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man comparing life insurance policies

Term vs. Whole Life Insurance: Which is Right for You?

Choosing between term life insurance and whole life insurance is one of the first decisions you will have to make. Understanding the key differences between these two types of life insurance policies will help you make an informed decision.

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Understanding the Basics of Life Insurance

Whether you’re just starting to explore the world of life insurance or seeking to refresh your knowledge, this guide will walk you through the fundamental concepts and help you make informed decisions about this essential product.

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Insurance Industry Update

I hope that you find the below information useful, and I hope that it helps explain what is happening in the insurance world today. It won’t matter what carrier you are with, this is an industry issue. The insurance marketplace is tightening up and it’s happening fast. It’s happening especially fast for home and auto

Full Coverage Auto Insurance – Am I Covered?

The most common question we get at the JG Petit Insurance Agency when someone has been involved in an accident is “Am I covered?” The answer will always depend on the policy coverage they’ve selected. What is Full Coverage? It’s a common misconception that having full coverage means you’re covered for anything that happens to

workers reviewing site plans

The Small Business Guide to OSHA Compliance

The best way to keep the cost of your Workers’ Compensation policy down is to ensure that you minimize the number of claims that you make, by providing a safe workplace for your employees. What is OSHA? OSHA is part of the U.S Dept. of Labor. In 1970 Congress passed the Occupational Safety and Health

construction workers

Are Your Staff Employees or Independent Contractors?

If your staff are classified as Employees, then California law requires that you have Workers’ Compensation Insurance in place. To learn what coverage the Workers’ Compensation policy provides both your business and your staff check out our Workers’ Comp Explanation. Misclassification of staff as Independent Contractors when they are actually Employees can be a costly

clogged gutters

7 Tips to Protect Your Home from Water Damage

Most Homeowner policies cover damage to your home from sudden and accidental water damage, such as burst pipes, wind or storm driven rain, or melting snow. However, water damage caused by poor home maintenance, such as overfilled gutters or a poorly maintained roof, are not covered. As with all policies, your claim history will affect

driving

9 Ways to Save Money on Car Insurance

Here in California, Car insurance is a legal requirement and driving without insurance can lead to fines and penalties of up to $2,500.00. Any vehicle that is driven or parked on a roadway must be insured and evidence of this insurance must always be carried in the vehicle. Car insurance is not a one size