What is car insurance in simple terms?If you asked that because you want a clear, plain answer, here is a direct response. But before I explain, I need to be clear about the topic I'm covering here. The focus below is workers compensation insurance, not car insurance....

What does business insurance cover for? Or imagine you run a small shop in Alexandria, KY and want to know how to protect your business from common risks. Business insurance is the safety net that helps a company recover from disruptions and legal exposures. Below is...

What will liability insurance not cover? Imagine a guest slips on your porch in Hebron, KY and sues. Your liability policy may handle their injury claim and your legal defense. But there are plenty of situations liability insurance typically does not cover, and it...

What are the 4 types of insurance coverage for a home? Or imagine your furnace fails in the middle of winter and you need a place to stay. Knowing the basics of your home policy makes those moments less stressful.The four main coverages1. Dwelling protectionThis...

Does insurance cover hitting a deer? Picture this: you’re driving near Madeira, OH at dusk and a deer jumps into the road. Your heart races and your car takes a hit. What happens next with your insurance?Short answerIn general, damage from hitting a deer is handled by...

What is the meaning of car insurance?If you typed that because you are sorting out business coverage in Cincinnati, here is a clear answer about a different but commonly confused policy: workers compensation insurance. Below I’ll explain what workers compensation...

What does business insurance cover for? Imagine a client slips in your shop in Covington, KY, or a cyber attack locks up your customer records. Business insurance is the tool that helps protect your company from the financial fallout of incidents like those.Core...

Question: What is the difference between full coverage and liability insurance?The quick answerIf someone else is hurt or their property is damaged and you are held responsible, liability insurance steps in. It helps cover legal defense and any damages the court or...

What is the 7 year rule for life insurance? Or maybe you heard it at a kitchen table in Harrison, OH and want to know what it really means.Short answerThere is no single, standard "7 year rule" built into life insurance policies. Life insurance products , term life,...