fail to comply with mandatory minimum insurance coverage include up to a $1,000 fine and up to a year in jail.
The easy answer is: all of them. Every business should have its property and employees protected. And since this line of work involves dealing with so many customers, it’s extremely important to keep the business going strong. Insurance companies offer customized hotel insurance coverage for all types of hotel businesses.
An umbrella policy can provide extra insurance protection by providing a much higher liability limit than other existing policies. This coverage kicks in when the limits of those policies are exhausted. A policyholder might have liability coverage on their primary residence, a secondary residence, their vehicles, a boat, and an ATV. An umbrella policy will increase the amount of liability coverage on all these policies. If the primary liability policies are exhausted because of a large claim, an umbrella policy will not only provide excess coverage for damages, but will also pay for legal defense costs.
Many renters ask this question, or simply assume that the property owner's landlord insurance covers them. It does not. The building owner's policy only covers the building, grounds, and property. However, landlord insurance does not cover tenants or their personal property. Renters insurance protects them in situations that anyone might face: fire, theft, water damage, and other unforeseen circumstances not covered by the property owner's landlord policy.
Life insurance is all about preparing for the unexpected. It is important for everyone to think about how their dependents would fare if they were to meet an untimely demise. If they are married, they may want enough coverage so their spouse can afford to keep the family home. If they are a parent, they are likely to want to ensure that their children are well cared for and that they have many of the opportunities they might otherwise need to forgo due to lack of funds.
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“The website was so easy to use and navigate and it was not overly intimidating. Everybody I dealt with was professional.”Home Insurance Customer
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"Fast & easy service. They did most of the work for me, which helped me focus more time on my restaurant."Restaurant Insurance Customer
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“TrustedChoice.com provided friendly and helpful service. Great experience.”Workers' Comp Customer
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“They found me an agent that could provide insurance just for me. 5/5”Hotel Insurance Customer
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