Career and Finances

Insurance is one of the most important tools available for protecting yourself and your business from financial loss. It’s a way of transferring risk, so you don’t have to shoulder the entire burden yourself.

A key element of any insurance policy is the “name of insured.” This specifies exactly who is covered by the policy, and therefore, who is entitled to receive benefits if a covered loss occurs.

However, it’s not always as simple as it sounds. There are different kinds of “insureds,” and understanding the distinctions between them is crucial. You might have a “named insured,” an “additional named insured,” or simply an “additional insured,” and each designation carries different rights and responsibilities. This article clarifies the meaning of “name of insured” and breaks down the various types you might encounter.

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What if you don’t own a car, but you sometimes drive one? Maybe you borrow a friend’s car, or you rent a vehicle for work trips. In those cases, non-owner car insurance could be a good idea.

This type of insurance covers you — the driver — if you cause an accident while driving a car you don’t own. North Carolina allows non-owner policies, and the average cost in NC is slightly higher than the national average.

This guide provides a comprehensive overview of non-owner liability insurance in NC, so you can decide if it’s right for you.

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Non-compete agreements are contracts designed to prevent employees from working for a competitor or launching a similar business after they leave a company. While commonplace in many states, California has historically frowned upon these agreements, favoring employee mobility and open competition.

California law generally considers non-compete agreements a restraint of trade, rendering them unenforceable under Business and Professions Code Section 16600. However, recent legislation — AB 1076 and SB 699, effective January 1, 2024 — has further solidified this stance.

These changes have significant implications for employers, both within California and those who hire California residents. Let’s take a closer look at what these new laws mean for you and your business when it comes to non-compete California.

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Firefighters are vital to the safety and well-being of communities all across New Hampshire. They’re the first on the scene for fires, medical emergencies, and all sorts of rescue situations.

Interest in NH firefighter jobs is growing, making the hiring process competitive. So, let’s take a look at what it takes to become a firefighter in New Hampshire, from the requirements you’ll need to meet to the steps you’ll need to take.

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