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.
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.
- 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
- 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 Property And Business Interruption Insurance - Learn how commercial property and business income insurance work together.
- Difference Between Property And Casualty Insurance - Learn about the difference between property & casualty insurance.
- Flood Insurance Requirements For Commercial Property - Learn about commercial flood insurance requirements and coverage.
- Does General Liability Insurance Cover Subcontractors? - Do commercial general liability policies cover subcontractors?
- Employers Liability Insurance vs Workers Compensation - Learn the similarities between workers comp and employers liability insurance.
- Excess Liability Insurance vs Umbrella - What is the difference between commercial umbrella and excess liability policies?
- How Much Is Insurance For A Small Business? - Get an idea of how much commercial insurance costs for a small business.
- How To Calculate Commercial Property Insurance Rates - Learn how to calculate business property insurance costs.
- How To Handle A Small Business Insurance Claim - Learn useful steps on how to deal with a commercial insurance claim.
- 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.
- Umbrella Insurance vs General Liability Insurance - Learn how commercial umbrella insurance and general liability insurance compliment each other.
- Understanding ACORD Certificate Of Insurance - Learn about Certificates of Insurance (COI), and how they are used to show proof of insurance coverage.
- 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
- 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.
- Contractors General Liability Insurance
- 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.
Condo Insurance Articles
- Condo Insurance vs Homeowners Insurance - Learn the similarities & differences between condominium and home insurance.
Contractors Insurance Articles
- Cheapest Contractor Insurance - Learn how to find the affordable insurance for contractors.
- Contractors General Liability Insurance - Learn how general liability insurance can protect contractors.
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.
Enviromental Insurance Articles
- Contractors Pollution Liability - Learn what type of contractors should carry pollution insurance and why.
- Pollution Legal Liability Insurance - Learn about PLL and how it ca protect businesses from massive environmental claims.
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.
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.
Homeowners Insurance Articles
- 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.
- Homeowners Insurance vs Flood Insurance - Learn the differences between homeowners & flood 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 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.
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.
- 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.
- What Is Microinsurance? - Learn about microinsurance - a modern type of insurance for protecting low-income population's property.
Nonprofit 501(c) Insurance 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.
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
- Pet Insurance - Is It Worth the Money? - Are there differences between professionl liability and malprctice insurance?
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.