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Read informative insurance articles about costs, coverages & options. EK Insurance provides articles on insurance aimed at helping insurance buyers make and informed choice, and to better understand the policies you already have.

Insurance Articles

Our insurance articles section is designed to provide useful insurance information.

Every quantifiable risk can be insured. Insurance is sold by insurance companies to protect you, your business and your property against the risk of loss, damage or theft. Some types of insurance you have to take out by law like auto insurance. Some you may need as a requirement for your mortgage, and others coverages might make sense like life insurance or disability insurance.

While no one wants to pay for insurance that don't need, you should always buy enough coverage to protect you from the risks you face on a daily basis.

Our goal at EK Insurance is to help inform people about what insurance is available through these insurance articles, so they can make informed decisions when they are buying polices to protect themselves and loved ones from large financial losses.

Insurance Articles From EK Insurance

Read through helpful insurance articles to help you better understand polices you own or are buying. Also browse our downloadable library here: Insurance Documents - PDF's, Whitepapers & Downloadable Information

Auto Insurance Articles

Car Insurance Discounts To Ask For - Learn how to lower your auto insurance costs by finding available discounts.
Car Insurance Premiums After A DUI/DWI - Learn how to find the best car insurance premiums after a DUI/DWI conviction.
Comprehensive Car Insurance Explained - Learn about comprehensive insurance coverage.
Comprehensive Insurance vs Collision Insurance - Learn the similarities between comprehensive & collision insurance.
How Much Car Insurance Do I Need? - Find out how much auto insurance you need to have.
How To Lower Car Insurance After An Accident Or Ticket - Learn strategies to pay less auto insurance premium after a mishap.
How To Shop For Car Insurance - Learn strategies for buying auto insurance.
Liability Car Insurance vs Full Coverage - Learn the difference between full coverage and liability only auto insurance.
Post-Collision Checklist - 7 steps you follow after a car accident.
Questions To Ask Before Buying Car Insurance - Learn good questions to ask before buying auto insurance.
What To Do After A Car Accident Checklist - Learn what steps to take after you are in an auto accident.

Business Insurance Articles

9 Of The Biggest Risks Small Business Owners Face - If you do not protect yourself as a business owner you can find yourself in all sorts of trouble and even risk losing your business.
Additional Insured vs Certificate Holder - Learn how a certificate holder and AI are different.
Are Business Insurance Claims Considered Taxable Income? - Discover the answer to this very important question.
BOP vs Commercial Package Policy - Learn how the business owners policy and the CPP are different.
Business Insurance vs Commercial Insurance - Learn how business and commercial insurance are different.
Business Insurance vs Personal Insurance - Learn how business and personal insurance differ and when you need each.
Commercial Tenant Insurance Requirements - Learn about leasee requirements to rent commercial space.
Covering Your Landlord As An Additional Insured - Learn about why some landlords want to be names as an additional insured on your liability policy..
Difference Between Property And Casualty Insurance - Learn about the difference between property & casualty insurance.
Electric Vehicle Charging Station Insurance - Learn about this emerging type of insurance for EV charging stations.
Employers Liability Insurance vs Workers Compensation - Learn the similarities between workers comp and employers liability insurance.
Fast Food Restaurant Insurance - Discover what coverage fast food business need to protect themselves.
How Much Is Insurance For A Small Business? - Get an idea of how much commercial insurance costs for a small business.
How To Handle A Small Business Insurance Claim - Learn useful steps on how to deal with a commercial insurance claim.
How To Read A Commercial Insurance Policy - A useful guide to understanding your business insurance policy.
Interior Designer Insurance Coverage - A useful guide to understanding interior design & decorating business insurance.
Primary Noncontributory vs Waiver Of Subrogation - Discover the difference between this two insurance endorsements that alter your insurance policy.
Restaurant Insurance Brokers - Learn how to identify the best broker for your food service business.
Restaurant Insurance For Food Poisoning - Learn how to protect againt food borne illnesses in your food service business.
Sexual Abuse And Molestation Insurance - Learn about this type of unique insurance coverage.
Sexual Misconduct Liability Insurance - Learn about this type of specialized insurance coverage.
Understanding ACORD Certificate Of Insurance - Learn about Certificates of Insurance (COI), and how they are used to show proof of insurance coverage.
Warehouse Legal Liability Insurance - Learn about commercial insurance coverage for warehouses that store other people's property.
What Are The Most Common Types Of Small Business Commercial Insurance? - Learn about the types of commercial insurance most small businesses may need.
What Insurance Do I Need For My Home Business? - Learn what types of insurance home businesses should have.
What Is A BOP Insurance Policy? - Learn about the businesses owners policy.
What Kind Of Insurance Do You Need For A Small Business? - Learn what types of commercial insurance small businesses need.

