Am I really protected?

Many people do not understand the purpose of insurance. For example, a business owner has a huge fire that destroys most of his store. Well, the immediate concern would be..how am I going to pay for all my stuff, right? A couple days later, that same business owner is realizing that he is taking money out of the settlement to pay for bills and expenses that he is incurring outside of the rebuild. Here is where understanding insurance is vital and can save you thousands. Many business owner policies have a coverage that pays for any lost income that occurs due to a covered loss. What does that mean to the insured? It means that for as long as it takes to get back up and running, the insurance company will pay him outside of the initial settlement so that he can pay his mortage, put groceries, on the table, and even pay your employees to make sure they are still there when you back to work. Understanding what is included and excluded from your policy is as important as understanding how to drive a car. A car isnt there to sit in your garage and collect dust, but rather to get you from point A to point B. If you bought a car and never drove it..why did you buy the car. Take some time and look at your insurance policies and make sure you understand it. If you get confused, make a call to your agent, or call 866-452-4344 and find someone to help you. Protecting yourself properly and understanding those coverages before something happens can save you thousands in the end.