Home-Based Business Insurance

Posted on Sun, Jul 05, 2015

Fotolia_84459949_XSSetting up an office in your home is a great, low cost idea for housing a new small business.  While you’re planning you business expenses, consider your insurance needs as well.  In an article from the Insurance Information Institute, some thought provoking questions are listed.  The Small Business Administration also has great information for building a successful business including business plans, SBA loans, business management, and educational seminars. 

Whether you’re running a part-time, seasonal or full-time business from your home, you’ll want to carefully consider your risks and insurance needs. Starting a business—even at home—can be a challenging venture, and having the right insurance can provide a financial safety net and peace of mind.

Your insurance choices should, in part, be based on the type of business you operate. For instance, if you’re a sole practitioner home-based accountant, you’ll have very different insurance needs than your neighbor who runs a childcare business. When considering insurance for your business, here are some questions to ask yourself:

  • What type of business do I run? What are the potential risks faced by your type of business?
  • What is the value of my business property? Do you have expensive equipment, such as cameras or commercial printers? Do you stock valuable business inventory, such as gemstones?
  • Does my business have employees?
  • Do customers or contractors visit my business at my home?
  • Do I use my car or other vehicles in the course of my business operations?
  • Does my business store customers’ financial and personal information on a computer or through a cloud computing service?

The answers to these questions will guide which types of insurance to purchase—and how much coverage you’ll need. For your home-based business, the main types of insurance to consider include the following:

Property and Liability Insurance

Depending on the nature of your home-based business, you’ll need insurance to protect the value of your business property from loss due to theft, fire or other insured perils. You’ll also need liability protection to cover costs if someone is injured as a result of visiting your business or using your product or service. Your homeowners insurance may provide some protection for your business, but it may not be sufficient. Options for property and liability insurance for home-based businesses include:

  • Adding an “endorsement” to your homeowners policy
  • Stand-alone home-based business insurance policies
  • A Business Owners Policy—or BOP—which combines several types of coverage

Business Vehicle Insurance

Your personal auto insurance may provide coverage for limited business use of your car. But if your business owns vehicles or your personal vehicle is primarily used for business purposes, you’ll need business vehicle insurance.

Workers Compensation Insurance

If you have employees, you’ll want to strongly consider purchasing workers compensation insurance to cover costs if an employee is hurt on the job. Workers compensation insurance provides wage replacement and medical benefits to employees injured in the course of employment, in exchange for relinquishing the right to sue the employer. In some states, workers compensation insurance is mandatory, so be sure to check your state’s workers compensation website for local requirements.

Other types of insurance may be suitable for your home-based business as well. We welcome your call and will happily supply you with the information you need to make a good, knowledge-based decision.

Dean & Draper is a Trusted Choice insurance agency representing over 200 insurance companies. For over 35 years we have offered a trusted freedom of choice to our clients.  ContactUs.

Topics: Business Insurance, property insurance, auto insurance, workers compensation, Liability Insurance, Home-Based Business Insurance,


Posted on Thu, Jul 02, 2015


Dean & Draper's office will be closing at 3:00 p.m. today and closed on Friday, July 3rd. Regular business hours will resume on Monday, July 6th.  

Topics: Dean & Draper News

Lightning Safety & Insurance Coverage

Posted on Sun, Jun 28, 2015

Fotolia_53756145_XSThe recent storms in southeast Texas have given us all a new respect for lightning and possibly brought up some thoughts about insurance coverage for both home and business.

Just how much lightning are we talking about?  Thanks to its location on the Gulf Coast, Texas is among the world's hot spots for lightning strikes.  And Houston is the lightning center of Texas, recording about 1,700 strikes in June and July each year, according to research at Texas A&M University.


According to the National Oceanic and Atmospheric Administration, NOAA, lightning results from the buildup and discharge of electrical energy between positive and negatively charged areas. Most lightning deaths or injuries occur when people are on a golf course, near water, or standing under trees for shelter. The late afternoon or early evening hours during the summer are the most common times for lightning casualties nationwide, but they can occur just about any time of year near the Gulf coast. The Gulf coast has the highest incidences of lightning strikes annually throughout the U.S.  For more information from NOAA,click here. 

Lightning Mapping Array

Texas A&M University has installed a Lightning Mapping Array, LMA, around the Houston.  Twelve sensors are distributed around the Houston metropolitan area in order to provide total lightning data for the fourth most populated American city.