Commercial Auto Insurance Articles

Business Auto Coverage Form - Learn about the coverge, exlcusions and definitions of the ISO commercial insurance form.
Bobtail And Deadhead Coverage - Learn about the differences between bobtailing & deadheading insurance for your truck.
Bobtail And Physical Damage Insurance - Learn about bobtail insurance and physical damage coverage for your truck.
Bobtail Insurance vs Non-Trucking Liability - Learn the differences between bobtail insurance and non-trucking liability.
Cargo Insurance For Household Goods Movers - Learn about cargo insurance for home movers.
Commercial Auto Insurance Hired And Non-Owned - Learn about hired and non-owned commercial auto insurance.
Commercial Auto Insurance vs Personal Cost - Learn the difference in cost between commercial auto and personal car insurance.
Truckers General Liability Insurance - Learn about commercial general liability insurance for truckers.

Commercial General Liability Insurance Articles

CGL Exclusions Explained - Learn about commercial general liability exclusions and how they can limit your coverage.
Commercial General Liability Coverage Form - Get a better undertanding of the coverage and exclusions in most CGL policies.
Contractors General Liability Insurance - Learn about general liability for contractors.
Difference Between General Liability And Auto Liability Insurance - How are commercial general liability & auto liability different?
Does General Liability Insurance Cover Subcontractors? - Find out if GL covers subcontractors.
General Liability Insurance Claims-Made vs Occurrence - Learn the difference between claims-made and occurrence general liability policies.
Product Liability Insurance vs General Liability - Discover the difference between this two, often confused insurance types.
What Damages Are Covered By A CGL Policy? - Discover what commercial general liability insurance covers.
What Does Commercial General Liability Insurance Cover? - Find out in detail what commercial general liability insurance covers.
What Does Personal And Advertising Injury Mean? - Read up on this cgl coverage that is discussed that often.
What Is A Premises And Operations Insurance Policy? - What does this part of a general liability policy cover?
What Is Damage To Premises Rented To You? - Learn how this important covarge can protect you if you are found liable for a fire in your rented premises.
What Is Products And Completed Operations Coverage? - Learn about this important coverage in the general liability policy that covers finished work and products.
What Is The Difference Between Per Occurrence And Aggregate Liability Limits? - Learn the important differences between these two limits.

Commercial Property Insurance Articles

Commercial Property Insurance - Learn all about business property insurance.
Commercial Property And Business Interruption Insurance - Learn how commercial property and business income insurance work together.
How To Calculate Commercial Property Insurance Rates - Learn how to calculate business property insurance costs.
Types Of Insurance for Landlords - Learn about the types of commercial insurance available for landlords and property investors.

Condo Insurance Articles

Condo Insurance vs Homeowners Insurance - Learn the similarities & differences between condominium and home insurance.

Contractors Insurance Articles

Cheap General Liability Insurance For Contractors - Learn how to find cheap CGL insurance for contractors.
Contractors General Liability Insurance - Learn how general liability insurance can protect contractors.
Does General Liability Insurance Cover Subcontractors? - Do commercial general liability policies cover subcontractors?

Cyber Liability Insurance Articles

Data Breach Insurance - Learn about data breach insurance and how it can protect your customers information - like credit card and Social Security numbers.

Daycare Insurance Articles

Commercial Daycare Insurance - Learn the types of business insurance available for daycares.
How Much Does It Cost To Insure A Daycare? - Get an idea of how much in-home or commercial daycare insurance costs.
Unlicensed Daycare Insurance - Discover where in-home unlicensed child care providers can get business insurance.

Disability Insurance Articles

Can You Get Disability Insurance If You're Self Employed? - Find out the answer to this often asked question by self-employed business owners.

Earthquake Insurance Articles

Commercial Earthquake Insurance - Find out if your business needs earthquake insurance and how much it costs.

Environmental Insurance Articles

Contractors Pollution Liability - Learn what type of contractors should carry pollution insurance and why.
Environmental Impairment Liability Insurance - Learn what type of businesses need this coverage.
Pollution Legal Liability Insurance - Learn about PLL and how it can protect businesses from massive environmental claims.
Premises Pollution Liability Insurance - Information on coverage for pollution conditions at a covered location.
Products Pollution Liability Insurance - Learn about how this policy can cover bodily injury, property damage and clean-up costs for manufactured products.
Storage Tank Liability Insurance - Discover the risks and coverage for above and underground storage tanks.
Transportation Pollution Liability Insurance - Learn about coverage for pollution created from products while in transit.

