Your home insurance bill arrives in March. Life insurance payment hits in October. That umbrella policy you added last year renews in June. You’re managing three different companies, three sets of login credentials, and three customer service numbers you can never find when you actually need them. Here’s what nobody tells you about keeping insurance policies scattered across multiple carriers: you’re probably overpaying by hundreds of dollars a year. Insurance companies bank on customers staying…
Insurance audits catch most business owners off guard. You got your commercial insurance NJ policy, paid your premium based on estimates, and figured you were done until renewal. Then the auditor shows up asking for payroll records, employee classifications, and documentation you haven’t thought about in months. These audits determine your final premium for the year. If the auditor finds discrepancies between what you estimated and what actually happened, you could owe thousands more. Or…
