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Don’t Forget Bar Liability Insurance
Bar liability insurance programs are your first line of defense against claims due to damage to property or bodily harm to a patron. To be able to sell liquor at a bar is important. It’s often one of the main appeals of a bar. However, it does come with its share of risks. Here is why you never want to forget bar liability.
Most states require a bar to have some type of liquor liability insurance. Keep in mind that the laws may vary from state to state. Some may be more rigid than another state. However, if you don’t have insurance, you could break your business with the amount you have to pay.
The cost of going to court is expensive. If you don’t have insurance and someone files a claim against you, you have to pay all of those fees out of pocket. Most businesses don’t have the cash flow necessary to handle those costs. Bar liability insurance programs pay for your legal fees.
When it comes down to it, you don’t want to be caught without liability insurance. This is particularly true when you run a bar or restaurant that serves alcohol. While serving alcohol is fun and you want your patrons to have a good time, no one can deny the risks that you have to account for.
Staffing firms have unique insurance needs. The staffed positions may vary from one firm to the next and so specialty insurance companies are crucial to the industry. A good medical staffing firm insurance program needs to protect against all risks, such as general liability, professional liability and workers’ compensation.
General liability simply protects your firm when it comes to property damage and bodily injury. When it comes to injuries, if one of your employees injures someone with equipment owned by your staffing firm, you may be liable. General liability is a must-have.
Professional liability insurance protects you from damages owed due to a failure to perform in a professional manner. Don’t be fooled into thinking your general liability covers this. Often, it does not. In medical firms, the risk of professional liability suits is higher.
Workers’ compensation protects your employee in case of an on-duty injury and protects the firm from lawsuits based on injury. You need to make sure that your policy will cover all of your employees, no matter where they are.
When it comes to medical staffing firm insurance, there are particular policies that you don’t want to go without. General liability, professional liability and workers’ compensation are three of those coverages you need.
Whether you are an owner operator or manage an entire fleet of trucks, you need to carry truck insurance. Not only is it a part of federal regulations for acquiring your license, but it also protects your business both legally and financially in a liability situation that could destroy your efforts. The most comprehensive policy will address serious areas of concern for the busy trucker.
Who Needs Insurance
There is a wide variety of positions in the trucking industry, just as there are several different vehicle options. Quality coverage is useful for those operating:
- Dump trucks
- Dry vans
- Refrigerated trucks
- Tanker trucks
- Containerized freight
Areas of Service
Whether the routes you run are local or across the country, the need for truck insurance is the same. Different liabilities may be present with long-range transport, but all truckers encounter challenges with the safety of delivery and accident coverage. A general truckers liability policy will help cover areas of theft or vandalism, as well as accidents that can occur on the road, in parking lots or rest stops. It also covers accidents occurred during loading or unloading.
The trucking industry is a competitive field, but you can secure a long-term advantage through the right insurance policy. In addition to coverage for vehicle accidents, load theft or abandoned freight, consider a policy add-on for cargo which further protects the loads you carry.
Technology has become an essential part of running any business. Installing computer systems runs its own risks and liabilities. Computer system installation insurance protects computer installation and repair professionals from financial losses due to a lawsuit. Take steps to understand and protect your risks to prevent a financial loss due to a claim.
Computer systems are at risk from a cyber attack both your company’s and the client’s. Plus, you are still running a business with many of the standard operating risks. Housing computer supplies of clients may also increase your risks. For complete business protection, these policies cover different exposures:
- Cyber Liability Insurance
- General Liability Insurance
- Employment Practices Liability Insurance
- Worker’s Compensation Insurance
- Business Owner’s Policy
- Fidelity Bond
- Errors and Omissions Insurance
Packaging a variety of insurance policies together can better cover the increased risks and exposures of a computer system installation business. Cyber liability and errors and omissions insurance policies help protect against the technical errors and issues. Outside of the technology, the business still has employees and regular business liabilities you may want to cover.
Protecting your computer installation with a comprehensive computer system installation insurance package lets you spend more time focusing on your clients. Lawsuits can be costly and time-consuming. Don’t let one cause your business financial hardship.
Whether you own a business or home in Delaware, your assets deserve the best protection they can get. Finding an agent that understands the risks and exposures of your area is a key factor in obtaining great insurance. That is why finding a team that specializes in insurance in Wilimington can get you started the path to adequate protection.
Wilimington can provide the economic opportunity you have been searching for. However, that chance at fortune can quickly be erased without the proper insurance. Luckily, many agencies offer business insurance. An expert agent can work with your particular establishment and guide you in what kinds of policies are relevant to you. Businesses can benefit from:
- Commercial Auto
- Commercial Liability
- Commercial Umbrella
- Errors & Omissions
- Workers’ Compensation
For those interested in protecting themselves and their families, many agencies specialize in personal insurance. These can offer anything from medical coverage to auto insurance to life insurance. Certain agents specialize in specific coverage and can even build a monthly package that suits your budget.
For both personal and commercial insurance, monthly premiums can vary greatly. However, an agency that specializes in insurance in Wilimington can get you the protection you require. Operate your business and rest at home knowing you have insurance that has your back.