Flood Insurance Articles

Commercial Flood Insurance - Discover how commercial flood insurance can protect your businesses property.
Flood Insurance - Learn all about flood insurance.
Flood Insurance Requirements For Commercial Property - Learn about flood insurance requirements for commercial property.
Homeowners Insurance vs Flood Insurance - Learn the differences between homeowners & flood insurance policies.
How Does Excess Flood Insurance Work? - Learn about exces flood insurance.
Private Flood Insurance vs NFIP Coverage (FEMA) - Learn the differences between Private Market Flood & National Flood Insurance Program policies.

General Insurance Articles

Do You Want A High Or Low Deductible? - Which is the smarter choice?
How Much Insurance Do I Need? - Learn ways to discover how much insurance coverage you should have to protect yourself.
Insurance Buying Mistakes To Avoid - Learn how to avoid common mistakes that insurance buyers can make.
Liability Insurance vs Property Insurance - Learn the differences between liability and property insurance.
The Importance Of Insurance Coverage - Learn why insurance is so important in our daily lives.
Types Of Casualty Insurance - Learn what types of casualty insurance are available for personal and commercial policies.
Types of Insurance Policies & Coverage - Learn about some of the many different types of business and personal insurance.
What Is The Difference Between A Peril And A Hazard? - Learn about the important difference between a peril and a hazard.

Health Insurance Articles

Group, Individual, Medicare, & Medicaid Insurance Plans - Learn about the different types of health insurance plans available in the United States.
How To Make Sure Your Health Insurance Claim Gets Paid - Discover ways to make sure your medical claim is paid after it is filed.
Medicare Basics For Families And Friends - Learn about the basics of Medicare to help yourself, your parents or your grandparents.
Understanding The Basics Of Health Insurance - Learn about medical insurance in the USA.

High Net Worth Insurance Articles

High Net Worth Homeowners Insurance - Learn about home insurance for the affluent.
High Net Worth Personal Lines Insurance - Read up on the personal lines insurance issues facing the newly wealthly.
Kidnap, Ransom And Extortion Insurance - Learn how K&R insurance can protect indivduals and organizations when traveling abroad.
Chubb High Net Worth Insurance - Learn about Chubb's Signature Suite, insurance for wealthy families.
Chubb vs PURE Insurance - Compare Chubb and PURE Insurance to see which company would better fit your hih value insurance needs.
Best Insurance Companies For High Net Worth Individuals - Discover which insurers have the right coverage for wealthy families.
PURE High Net Worth Insurance - Learn about PURE Insurance specializing in policies for financially responsible families.

Homeowners Insurance Articles

Coastal Homeowners Insurance - Learn about home insurance for costal properties.
Fire Insurance vs Homeowners Insurance - Learn the differences between homeowners & fire insurance policies.
Dwelling Coverage vs Homeowners Insurance - Learn the differences between homeowners & dwelling insurance policies.
Homeowners Insurance vs Dwelling Fire Insurance - Learn the differences between homeowners & dwelling fire insurance policies.
How To Lower Homeowners Insurance Premiums - Learn how to lower the cost of your home insurance.
Landlord Insurance vs Homeowners Insurance - Learn the difference between home & landlord insurance policies.
Questions To Ask Before Buying Homeowners Insurance - Learn good questions to ask before buying home insurance.
Vacant & Unoccupied Home Insurance - Learn about vacant & unoccupied home insurance.

Insurance Glossaries - Terms & Definitions

Health And Life Insurance Glossary - Learn about common terms and definitions used in the life & health insurance industry.
Property And Casualty Insurance Glossary - Learn about common terms and definitions used in the P&C insurance industry.
Small Business Insurance Glossary - Learn about common terms and definitions used in the commercial insurance industry.
Terminologies Used In Insurance And Their Meanings - Understand the terms and their definitions used insurance polices.

Insurance Industry Articles

ACORD Forms List - See a list of all the ACORD forms including the Certificates of Insurance.
Blockchain Technology - Use In Insurance - Learn about the uses of blockchain technology in the insurance industry.
The Big List Of Insurance Companies - See a list of hundreds of the largest and most well know insurers in the industry.

Life Insurance Articles

Different Types Of Life Insurance Explained - Learn about popular life insurance policy choices.
Questions To Ask Before Buying Life Insurance - Learn good questions to ask before buying life insurance.