The primary research goals of the network are to investigate the structure of total lightning within thunderstorm development and to examine any potential impact of the urban environment on lightning characteristics. Furthermore, the proximity to the coast and the Gulf of Mexico presents the opportunity to examine the total lightning structure within tropical cyclones that impact the southeast Texas coastline. The availability of real-time LMA data additionally provides a decision support tool for advanced warning of thunderstorm development.  To see real time LMA maps of the Houston area, click here.

Lightning Coverage and Safety

Damage caused by lightning, such as fire, is covered by standard homeowners and business insurance policies. Some home and business insurance policies provide coverage for power surges that are the direct result of lightning striking a home or business. There is also coverage for lightning damage under the comprehensive portion of an auto insurance policy.

With the explosion in the number and value of consumer electronics in homes, such as flat screen TVs, home entertainment centers, multiple computers, gaming systems and other expensive devices, it is more important than ever to take precautions.

The Insurance Information Institute offers the following tips to protect homes and businesses against power surges and lightning strikes: 

Install a lightning protection system. A lightning protection system supplies structural protection by providing a specified path on which lightning can travel. When a building is equipped with a lightning protection system, the destructive power of the lightning strike is directed safely into the ground, leaving the structure and its contents undamaged.

The system includes a lightning rod or air terminals at the top of the house that can be disguised to look like a weather vane and wires to carry the current down to grounding rods at the bottom of the house.

According to the Institute for Business & Home Safety (IBHS), the lightning protection system needs to be securely anchored to the roof; otherwise it may whip around in a storm and damage the building. So make sure to have a licensed electrician install your lightning rod and protection system.

Use surge protectors. Today’s sensitive electronic equipment is particularly vulnerable to lightning. To assure the highest level of protection, UL-listed surge arrestors should be installed on electrical service panels. Installations typically include surge arrestors for the main electric panel, as well as incoming phone, cable, satellite and data lines. 

Surge arrestors protect against damaging electrical surges that can enter a structure via power transmission lines. By filtering and dissipating the harmful surges, arrestors prevent electrical fires and protect against electrical discharges that can damage a building's electrical system, computers, appliances and other systems. UL-listed transient voltage surge suppressors can also be installed to protect specific pieces of electronic equipment. Keep in mind that power strips offer little protection from electrical power surges.

Unplug expensive electronic equipment. As an added precaution, unplug expensive electronic equipment such as TVs, computers and the like if you know a storm is approaching.

Wondering if your insurance policy covers lightning strikes?  We would be happy to have a conversation with you to answer your questions.

Dean & Draper is a Trusted Choice insurance agency representing over 200 insurance companies. For over 35 years we have offered a trusted freedom of choice to our clients.  ContactUs.

Topics: homeowners insurance, Business Insurance, Business Safety, Lightning Safety

6 Game Changing Medical Tests

Posted on Sun, Jun 21, 2015

senior-citizen-health-conditions-739389Seems like the array of medical tests increases daily.  Our friends at AARP published their list of the newest generation of tests that are game changers backed by real science.  Here are the 6 tests that identify who’s at risk for certain diseases as well as determine the best treatment.  For the complete article written by Margery D. Rosen in the AARP Bulletin, click here.

1. Less-guess prostate test

Men diagnosed with prostate cancer have a tough choice among a range of options: from surgical removal of the prostate — difficulty with urination and impotence can be side effects — to watchful waiting. The Oncotype DX prostate cancer test is making the decision easier. By analyzing genetic information in a biopsy, the test distinguishes between slow-growing tumors that warrant regular monitoring and faster-growing tumors that demand immediate treatment.

2. Meds and genes

Medications affect people in different ways. "By analyzing each person's genetic code, it's now possible to predict which drugs will work best for each patient and which ones are ineffective and possibly dangerous," says Dietrich Stephan, M.D., a professor and chairman of the department of human genetics at the University of Pittsburgh Graduate School of Public Health.

The Food and Drug Administration has posted on its website more than 150 medications for which DNA screenings can help avert futile treatments or adverse reactions and determine optimal dosages.

