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Sparks Insurance, Inc. Blog: insurance

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Business auto insurance coverage can differ depending on the wording in the specific policy. However, there are traits common across most business auto insurance policies that every company should know about. Named Insured, Permissive Use and Covered Auto A business auto policy is typically written in the name of the business entity (e. READ MORE >>

It's a simple question, yet one that keeps many parents of special needs children up at night: who will take care of my child when I'm gone? Any family with such responsibility knows planning for future financial costs can be daunting: thousands of dollars for adaptive equipment such as wheelchairs and possibly tens of thousands for hospital and ongoing medical and/or physical care. READ MORE >>

The H3N2 flu strain that swept across the United States in late 2017 and early 2018 proved to be one of the worst strains in recent history. In addition to widespread illness and some deaths, this strain also caused great harm to employers due to millions of hours of lost worker productivity. READ MORE >>

The numbers are in, and FY 2017 proved to be another busy one at the Equal Employment Opportunity Commission (EEOC). During this time, the EEOC resolved 99,109 complaints. Overall, through voluntary resolutions and litigation, the EEOC secured just under $400 million for victims. READ MORE >>

The Fourth of July and spectacular fireworks displays go hand-in-hand. From 1776 until the present day, July 4th has been celebrated as the birth of American independence, with typical festivities ranging from fireworks, parades and concerts to more casual family gatherings and barbecues. READ MORE >>

Every year fireworks cause serious injuries and substantial property damage. According to the National Fire Protection Association (NFPA), fireworks start an average of 18,500 fires annually, including 1,300 structure fires, 300 vehicle fires, and 16,900 outside and other fires. READ MORE >>

Out of Memorial Day, Independence Day and Labor Day, July Fourth is the most dangerous for auto accidents, according to personal insurance auto claim data from 2012 to 2016 from Travelers Cos. The data reveals there are 7% more auto accident claims over Fourth of July and the three days leading up to it, as compared to Memorial Day and Labor Day weekends. READ MORE >>

As much as we love July 4th celebrations, our pets have a very different reaction. Communities across the United States large and small celebrate Independence Day with festivals, parades and fireworks displays as well as gatherings of family and friends. Although most people greet the festivities gladly, the story isn’t the same for pets. READ MORE >>

If your company has business property in a storage unit, you should know how your commercial insurance will apply if that property is damaged. First, some good news: many commercial property insurance policies cover items damaged while in storage. READ MORE >>

As summer settles in, intense thunderstorms and windstorms may cause extensive damage and economic loss to businesses. For much of the nation, summer also means hurricane season. Business owners should make preparations to protect employees, property and business income from potential harm caused by summer storms. READ MORE >>

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