D&O Insurance. Directors and Officers (D&O) Insurance protects the personal assets of your startup’s leadership team — including founders, executives, and board members — if they’re sued for decisions made on behalf of the company. 📉 It also covers legal fees, settlements, and judgments resulting from alleged wrongful acts, including: Tech Startups Need D&O Insurance. … Read more
📌Considered Self-Employed. If you work for yourself and don’t have access to an employer-sponsored health plan, you’re considered self-employed. This includes: If you have employees, your options may shift into small business group plans instead of individual coverage. Self-Employed Individuals Buy Health Insurance. Health Insurance Marketplace. Best for: Affordable ACA-compliant plans with subsidiesPlans available: Bronze, … Read more
Business Interruption Insurance. Business Interruption Insurance (also known as Business Income Insurance) is a commercial coverage that reimburses a business for lost income and extra expenses when it cannot operate normally due to a covered peril, such as: It does not cover physical damage itself — that’s the job of your commercial property insurance — … Read more
AI in Insurance. Artificial Intelligence (AI) in insurance refers to the use of machine learning, natural language processing, and predictive analytics to automate, personalize, and optimize every aspect of the insurance process — from risk assessment and pricing to claims management and customer support. In the U.S., insurers are increasingly relying on AI to determine … Read more
InsurTech (Insurance Technology) is reshaping how insurance is sold, bought, and managed in the USA. From AI-powered claim processing to app-based policy management, here are the leading InsurTech apps making waves: Lemonade Category: Renters, Homeowners, Pet, Life InsurancePlatform: iOS, Android, WebFounded: 2015Headquarters: New York, NY Key Features: Why It’s Changing the Industry:Lemonade uses chatbots and … Read more
🧠 Professional Indemnity Insurance (PII). Professional Indemnity Insurance (also known as Errors & Omissions insurance) covers freelancers or service-based professionals from claims of financial loss due to: 📌 It’s not about property or injury — it’s about your work causing a client financial harm. 👤 Freelancers Need It (Even if You Work Remotely) As a … Read more
Pet healthcare is expensive — especially dental surgeries and emergency care. A well-rounded pet insurance policy should include accident, illness, emergency treatment, and dental procedures like extractions, gum disease, and injuries. ✅ Dental & Emergency Coverage Matters. 🦷 Dental Health Is Critical 🚑 Emergencies Are Unpredictable Emergency vet visits range from $800 to $5,000, depending … Read more
🚗 1. Why EV Insurance Is More Expensive Electric vehicles like Teslas and Rivians typically cost 20–40% more to insure than gas cars due to their price, specialized parts, and repair complexity policygenius.com+7valuepenguin.com+7smartfinancial.com+7. 🧠 2. Tesla Insurance: Telematics & Safety Scores 🔸 Tesla Real‑Time Insurance 🔹 Pros & Cons 🔸 Third‑Party Options 🔸 Cost Estimates … Read more
📌 1. High-Risk Life Insurance. High-risk life insurance is tailored for individuals with elevated mortality risk due to health issues, lifestyle, occupations, or hobbiesInvestopedia+13unbiased.co.uk+13aflac.com+13. Common factors include: Such applicants may be placed in substandard or rated classes, leading to higher premiums or exclusionsWikipedia+7Forbes+7Investopedia+7. 📄 2. Policy Options Available 🕒 Term Life Insurance 🛡️ Whole Life … Read more
🌍 What Makes Nomad Insurance Unique 🩺 Top Insurance Providers for Digital Nomads in 2025 1. SafetyWing 2. World Nomads 3. Heymondo 4. Genki (formerly Now Health) 5. IMG Global 6. Cigna Global 7. GeoBlue & Aetna International (US-based) ✅ Other Noteworthy Plans 💵 Expected Costs for a 30–40-Year-Old Provider Plan Type Est. Monthly Premium … Read more