3. Blood simple

Elizabeth Holmes, a 31-year-old Stanford University dropout and self-made billionaire, vowed to revolutionize the field of blood testing — and she's doing it, one pinprick at a time. With a few drops drawn from a poke in your fingertip, the formula patented by Holmes' company, Theranos, can perform more than 200 blood tests — from standard cholesterol checks to sophisticated DNA analyses. Theranos delivers results to doctors within a few hours. What's more, the cost is a fraction of what competing labs charge.

4. Dreading that colonoscopy?

Some people have a new alternative: the PillCam COLON2. Recently approved by the FDA, it's a disposable, battery-run video camera in a capsule you swallow. Traveling through you for up to 10 hours, the PillCam transmits high-speed color pictures of its journey to a recording device, attached to a belt around your waist, which relays those images for your doctor's review. For now, the PillCam is available only for people who can't have a traditional colonoscopy.

5. Heart trouble ahead?

Researchers at the Cleveland Clinic have found a correlation between people's level of a substance called TMAO (trimethylamine-N-oxide) and cardiovascular trouble. In a study, those with the highest levels of TMAO — produced when you digest choline, found in eggs, red meat and dairy products — had double the risk of death, heart attack and stroke compared to those with the lowest levels. "But with this test, we can give them personalized nutrition information so they can begin to make heart-healthy food choices," says Roizen, author of the book This Is Your Do-Over. The Cleveland Clinic expects TMAO tests to be commercially available this year.

6. Your personal ECG

AliveCor Heart Monitor (about $75), ECG Check by Cardiac Designs (about $129) and similar monitors use your smartphone to record an accurate electrocardiogram (ECG) and send it to your doctor. You simply attach a thin device with built-in sensors onto the back of your phone and download a free app. With a smartphone handy, you can whip it out at the first sign of light-headedness or heart palpitations and simply rest your fingers on the sensors.

Dean & Draper

We hope that you will find this new information about medical tests useful.  At Dean & Draper, we are here to answer your questions about your health insurance and to guide you through purchasing the insurance you need.

Dean & Draper is a Trusted Choice insurance agency representing over 200 insurance companies. For over 35 years we have offered a trusted freedom of choice to our clients.  ContactUs.

Topics: health insurance, Health Tips, Aging Well, Medical Tests


Posted on Tue, Jun 16, 2015

As a precautinary measure and for the safety of our employees our office will be closed today. Weather permitting we will resume normal business hours on 6/17/2015. You can reach a customer service respresentative by calling our main number and pressing 7 during the message.  Thank you.

Summertime Bugs, Bites, Stings, and Burns

Posted on Sun, Jun 14, 2015


It’s finally summer and we’re all ready for a change of pace.  The backyard, beach, and all outdoors beckon and we’re all too ready to oblige.  


Before you head out, how about a few tips from our friends at AARP Magazine to keep you safe and comfortable?

Bugs, Bites, and Stings

Angry wasps

Wasps are aggressive, so hightail it out of there if you disturb a nest. If a wasp gets you, remove the stinger with a fingernail or tweezers and apply a topical antihistamine.

Buzzing bees

Swarming bees are not usually after you; they're protecting the queen. But if a swarm does attack, cover your nose and mouth, then call 911. Stings can be deadly.

Bloodthirsty mosquitoes

Repellents with DEET work best. Want to go chemical-free? Keep the bloodsuckers at bay with citronella or a fan — or try soybean oil on your skin.


Ticks can transmit diseases and are notoriously hard to avoid, but tucking long pants into your socks and wearing long-sleeved shirts are a good first defense. Plus, consider planting American beautyberry. Crush the leaves and rub them on your skin to release chemicals that repel ticks and also mosquitoes, advise scientists at the U.S. Agricultural Research Service. If you do find a tick, use tweezers to grasp it as close to the skin as possible and pull up with steady, even pressure, making sure you get the whole bug. Clean the bite and your hands with rubbing alcohol or soap and water. If the area shows a target-shaped rash afterward, see your doctor — it could be a sign of Lyme disease.

Stinging jellyfish

If tentacles are sticking to the skin, rinse with salt water and scrape off barbs with a Popsicle stick or credit card. Depending on the type of jellyfish, vinegar can stop the stingers from continuing to fire, says Joseph Burnett, professor emeritus at the University of Maryland School of Medicine. Don't believe the old wives' tale that urine can relieve the pain of a jellyfish sting. It won't help.

