Insuring a Bright Future

The answer to this may be easy to say but maybe not as easy to do. You need to understand your personal health care needs and choose Medicare coverage to help meet them. For example, if you take prescription drugs right now, when you get Medicare, you need to make sure you get Part D prescription drug coverage through either a stand-alone Part D plan or a Medicare Advantage plan.

Premium rates are typically based on factors such as age, gender, height, weight, health status (including whether or not you use tobacco), and if you participate in high-risk activities or occupations.

Business liability insurance is any commercial insurance that involves a business’s responsibility for losses, injuries, or damages. Types of liability insurance include:

• General liability insurance to cover customer injuries and property damage
• Professional liability insurance for work mistakes that negatively impact a client
• Commercial auto insurance for accidents involving business-owned vehicle
• Employer’s liability insurance to protect against employee injury lawsuits