Disability Insurance: Protect Your Income When Life Happens

 

Imagine this: You’re injured, sick, or recovering from surgery and can’t work for weeks — or even months. Your bills don’t stop, but your paycheck does. That’s where disability insurance steps in.

Disability insurance replaces a portion of your income if you’re unable to work due to a non-work-related injury or illness. It’s one of the most overlooked but essential types of coverage — especially for working professionals, entrepreneurs, and families who rely on a steady income.

What Is Disability Insurance?

Disability insurance pays a portion of your income if a medical condition prevents you from working. There are two main types:

Short-Term Disability

1. Covers temporary conditions like injury, illness, or childbirth recovery

2. Benefits usually last 3 to 6 months

3. Often has a waiting period of 1–14 days before benefits begin

Long-Term Disability

1. Covers more serious or long-lasting conditions

2. Benefits can last 2 years, 5 years, or until retirement age

3. Waiting period is typically 30 to 90 days

💡 Many people choose to have both types — short-term for immediate needs, and long-term for major life events or chronic illness.

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Your ability to earn a living is one of your most valuable assets — and disability insurance protects that. Whether you’re a full-time employee, self-employed, or a caregiver with a side hustle, having coverage in place means peace of mind during unexpected health challenges.

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Workers’ Comp Insurance: What Every Employer Should Know

 

Running a business means taking care of your people — and that includes protecting them if they get hurt on the job. That’s where Workers’ Compensation Insurance (commonly called workers’ comp) comes in.

Whether you’re hiring your first employee or growing a team, this guide explains what workers’ comp covers, when it’s required, what happens if you skip it, how premiums are set, and how claims work.

What Does Workers’ Comp Insurance Cover?

Workers’ comp provides financial protection for both employers and employees when a work-related injury or illness occurs. It covers:

1. Medical Expenses: Covers hospital bills, surgeries, doctor visits, prescriptions, and ongoing care for work-related injuries or illnesses.

2. Lost Wages: Replaces a portion of an employee’s income (typically around 66%) while they recover and cannot work.

3. Rehabilitation Services: Covers physical therapy, occupational therapy, or retraining programs if the employee can’t return to their original job right away.

4. Disability & Death Benefits: Provides financial support for long-term or permanent disability — or survivor benefits to a family if the worker dies from a job-related cause.

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Workers’ compensation insurance isn’t just a legal requirement — it’s smart risk management. It protects your team, keeps your business compliant, and shields you from costly lawsuits. As your startup grows, having a workers’ comp policy in place is a sign of professionalism, responsibility, and long-term thinking.

We can provide that trusted advice to help! CONTACT US NOW.

Startup Survival: Why General Liability Insurance is a Must

 

Starting a business is exciting — but it also comes with risk. Whether you’re meeting clients, leasing office space, or selling products, one accident or lawsuit could cost your startup more than you can afford. That’s where general liability insurance comes in.

This guide breaks down what it covers, why it matters, what’s not included, and how you can get affordable coverage to protect your business from day one.

What General Liability Insurance Covers

General Liability Insurance protects your business from common third-party claims involving bodily injury, property damage, or legal expenses. Here’s what’s typically covered:

1. Bodily Injury: If someone is injured on your business property or because of your operations, this coverage helps pay for medical bills, legal fees, and settlements.

2. Property Damage: If your business accidentally damages someone else’s property — like a client’s laptop or office — this coverage helps repair or replace the item.

3. Legal Defense: If you’re sued, even without cause, general liability helps pay for attorney fees, court costs, and settlements or judgments.

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No matter how small your startup is, one unexpected lawsuit could derail everything. General liability insurance protects your business against the most common and expensive risks — and it’s often more affordable than you think.

Start smart. Get covered. And give your business the solid foundation it needs to grow with confidence.  We can provide that trusted advice to help! CONTACT US NOW.

5 Things You Didn’t Know Life Insurance Could Do

 

Do you realize that there’s a lot that you don’t know about life Insurance? In this piece, we’ll be exploring a couple of options of what you can do with life insurance. Investing in a life insurance policy can help you meet many financial goals, but there are some things that the average person may not know about life insurance policies.

Life insurance is beyond protecting your loved ones and assets from the risk of future financial needs. There’s much more than most people know.

No worries, let’s do a rundown of all that is to know about life insurance;

1. Defray Long-Term Care Funding

One out of every three American will likely require long-term care in their lifetime, a very expensive necessity. For example, in the U.S., costs for long-term care average $54,000 a year, and it is projected that this expense will rise to $104,000 within the next decade.

Typically, you would need to pay for long-term care costs with your own money or with funds set aside by family members. However, life insurance can provide the required funding.

2. Transfer of Wealth

Life insurance can provide an income stream for your beneficiaries in retirement. A traditional life insurance policy will pay a death benefit in the event of your death. The beneficiary will receive this lump-sum payment in the event of the insured’s death. However, you can create an account value with a life insurance policy and allow your beneficiaries to receive income over time instead of just one lump sum.

Earnings created on this cash value can be used to purchase an annuity, an income stream for the insured’s beneficiaries upon their death. You can also use this income to buy a life annuity, which provides a fixed income for your beneficiaries during their lifetime.

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While life insurance can provide many benefits for you and your family, feel free to reach out to our expert insurance advisors today to discuss about it.

How To Create an Up to Date Home Inventory For Faster Claims

 

Annually, about 358,000 homes experience structural home fires. Regardless of how many safety practices you adopt, there’s a likelihood of fire emanating from your kitchen, heater, or an electrical malfunction. 

In the event of a fire outbreak, can you remember all of your valuables and possession? Maybe you have a photographic memory and can recall where every item you have in your room. With the shock, fear, and stress that the fire would have caused, you will likely not remember it all. That’s where a home inventory can come in handy. 

What is a Home Inventory? 

A home inventory is a breakdown of all your personal properties with their corresponding financial value. 

Creating a home inventory can take from few hours to a day, depending on how long you’ve lived in a place and how thorough you want to be. A home inventory may take time, but it will be a time-saver when a catastrophe occurs.  

For the sake of your Homeowner’s insurance claim, let’s help you get started on creating an updated home inventory; 

Read More To Create an Up-To-Date Home Inventory!!!

We can help you make the most of your Homeowner’s insurance, but it all starts with knowing what you’ve lost. Feel free to reach out to our expert insurance advisors today.