Fire Ants

No blog about stings and bites would be complete without mentioning those pesky fire ants.  Fire ants are sensitive to vibration or movement and tend to sting when the object they are on moves.  For example, when fire ants swarn up a person's leg, the person jerks or moves.  Usually, whatever causes one ant to bite and sting triggers the other ants to sting to the same response.

If you get stung, there isn’t much you can do except watch the affected area for excessive swelling, itching or redness, or other symptoms like shortness of breath, thickening of the tongue, sweating, etc. that could indicate a severe systemic allergic reaction. If this occurs, seek medical attention. Otherwise treat stings as you would stings of other insects and keep them clean and intact to avoid secondary infections.  For FAQs from the Texas Extension Service and information on getting rid of fire ants, click here

First Aid

A splinter in your thumb

First, cut a square from a banana peel and put it white-side down on the splinter. Then cover it with a bandage. The enzymes in the peel will draw out the splinter.  No banana? Spread Elmer's glue on the splinter, let it dry and peel it off.

Sand in your eye

Rinse your eye with saline solution if you have it, plain water if you don't, says Jerry Sebag, an ophthalmologist in Huntington Beach, Calif. Rinse for three minutes, then apply eyedrops. Close your eyes and cover them with a cool compress for 10 minutes to reduce inflammation. Warning: Don't rub — doing so could scratch your cornea, a painful condition indeed.

Heat exhaustion

Your internal cooling system doesn't work as well as you age, so if you're feeling dizzy or light-headed and your skin is clammy, those are sure signs you're becoming overheated. Immediately find shade and elevate your feet, then rehydrate with cool water. (Avoid ice water, which is not as easily absorbed.) Pouring cool water on your wrists and feet can also help lower your body temp more quickly.

Summer Fun

We’re wishing you a fun-filled, safe summer.  When you have questions about insurance or want to shop your coverage we invite you to call us. 

Dean & Draper is a Trusted Choice insurance agency representing over 200 insurance companies. For over 35 years we have offered a trusted freedom of choice to our clients.  ContactUs.

Topics: health insurance, Health Alert, Summer Safety

Living Benefits for Life Insurance

Posted on Sun, Jun 07, 2015

imagesCARFPH6OGenerally Life Insurance is thought of as a benefit for loved ones on the event of the policy holder’s death or loss of income.  Now there’s another choice – Term Life that also features living benefits that can be used while the policy holder is still alive. 

Living Benefits

Three living benefit riders included with the policy at no additional premium include:

  • Critical Illness
  • Chronic Illness
  • Terminal Illness

How do these benefits work?

These three benefits are Accelerated Benefit Riders, meaning you have the option to accelerate, or take a portion of your death benefit early, in the event of a serious illness.  Here’s how these benefits work:

  • You have the choice to accelerate up to 95% of your death benefit
  • Your current health condition and life expectancy determine the actual amount you can receive, which will be less than your accelerated amount
  • You have the ability to accept the offer or maintain your initial death benefit
  • If you accept the benefit offer, your premium is reduced proportionally based on your new lower death benefit

Critical Illness Benefit

The Critical Illness Rider gives you the option to accelerate a portion of your death benefit if you are diagnosed with a heart attack, stroke, cancer, renal failure, major organ transplant, or ALS.

Chronic Illness Benefit

The Chronic Illness Rider gives you the option to accelerate a portion of your death benefit if you are certified by a Physician as being unable to perform at least two ADLs or activities of daily living (bathing, continence, dressing, eating, toileting, transferring) or if you require substantial supervision due to severe cognitive impairment. 

Terminal Illness Benefit

The Terminal Illness Rider gives you the option to accelerate a portion of your death benefit if you are diagnosed as terminally ill with a life expectancy of one year or less. 

Examples of the benefits

Critical Illness Benefit

At age 40 Randi purchased Term Life with 30-year duration and a $250,000 death benefit.  Randi is diagnosed with breast cancer at age 62.  Randi chooses to exercise her critical illness rider and receive a portion of her death benefit early.  She plans to use the money to help the family cover her medical expenses and make up for her husband’s lost income while he cares for her.

  1. Base Policy Death Benefit = $250,000
  2. Randi accelerates 95% of her death benefit or $237,500
  3. Her actually benefit amount will be based on the severity of her illness and its impact on her future life expectancy.  Given her condition, Randi receives a benefit of $143,238.
  4. Randi can use the benefit for any purpose.
  5. Her remaining death benefit is now $12,500.  Her future premium will be reduces based on her new lower death benefit.