The insurance industry is going through monumental change. More than ever, it’s vital for carriers and agents to set themselves apart from the competition. Employing a few clever insurance marketing ideas, insurers can build an audience, nurture relationships and build their brand. Here are two quick ways you can start today:
Start a blog
One of the simplest ways to dive into content marketing is to launch a business blog. A quick Google search will reveal a number of free blogging platforms, like Blogger, WordPress and Tumblr. Get started by thinking of the questions your customers regularly ask and then answering them via a thoughtful post on your blog. Posting consistently is the trick to blogging success.
Create an E-mail Newsletter
Some consider it an old form of content marketing, but it is still one of the most effective. Encourages visitors to your website to sign up for your newsletter. Share tips and tricks each week. Like blogging, the key to success is to publish regularly and speak with an authentic voice, as in less sales and more conversation.
Content marketing is a growing field and there are plenty of insurance marketing ideas to be found within the discipline. As long as you are honest, solve customer problems and keep sales speak to a minimum, you should find success.
When you offer financial services, you protect your clients when you protect your business from losses. Otherwise, you risk being unable to deliver on your promises. Insurance for financial services cover a variety of items from those common to all businesses to those specific to the financial sector.
Worker’s compensation and commercial auto coverage are two types of insurance that every business can benefit from having, including financial services. If any of your employees are injured on the job or there is an accident involving a company car, the right insurance protects your business from undue losses.
Insuring an ATM on your property or elsewhere means you will not lose money if that ATM is robbed or damaged. If part of your services include sending money and assets via post, then mailing insurance is also useful. In general, any time something can go wrong with a transaction, you should look for insurance that can cover the possibility.
Insurance for financial services takes on many forms. Whether you need general business insurance or coverage tailored to your services, doing some research can help you save money. Protecting your transactions, equipment and employees means you can continue to provide great service to your customers, even if an issue arises.
When looking for the top contractors insurance in your area, it is important to have an agent on your side who specializes in contractors insurance. The professional exposure risk can vary depending on the type of services that are provided by contractors so having an agent that is experienced with construction services and contracts will make sure you are entirely covered.
Contractor coverage stretched over a wide field of liabilities. A specialist can help determine what exactly applies to your business. Top contractors insurance should offer several protection options including the following:
- Workers’ compensation- Covering medical expenses for employees and lost wages while they are not at work
- Contractual Liability- Protects business owners from costs deriving against property damage, bodily injury, or other third-party liabilities
- Auto quotes- Covers property damage as well as coverage for vehicles, drivers, and passengers
- Construction bonds- Also known as a license and permit bond, construction bonds are a special type of surety bond to help bid on and land specific projects you are going for
Agents providing top contractors insurance will ensure that you have the appropriate amount of coverage by reviewing your operations, contracts, and policies. Using an agent will make certain that you do not leave yourself and your business open to liability.
Trucking companies are the infrastructure of the economy, hauling billions of dollars in consumer goods across the nation every year. Although an additional expense, interstate trucking cargo insurance programs can be a game-changer in the event of cargo loss or damage.
Why Its Necessary
Many trucking companies have fallen victim to cargo theft and fictitious pick-up schemes, resulting in devastating financial loss to the company and their contracts. Trucking firms who experience loss of cargo in pick-up schemes have found it virtually impossible to recover the stolen goods, as missing trailers are long gone by the time the error is uncovered. Parking lots, breakdowns and tired or dishonest drivers are also known as easy targets for cargo theft.
What It Does
Interstate trucking cargo insurance programs offer liability coverage for cargo items in the event of theft, even when crossing state lines. Federally required trucking liability coverage is often limited to bodily or property harm occurring during a collision, but cargo insurance protects the actual contents of the trailer regardless of travel origins or destination. It is also highly probably most shippers will require a certain amount of cargo coverage before committing to a transport contract.
For a trucking company, investing in interstate cargo insurance can potentially save thousands of dollars in the event of theft during transport. Know the type of coverage you need to fully protect your cargo.
Since a homeowner’s policy is usually limited to boats under a certain size or value, and most of these policies typically don’t have the necessary provisions to cover the types of losses that may occur with a yacht or larger vessel, California yacht insurance is your best bet. Even if not required, boat insurance is designed to address the specific needs of boat owners like you.
There are policies available in the marketplace that will allow you the option of insuring your vessel for its current market value in the event of a total loss. This policy is known as Actual Cash Value (ACV), or you may opt for an agreed value policy, also known as “stated value”. Most policies are “All Risk” policies that provide coverage for a broad array of concerns that you may face, including theft, vandalism, lightning strikes, fire, grounding of your vessel or sinking, as well as any lost or stolen belongings stored on the yacht.
Protecting your valuable property
A major concern for many owners is their personal property. Purchase coverage that will protect these personal items, such as equipment used for water sports, fishing gear, and electrical equipment (stereos, communication devices, etc.). Your policy should include provisions for towing your yacht in the unfortunate event it sustains serious damage and is no longer seaworthy.
Many companies will give you the option on a policy that does not insure physical damage to your boat, and only provides a specified amount of coverage for your liability to others in the event of an accident, or protection from uninsured boaters. Read your policy carefully and purchase additional insurance to address any risks not covered.
Owners of older vessels may opt to have little or no coverage in place. But keep in mind that a collision with even a small powerboat can cause serious injuries. While you may not be found liable for those injuries, you may still end up spending a significant amount of money in legal fees if ordered to defend yourself in a court of law.
Policies intended to cover liability only are not all that expensive. It makes sense to get a quote on several different California yacht insurance policies that will allow you to make an informed decision based on the coverages available versus the cost to insure.