Fewer Americans are driving without auto insurance, suggesting market penetration has increased in the past year, according to a new report from the Insurance Research Council (IRC).

In its “Uninsured Motorists” study, the IRC found that the number of uninsured motorists peaked in 2009 at 29.9%, and has been declining moderately ever since. In 2012, just 29.7 million were driving without insurance.

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If you rent a house or apartment, your landlord’s insurance will only cover the costs of repairing the building if there is a fire or other disaster. You need your own coverage, known as renters or tenants insurance in order to financially protect yourself and your belongings.

Renters insurance includes three important types of financial protection, Coverage for Personal Possessions, Liability Protection, Additional Living Expenses

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Running a small business involves a significant investment. Business insurance protects your investment by minimizing financial risks associated with unexpected events such as a death of a partner, an injured employee, a lawsuit, or a natural disaster. Unless you are an employer, business insurance is generally not required by law, however, it is common practice to purchase enough insurance to cover your assets.

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A standard homeowners insurance policy includes four essential types of coverage. They include coverage for the structure of your home, coverage for your personal belongings, liability protection, and additional living expenses in the event you are temporarily unable to live in your home because of a fire or other insured disaster.

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Almost two-thirds of insurers expect wearable technology to have a “significant impact” on the industry, according to a new survey of global insurance executives conducted as part of Accenture’s yearly Technology Vision report. In particular, 63% believe that wearables will see wide-scale adoption in the next two years.

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Spring is here and legions of bicyclists are taking to the streets.

Bicycling is a great way to increase health and happiness, but it’s also a liability—particularly if you live in some areas of the US. For cyclists in these states, certain insurance policies are vital.

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