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Carvo Financial Group

How Does Workers’ Compensation Work?

Q: What is workers’ compensation insurance?Workers’ compensation insurance is a type of coverage that protects both employers and employees. It provides benefits to employees who are injured or become ill due to work-related conditions while shielding employers from potential lawsuits arising from workplace incidents. Q: Who is required to carry workers’ compensation insurance?In most states, […]
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Commercial Crime Insurance Explained: Protecting Your Business from Fraud and Theft

Q: What is commercial crime insurance? A: Commercial crime insurance is a specialized policy designed to protect businesses from financial losses due to crimes like employee theft, fraud, forgery, or burglary. It provides critical coverage for risks that standard property insurance policies often exclude. Q: Why is commercial crime insurance important for businesses? A: Crime […]
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How to Get Cheap Commercial Auto Insurance

Q: What is commercial auto insurance, and why is it necessary? A: Commercial auto insurance covers vehicles used for business purposes, protecting against risks like accidents, theft, and liability. If your business owns vehicles or employees drive their own vehicles for work-related tasks, this insurance is crucial. It not only ensures compliance with legal requirements […]
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Who Carries Builders Risk Insurance?

Q: What is builders risk insurance? A: Builders risk insurance is a specialized policy designed to cover buildings under construction. It protects against damages caused by events like fire, theft, vandalism, and certain weather-related incidents. The coverage typically extends to the structure, materials, and equipment on-site. Q: Who needs to carry builders risk insurance? A: […]
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Medicare and Social Security: What You Need to Know

Medicare and Social Security are two pillars of the U.S. social safety net, but understanding how they work together can be a challenge. In this Q&A-style blog, we’ll address the most common questions about Medicare and Social Security, and how Carvo Insurance Group can help you navigate the process with ease through instant online quotes, […]
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Employer Benefits for Remote Workers: What You Need to Know

As remote work continues to redefine the modern workplace, employers must adapt their benefits packages to meet the evolving needs of their teams. Offering tailored benefits for remote workers not only improves employee satisfaction but also enhances retention and productivity. In this Q&A-style blog post, we explore the essentials of remote worker benefits and how […]
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Is Personal Umbrella Insurance Tax Deductible?

Q: What is personal umbrella insurance? A: Personal umbrella insurance is additional liability coverage that protects you from major claims and lawsuits. It extends beyond the limits of your regular homeowners, auto, or boat insurance policies. This type of policy provides an extra layer of protection for your personal assets, like your home, savings, and […]
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Understanding Auto Insurance for Commute vs. Personal Use

Q: What’s the difference between commute and personal use in auto insurance? A: The main difference lies in how you use your vehicle. “Commute” use is when you drive your vehicle regularly to and from work, while “personal” use is for all other non-work-related activities, such as errands, trips, or leisure activities. Many insurance companies […]
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