Health Insurance
There are essentially two types of health insurance plans: indemnity plans (fee-for services) or managed care plans. The differences include the choice of providers, out-of-pocket costs for covered services and…
Business Insurance
What Does a Businessowners Policy (BOP) Cover? Insurance companies selling business insurance offer policies that combine protection from all major property and liability risks in one package. (They also sell…
Renters Insurance
If you rent a house or apartment and experience a fire or other disaster, your landlord’s insurance will only cover the costs of repairing the building. To financially protect yourself…
Worker’s Compensation
WHAT IS WORKERS COMPENSATION INSURANCE? Employers are legally obligated to take reasonable care to assure that their workplaces are safe. Nevertheless, accidents happen. When they do, workers compensation insurance provides…
Life Insurance
There are two major types of life insurance—term and whole life. Whole life is sometimes called permanent life insurance, and it encompasses several subcategories, including traditional whole life, universal life,…
Homeowner’s Insurance
What coverage is included in a standard homeowners insurance policy? A standard homeowners insurance policy includes four essential types of coverage. They include: Coverage for the structure of your home.…
Commercial Auto Insurance
What Does Auto Insurance Cover? At Rosenthal Insurance Services we can tailor an auto insurance quote to meet your needs and budget. Your auto policy may include six coverages.…
Personal Umbrella
If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgements against you and your attorney's fees, up to a…
Employment Practices Liability
EPLI covers businesses against claims by workers that their legal rights as employees of the company have been violated. The number of lawsuits filed by employees against their employers has…
Annuities
In its most general sense, an annuity is an agreement for one person or organization to pay another a stream or series of payments. Usually the term “annuity” relates to a…