What is hired and non owned auto liability insurance? The coverage provides protection for the business in the event an employee gets into an at-fault auto accident while driving…Monika BaraketJune 28, 2018
What is coinsurance and how does it affect my health insurance? If coinsurance is listed in the coverages of your health insurance policy the coinsurance percentage listed is the percent of…Monika BaraketJune 28, 2018
What is the difference between general liability and professional liability? Professional liability is protecting your business against bad advice or guidance. Any time you give professional opinion, advice or guidance…Monika BaraketJune 28, 2018
Personal Insurance How does my loss ratio affect business insurance premiums? [Video] For most small businesses loss ratio has the most obvious effect on workers compensation insurance premiums.The Murray Group Insurance & Financial ServicesJune 28, 2018
Personal Insurance How do I set up a health savings account? Health Savings Account or HSA is a type of bank account that you contribute to with pre-tax dollars and grows…The Murray Group Insurance & Financial ServicesJune 28, 2018
Personal Insurance Does long-term care insurance cover nursing home cost? Long-term care insurance does cover nursing home cost as part of the general benefit structure. There are many different benefits…The Murray Group Insurance & Financial ServicesJune 28, 2018
Personal Insurance Can an employee sue my business if I have workers comp? Workers compensation insurance was created to guarantee employees medical benefits in the event of work related injury. In exchange for…The Murray Group Insurance & Financial ServicesJune 28, 2018
Personal Insurance Do I need long-term disability income insurance? Long-term disability insurance protects you and your family from lost income in the event you are injured and can't work.…The Murray Group Insurance & Financial ServicesJune 28, 2018
Personal Insurance What does a personal umbrella policy cover? A personal umbrella policy acts as last line of liability defense in the event the limits of your underlying policies,…The Murray Group Insurance & Financial ServicesJune 28, 2018
Personal Insurance What is considered a pre-existing condition on health insurance policy? A pre-existing condition on a health insurance policy is any prior medical condition you have developed or sustained prior to…The Murray Group Insurance & Financial ServicesJune 28, 2018