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Disability insurance is supposed to replace the income that cannot be earned for a period of time due to a qualifying disability. Qualifying disabilities are non-work-related injuries or illnesses that render a person unable to perform their job or perhaps any job.  The primary difference between short-term and long-term disability coverage is at what point… read more

Your long-term disability insurance policy is designed to replace a good portion of your income when you become disabled by accident, injury or illness and are unable to perform some or all of your usual work duties for an extended period.  Your disability must meet the criteria specified in your policy to trigger benefit payments…. read more

If you’re running a business, you probably have insurance. And if you can’t absorb the income loss if your business has to shut down for an unknown period of time due to physical damage then business interruption insurance (BI) may be part of your business insurance coverage. BI is underwritten to replace the revenue that… read more

Business interruption (BI) coverage is an add-on coverage to a business owner’s policy (BOP). The BOP typically covers property damage to the business and the liability of the business owner. But the BOP does not usually cover other costs of business operations – such as payroll and rent – that may become hard to pay… read more

Even though the last thing you want is to go through the insurance claims process after your property is damaged, the reality is that we cannot control external factors in our lives. If your property has been damaged, there are various steps you will have to take with your homeowners insurance carrier before they agreed… read more