Chronic Illness Benefit

Joe purchased Term Life at age 60 with a 20-year duration and a $200,000 death benefit.  Ten years later at age 70, Joe is suffering from complications related to COPD that have left him unable to perform two ADLs.  Joe decides to exercise his chronic illness rider to help pay for his care assistance.

Two years later, Joe’s condition has not improved and he decides to exercise his rider a second time to pay for his extensive medical costs.

Joe passes away one year later.  His beneficiaries will receive his remaining death benefit which will help them pay for his final expenses.

  1. Base Policy Death Benefit = $200,00
  2. First Election: 50% of death benefit or $100,000.  His actual benefit amount will be based on the severity of his illness and its impact on his future life expectancy.  In Joe’s case, he receives a lump-sum benefit of $82,030 which can be used however Joe wishes.
  3. Second Election: Joe accelerates 90% if his remaining death benefit or $90,000.  He receives a lump-sum of $73,469 based in his current life expectancy.
  4. Joe dies at age 73.  His remaining death benefit of $10,000 is paid to his beneficiaries.

Terminal Illness Benefit

At age 50 Howard purchases Term Life with a $150,000 death benefit and 20-year duration.  When Howard is 65, his doctor informs him that he has less than 12 months to live.  Howard exercises his terminal illness rider and plans to use the money to take his children and grandchildren on a family vacation while he is still able to do so.  He passes away 9 months later.

  1. Base Policy Death Benefit = $150,000
  2. Howard accelerates 95% of his death benefit or $142,500.  He receives a benefit of $134,434 which he can use for any type of expense.
  3. His remaining death benefit of $7,500 is paid to his beneficiaries upon his death.  His premium is reduced proportionally.

For More Information…

At Dean & Draper we are always ready to answer your questions, provide additional information, and help you make decisions about your insurance. 

Dean & Draper is a Trusted Choice insurance agency representing over 200 insurance companies. For over 35 years we have offered a trusted freedom of choice to our clients.  ContactUs.

Topics: Life Insurance

8 Ideas for Keeping Your Cell Phone Charged in a Power Outage

Posted on Sun, May 31, 2015

Mobile smart phones charging on wooden desk © Bacho Foto

In Texas we have been blessed or cursed, depending on your point of view, with record rain for the entire month of May – enough to cover the whole state with 8 inches of water.  Nearly everyone has had to wait out flooded streets, creeks, and rivers.  Of course we all phone home to let our near and dear know where we are.  And so the drain on the cell phone battery begins. 

We thought some tips on conserving cell phone battery life would be useful as you are waiting for the water to recede around you.  Our sources for the excerpts for this blog, click on 5 Ways to Keep Your Phone Charged in a Power Outage by Doug Gross, CNN and 15 Tricks for Getting Way Better Smartphone Battery Life by Ben Taylor, Time.com.   

Top 8 ideas for Keeping Your Phone Charged

Laptop Battery

Use your laptop as a battery for your cell phone.  Of course that means you have to plan ahead and have your USB cord with you. 

Juice Packs  

Purchase for $100 or less and they are available for both Apple and Android devices. Alternately, battery-powered backup chargers can provide several full charges for your mobile devices after the usual electrical options are gone.

Disable background app data for all non-essential apps.

Many apps run in the background, even when you’re not using them. This makes sense for things like email and social media.  Do you really need your games, notes, and music players gobbling up battery resources 24/7?  Turn off notifications for all but your most important apps.

Sure, you want your text messages to come through on your lock screen, but do you really need every MLB score from across the league? You can even customize your notifications down to where they appear, from banners to sound alerts to the lock screen.

Closing Apps

Apps that run in the background, track your location or send you push notifications can end up being a big drain on your battery. Each of those problems can be addressed individually, but why not just delete those dozen apps you used once in 2013 and haven’t touched since

Stop Your Phone from Checking Your Location

GPS navigation sucks the juice right out of your device.   After all, your phone is working constantly to track your spot on the map.

