As a senior citizen or caretaker of an older person, preparing for and protecting against a fire, flood, hurricane or other disaster can be a special challenge.

Crucial steps businesses can take to protect both their facilities and finances in the event of a natural disaster.

The facts about flooded cars

Like other natural disasters, floods can create enormous damage to properties and vehicles. Flood vehicles offer a tempting opportunity for criminals to defraud unsuspecting consumers.

A classic, custom, collectible or antique car requires insurance that reflects your vehicle’s uniqueness and value. If you own—or are thinking of owning—a special set of wheels, find out about the kind of policy you need.

Like any residence, your vacation home needs to be insured—but because the risks are different, the coverage might cost more than your primary homeowners policy. Before you leap into second-home ownership, consider the factors that will likely affect the price you’ll need to pay for insuring it.

Hurricane season takes place June 1 – November 30 every year. Don’t wait until after you have a loss to check your insurance—review your homeowners or renters policies to make you have the right coverage in the event you're hit with a destructive storm.

Across the country, businesses are choosing to go green. In addition to helping the planet, environmentally friendly practices and facilities can enhance the reputation of a business and lower its energy and water costs. Businesses are also encouraged to go green by government tax credits and other incentives.

While environmentally friendly buildings and equipment can provide numerous benefits to businesses, they also add costs and risks. Insurers have responded by offering policy options to protect a business’s investment in going green.

A specialized type of professional liability insurance, medical malpractice insurance provides coverage to physicians and other medical professionals for liability arising from disputed services that result in a patient’s injury or death. A majority of American doctors face at least one medical malpractice lawsuit in the course of their career.

If you operate an aviation business, you’ll want to consider purchasing specialized aviation insurance. Because operating and servicing airplanes and helicopters entails numerous risks, several types of aviation insurance are available, including: