News 新消息 | My Site

🚀 Just launched your new business but haven’t hired anyone yet?

You might wonder — “Do I still need workers’ comp insurance?” 🤔

Here’s the deal:

✅ If you’re a sole owner with no employees, it’s not required.

💡 But getting coverage for yourself can still protect you from work injuries your health insurance won’t cover.

💪 It’s optional, but a smart move for peace of mind and future growth.

👩‍💼 Always good to plan ahead — I can help you find the right policy for your new business!

Your personal auto insurance may NOT cover you while ridesharing or delivering food.

👉 Uber’s insurance only kicks in during a trip. When you’re waiting for a request, there could be big coverage gaps.

✅ The solution? Ask your agent about a rideshare endorsement or a commercial auto policy. It costs a bit more, but protects you from denied claims.

📩 DM us if you’re starting Uber/UberEats—we’ll help you review your policy so you’re fully covered!

🛑 Away for Months? Your Home Insurance Might Not Pay! 🏠💧

If your house sits empty for more than 30–60 days, your homeowner’s policy might limit or deny coverage—especially for things like long-term leaks.

✅ Insurance “vacant” means no one’s living there—even if it’s fully furnished.

✅ Damage that sits for weeks? Often excluded as “neglect” or “long-term damage.”

✅ First steps if you find damage:

1️⃣ Document everything (photos + videos)

2️⃣ Call your insurance company

3️⃣ Be honest about your timeline

4️⃣ Let the adjuster inspect

💡 Pro Tip: If you’ll be away, have someone check in regularly or add vacancy coverage. It’s cheaper than a denied claim!