Don’t obsessively close apps

For years, “close all your apps” was the most popular battery saving tip in the world of smartphones. When you leave an app open in the background, then access it a little later, your phone is smart eno

ugh to let you pick up where you left off, with minimal harm to battery life. If you keep closing and re-opening the same apps all day, you end up taxing your phone a whole lot more than necessary. It’s a little like turning off and starting up your car every time you hit a stoplight.

Airplane mode

If all else fails, there’s still good old Airplane Mode. It might render all your phone’s bes

t features useless, but it’s guaranteed to stop the bleeding. After all, a smartphone gone dumb is still better than a smartphone gone dead.

We hope that you have survived the month of May here in Texas.  If you have dama

ge to your property and are one of our customers, we invite you to call.  We are ready to move your claim through the process as quickly as possible. 

Dean & Draper is a Trusted Choice insurance agency representing over 200 insurance companies. For over 35 years we have offered a trusted freedom of choice to our clients.  ContactUs.

Topics: homeowners insurance, flood insurance, casualty insurance, decluttering


Posted on Tue, May 26, 2015


Is Ridesharing Too Good to Be True?

Posted on Mon, May 25, 2015

Dollars in the pocket of jeans © timonkoThinking driving for a ridesharing service?  Sounds like a great way to make some money using your own car in your spare time.  Before you run out and sign up, according to an article, 5 Things Drivers Need to Know Before Working for a Ridesharing Service, written by Galen Hayes for PorpertyCasualty390.com you have a few things to think about first. 

“Ridesharing services, or transportation network companies (TNCs), are everywhere. Uber alone signs up an estimated 20,000 drivers each month worldwide. The service is particularly popular with millennials who appreciate the lower transportation costs and how easy it is to use the app from their phones.”

“You have a nice car and could use extra cash. You sign up to be a driver, install the app and soon you are driving people around and making money. Is it too good to be true?”

Five Things to Consider

1) It isn’t “ridesharing”

Ridesharing is “the act or an instance of sharing motor vehicle transportation with another or others, especially among commuters,” which sounds more like carpooling and doesn’t involve a fee or contract.

2) How much does TNC insurance coverage really protect?

According to most TNCs, automobile liability insurance coverage is offered to drivers.  As a driver, these policies allegedly become your insurance policies from the moment you get a fare until the transaction is closed, where coverage presumably reverts back to your personal auto insurance policy.

What does your personal auto insurance carrier say about this?  You could have some coverage issues.  

3) Your own insurance probably won’t protect you

TNCs require that drivers provide license, registration, and a copy of a current personal auto insurance policy.  Your insurance policy doesn’t usually offer protection while you are working for a ridesharing service.  Typical personal automobile liability policies exclude coverage for business conducted via personal vehicle. 

4) Don’t ask, don’t tell

Don’t ask, don’t tell just might work if you don’t have an accident. If you do, you could lose your personal auto policy coverage for:

Failure to disclose.  Check your policy for language just above the signature line that sounds like “any misstatement of warranty or fact on this application shall be considered a violation of coverage afforded under any policy issued on the basis of this application.”

Usage is important. Driving for a TNC changes not only the usage description of your vehicle, but also your exposure to accidents. Driving back and forth to work is significantly less exposure than driving around town for fares all day. 

5) Make money or lose your shirt?

Inc.com did research on the time and effort required to earn a living wage working for a ridesharing service. They found that once you factored in insurance, fuel and maintenance charges, it takes a lot of rides to earn a solid wage.  And these costs don’t take accidents into consideration. An accident while driving for a ridesharing company can reach deep into your wallet.

To drive or not to drive?

There are many pending insurance issues involving TNCs. California (among other states) as well as Germany, Thailand and other countries have issued cease and desist orders based on situations where TNCs have avoided taking responsibility for cases that involved injury, rape and death.  

The insurance industry is also trying to catch up, but in the meantime there are huge gaps in coverage for TNC drivers. Until a hybrid or multi-use policy rolls out nationwide, drivers risk their personal auto insurance coverage and financial ruin well into their future every time they pick up a passenger.  Insurance requirements may be on the way for ridesharing companies in Florida.  

The sharing economy is still in its infancy and changing every day. Current and prospective TNC drivers must be wary of the assumption that these companies provide coverage.

Dean & Draper is a Trusted Choice insurance agency representing over 200 insurance companies. For over 35 years we have offered a trusted freedom of choice to our clients.  ContactUs.

Topics: auto insurance, Ridesharing