Management Liability Insurance Articles

Directors And Officers Liability Insurance - Learn about this type of insurance that covers executives on board of directors and/or as an officer of a company.
Educators Legal Liability Insurance - Learn about ELL insurance that protects schools, colleges and universities.
Employment Practices Liability Insurance - Learn about EPLI and how it can protect a business against an employee's claims that their legal rights as have been violated.
Fidelity And Crime Insurance - Learn about this type of policy that protects a company from dishonest employees who steal from the business.
Management Liability Insurance - Learn about this type of policy that protects a company's executives.
Sexual Misconduct Liability Insurance - Learn about this type of policy that protects a company's executives and employees from allegations of sexual misconduct.
Sexual Abuse And Molestation Insurance - Learn about this type of policy that protects a company's from allegations of sexual abuse or molestation from it employees or officers.

Miscellaneous Insurance Articles

Bitcoin Insurance - How Cryptocurrency Is Insured - Learn about bitcoin insurance - and how the insurance industry is creating policies for insuring virtual currencies.
Commercial Insurance Coverage Gaps - Learn about common & dangerous gaps in business insurance policy coverage.
Dentist Liability Insurance - Learn about the different types of liability insurance for dental practices.
Hole In One Insurance - Learn about hole-in-one insurance, a popular form prize indemnity insurance for golf events.
Newton's Three Laws of Motion In Car Crashes - Learn how three laws of motion as laid out by Sir Isaac Newton apply to car crashes.
Types Of Alternative Risk Transfer - Learn about ART and non-traditional ways of transferring business risks.
What Is Microinsurance? - Learn about microinsurance - a modern type of insurance for protecting low-income population's property.

Types Of Insurance For Non-Profit Organizations Articles

Directors And Officers Insurance For Nonprofits - Learn about D&O liability insurance for 501(c) non-profit organizations.
Errors And Omissions Insurance For Nonprofits - Learn about E&O professional liability insurance for 501(c) non-profit organizations.
Insurance For Churches And Ministries - Learn about what type of business insurance that 501(c)(3) nonprofit religious organizations should have.

Pet Insurance Articles

Pet Insurance - Is It Worth the Money? - How much does medical pet health insurance cost, and is it worth it?

Professional Liability / Errors & Omissions / Malpractice Insurance Articles

Is Professional Liability Insurance The Same As Malpractice Insurance? - Are there differences between professionl liability and malprctice insurance?
Lawyers Professional Liability Insurance - Learn about malpractice insurance for attorneys.
Medical Marijuana Malpractice Insurance - Learn about professional liability for physicians prescribing medical cannabis.

Product Liability Insurance Articles

Medical Equipment Manufacturers Insurance - Learn why medical device manufacturers need specialized insurance to protect their operations.
Product Liability Insurance For Small Business - Learn about how product liability insurance can protect your operations.
Product Recall Insurance For Manufacturers - Learn about how product recall insurance can protect manfacturing firms in the event of a recall.

Renters Insurance Articles

Renters Insurance vs Homeowners Insurance - Learn the differences & similarities between renters and homeowners insurance.
What Does Renters Insurance Cover? - Learn what a renters insurance policy covers - and what it doesn't.

Safety Articles

Bathroom Safety Tips - Keep your bathrooms safe for your family.
Electrical Hazards In The Home - Learn where electricity poses a danger to you and your family at home.
Fire Safety Precautions At Home - Learn tips on fire safety and prevention.
Home Safety Guide - Learn useful home safey tips to prtect yourself, your family and your residence.
How To Keep Your Child's Bedroom Safe - Learn how to protect your children's bedrooms and keep them injury free.
How To Keep Your Kitchen Safe - Learn basic kitchen safety.
Poison Prevention Tips - learn how to prevent common household poisonings.
Safety Tips For The DIY Enthusiast - Useful tips to keep your do it yourself projects safe and injury free.
The Most Common Home Accidents And How To Prevent Them - Learn about common household accidents and how to avoid them.

Technology Insurance Articles

Umbrella Insurance Articles

Excess Liability Insurance vs Umbrella - What is the difference between commercial umbrella and excess liability policies?
Umbrella Insurance vs General Liability Insurance - Learn how commercial umbrella insurance and general liability insurance compliment each other.

Workers Comp Insurance Articles

How To Reduce Workers Compensation Premiums - Strategies on how to reduce the cost of your workers comp.
How Much Does Workers Comp Cost In California? - Find out what goes into workers compensation premiums in CA.
How Much Does Workers Comp Cost In Texas? - Find out what goes into workers compensation premiums in TX.
Texas Workers Compensation Laws For Employers - Discover the regulations for workers comp in TX.
Uninsured Subcontractors Workers Compensation - Discover how to cover subcontractors that don't have their own workers comp.
Workers Comp Insurance Audit - Learn about workers compensation audits and how to prepare for them.
Workers Compensation For Restaurants - Find out how to find the best deal for workers comp for food service businesses.