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Auto Insurance Laguna Hil...

Forty-seven out of the fifty US states require some kind of auto insurance. Often called “car insurance,” this insurance covers cars, trucks, and other vehicles. The purpose of auto insurance is to provide protection for the insured against liabilities and losses incurred from traffic accidents. Prior to purchasing auto insurance there are many factors to consider. Each state has its own laws...

Flood Insurance

An interesting paradox surrounds the concept of flood insurance. There is a principle called “adverse selection,” which is basically the prevalence of people living in areas most affected by the specific peril of flood to buy flood insurance. In traditional insurance, the providers of insurance use the economic law of large numbers that pits claims against fees, judging that the incoming fees for...

Business Insurance

Commercial insurance is insurance that business owners invest in to protect their businesses. Historically it has proven to be one of the most important investments a business owner can make. A business is exposed to potential situations that may result in loss caused by unforeseen and unfortunate circumstances. Commercial insurance is one of the building blocks in creating a business. Without commercial...

Work Comp Insurance

Every state has mandated specific laws that require companies to provide worker’s compensations insurance, also called worker’s comp insurance or workman’s comp insurance. This insurance provides coverage that ensures that the employee’s finances are protected if the employee becomes ill, dies, or is injured on the job. The primary functions of worker’s comp insurance is to cover the medical costs when...

Homeowners Insurance

Homeowner’s insurance, sometimes referred to as home insurance or hazard insurance, is insurance that covers private homes. The real estate industry often refers to this insurance by the abbreviation of HOI. This insurance generally refers to insurance that covers two specific types of claims. One is property, which provides coverage of the property and its contents. The other is liability, which is...

Auto Insurance Laguna Hil...

Flood Insurance

Business Insurance

Work Comp Insurance

Homeowners Insurance

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