The U.S. Small Business Administration estimates more than half of all businesses in the U.S. are located in the owners home. Regrettably, several of those business owners feel they don't require any special insurance policies to defend their business from everyday liabilities. Some assume their homeowners insurance will protect them. Understanding the need for insurance for home-based businesses is critical. Contact us to review your business to make sure you are protected.
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In 1949, Bill Bracy joined his father in the Agency. Jim Bracy followed in 1954. At that time, the name became F.P. Bracy & Sons Insurance Services which continues today. In 1988, Deborra followed her father, Jim, in the family business eventually purchasing the agency and becoming the 3rd generation to own and operate Bracy Insurance.
What is auto insurance? Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you. What is Homeowners insurance? Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists.
What kinds of health insurance are there? There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage. These plans generally assume that the medical professional will be paid a fee for each service provided to the patient.
