The Insurance Answer Guy

Learn the basics of your experience modification factor. Read more about worker's compensation here.

I’m going to tell you a very personal story about why you need life insurance. I know firsthand the toil and the mess it brings to your family when you don’t have the life insurance you need to protect them in the event that the unexpected and unthinkable happens. Read more about life insurance here.

A lot of people ask, “What does workers’ compensation cover?” If you are a contractor or business owner, it is very important for you to understand how workers’ compensation works and how your employees are covered. Today we will discuss lost wages, death benefits, lump sum settlements, and medical bills.

Workers’ compensation audits are the bane of most business owners' existences. Today we will give you several helpful tips for your audit so that you don't end up overpaying on your workers’ comp premiums. Find out more here!

Everybody calls in and says, “I need full coverage on my vehicle.” The question is, what exactly is full coverage? There are a lot of different coverages out there—comprehensive, collision, towing, labor, rental car coverage, new car replacement, and OEM parts repair. What exactly is full coverage?

You’re about to buy a new house and you need to get homeowners’ insurance. What should you be looking for? Today, Andrew Darlington explains what you need to know about home insurance. We'll discuss replacement cost vs. actual cash value, additional coverages, liability, and more! To read more about home insurance, click here.

Let’s talk about workers’ compensation insurance—who has to have it, and who doesn’t? Here are the basics of who counts as an employee, who is excluded and included, and the differences in workers' comp coverage between different industries. Learn more here!

Today we will be talking about auto insurance: first and third party coverages, uninsured and underinsured motorist coverage, and the coverages you need. Learn more about auto insurance here!

Most people in America don't have enough life insurance to support their family. In today's podcast, Andrew will tell you exactly how much life insurance you need to protect and provide for your loved ones.

How much life insurance should you get? Do stay at home moms need life insurance? In today's podcast, Andrew explains what you need to know about life insurance to make sure you have the right coverage.