"Here, Estep contends that his accident occurred while he was loading his car with luggage, which was part of a greater mission of returning home to Chesapeake with that luggage," Judge Frank K. Friedman wrote on behalf of the majority. "Simply put, transporting luggage is a valid and expected use of a vehicle, and one cannot transport the baggage without first packing the vehicle."

The day-to-day of small business ownership is fast-paced, so be sure to cover your business based on its specific offerings and needs to protect your livelihood and realize your dreams.

More than 13 million properties that aren't currently vulnerable to tropical cyclones likely will be in 30 years.

According to a recent report from Jacobson, these are the hiring shifts insurers should expect to see this year.