Unexpected costs are an inevitable part of life. To proactively manage these financial risks, many people and businesses are now turning to self-insurance. This approach offers a way to prepare for ...

Nonstandard car insurance is insurance for drivers who present a greater risk to insurers, making it more expensive than standard insurance. New drivers, those with poor driving history, a lapse in ...

In the car insurance industry, “standard” refers to one of several risk-rating categories. Car insurance companies rate policies based on risk and generally categorize drivers as nonstandard (also ...

Self-insurance has become a captivating concept in today’s world, driven by the complexities and challenges of modern insurance policies. Although it presents an alternative, it’s not without its ...

With a self-insured health plan, your employer pays for your medical claims directly. With a fully insured plan, an insurance company pays claims on behalf of an employer. Both fully insured and ...