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Business insurance is not a one size fits all product. The type of coverage you need depends on many factors, such as what kind of business you have and where you conduct your operations. Overall, companies need general liability and property insurance. If you have people working with you, you also need workers' compensation. READ MORE >>

When you get into an accident that seems relatively minor, you may end up surprised when your insurance company declares your vehicle totaled. Also known as declaring a total loss, this decision relies on different information than you might expect. READ MORE >>

If you have renters in your home, be they tenants or roommates, in a scenario where you are the owner, and they're the renter, you are technically a landlord. Your home insurance is going to be affected in different ways. Here's what you need to know: Many providers will allow up to two roommates with no changes being made to your policy. READ MORE >>

In one year, tired driving accounted for around 72,000 crashes, totaling 800 deaths and 44,000 injuries. Even if you manage not to fall asleep at the wheel, drowsiness slows down your reaction time and hinders your ability to think coherently and make smart driving decisions. Put simply, it's not worth the risk. READ MORE >>

When it comes to what is and isn't covered on home insurance the line is usually drawn at one simple question: Was there anything you could have done to prevent the damages? This is why we check our plumbing for leaks and keep our smoke detector batteries fresh. One area that many homeowners neglect, however, is ventilation. READ MORE >>

Have you ever thought how much you actually knew about insurance as a kid?  Of course not!  But we did at Almeida & Carlson and thought it was worth sharing.  Here’s a list of a few classic board games that taught us about insurance before we got to middle school! READ MORE >>

While the holidays are a time to spread good cheer, they’re also a time where you may be left crying, “Oh no!”  Here’s a list of 5 watch outs and some tips to avoid making this holiday season memorable for the wrong reason. Over the river and through the woods. READ MORE >>

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  • 2014

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