Insurance for Equestrians

horse insurance

Horses are your life. You live for the smell of hay, the warm body of the gentle giant underneath you. Whether you show your horse and/or take them to the rodeo, what better way to take care of your tall friend than by investing in horse insurance?

Unconventional, but Worth It

If you’ve never thought about buying horse insurance before, you might be curious how it works. Well, there are a few ways that it can be used, but the bottom line is to find the use that works best for you. Some examples include:

Equine mortality and medical. This is a sad thought, but horses are as much of an investment as any other big purchase. Insurance will cover your horse in case of an emergency: If he needs medical help, surgery or passes away during an event.

General Liability. You have liability insurance to protect you from someone suing you if they’re injured at your home, and horse liability is much the same. If a third party is injured by your horse, you are covered from legal fees.

Theft. You would be devastated if your horse was stolen, and while no amount of money can replace him as an individual, you will at least be compensated.

Your horse is your pal and companion, but he is an expensive one. Make sure he’s covered from expensive fees in case something goes awry.

How to Choose an MGA

transport program mga

How to Choose an MGA

If you’re in the transport industry, then you might want to think about hiring a transport program MGA. MGAs are specialized insurance brokers. They act on behalf of the insurer and have a close relationship with the client. If you need a Transport Program MGA, here is what you need to do.

Research the MGA

Does the MGA have experience in your industry? Can you trust it to have the information that can help you make an educated and solid decision? Research the MGA ahead of time. Figure out what products they offer and how much experience and knowledge in your niche that they have.

Research the Products

When it comes to trucking or transport products, it’s crucial that you have auto liability coverage that tends to the needs of the trucking industry. There are specialized coverages that are best for truckers. In addition to the right products, you should expect to find competitive pricing and broad coverage with the package options that you have. Some of the common coverages are:

Auto liability

Trailer interchange

Physical damage

General liability

Excess auto liability

Make sure that you find options that fit your target class. For instance, container haulers and produce haulers may have different needs. In order to make sure that you get the insurance products that you deserve, you should do your best to research the Transport Program MGA in advance. Make sure that you receive adequate coverage from an experienced source.

What Makes Insurance Agencies Great

Los Angeles contains the headquarters of some of the most important companies in the world. This economic growth has also increased the population growth of the city. Each of these new residents and business owners requires insurance protection that is as tough as LA. Thankfully there are quite a few agencies to choose from. However, the top insurance companies Los Angeles has to offer share a few great qualities that allow them to stand out from the competition.

Trustworthiness

The top agencies you’ll find here in LA operate with integrity. Each places its client’s needs at the forefront of their priorities. When you place your assets under their care, you can trust that they are being cared for by a team of professionals.

Diverse Lines

The top insurance companies Los Angeles contains have lines as diverse as the local population. They provide plenty of commercial lines for industries like food service, healthcare, energy, construction, entertainment and transportation. These agencies also work with individuals and families to build a package of personal protection that lasts.

Flexible Rates

No one wants to pay high rates even for quality insurance. LA agencies are also capable of providing amazing insurance that doesn’t reflect the priciness of the rest of the city. The best companies work with your budget in their mind before creating a contract.

If you want to experience what LA has to offer, make sure to talk to a local agency so you can do so with a great shield of protection.

Ways to Stay Healthy in the Summertime

As the weather changes to sunshine and the days last a little longer, it can be easy to forget how harmful the warmer weather can be. In the throng of summer fun, dont forget about taking care of yourself during the hot months.

Drink Enough Water

Health insurance Miami to Seattle will cover you if you need to visit the hospital, but try not to! Stay hydrated, especially on hot days. Carry a water bottle with you wherever you go and try to stick with the old eight, eight-ounce glasses of water per day rule of thumb.

Limit Sun Exposure

Have fun in the sun, but be safe in it too. Lather up in sunscreen before going outside, and be sure to reapply regularly. Wear a baseball or wide-brimmed hat to protect your face from overexposure.

Take Breaks

Aside from harmful effects on the skin, too much sun can be dangerous and lead to heatstroke. If you and your family are outside for the day, be sure to take a break from the sun every so often. Sit in the shade, drink water and cool down.

Avoid heatstroke and dehydration during the summer by taking some common-sense precautions. Protect your skin from the sun and drink plenty of water to have a safe, happy summer.

Key Factors Affecting Your Boat Insurance

boat insurance estimate

Buying a boat is a fun way to enjoy the warmer weather this summer. A boat insurance estimate includes a variety of factors that assess the risk factors of you and your boat.

Safety

Safety on the water is a huge issue that can lower your risks of claims and thus lower the costs of your boat insurance. It’s essential to have the necessary safety equipment such as life jackets and flares on the boat. Much like a defensive driving course can save you money on your auto insurance, a safety course on boating can help you save money.

Drivers

Another critical thing the insurance company looks at is who plans to drive the vessel. A good driving record can help lower your boating insurance. The amount of experience the driver was operating a boat can also impact the rates.

Use

How you plan to use the boat can impact your insurance rates. Using the boat for recreation or fishing in salt water may have different prices. Where you store it and the location for mooring can all impact costs.

An insurance agent can give you a boat insurance estimate over the phone. To get a comprehensive analysis, you should speak to the agent and thoroughly answer any of their questions. They want to make sure you are safe and protected out on the water.

Top Benefits of a Seasoned Chief Claims Officer

diamond insurance claims

As Vice President and Chief Claims Officer at WQIS, Harry Diamond lends his over two decades of experience to the company to assist in claims. Diamond insurance claims sit at over 2,500 since he started at the company in 1995. That experience brings our clients some real benefits.

Industry Changes

Having over two decades of experience, Diamond has seen the changes within both the insurance industry and the marine industry. Using that experience, he has been able to help clients manage their claims.

Spill Response

Diamonds timely response to oil spills less than a year after starting the company helped establish the company as the best spill response insurer. A timely response is critical to mitigating environmental disasters caused by spills. Being able to respond quickly regardless of whether the spill occurs on the Atlantic coast or the Gulf of Mexico is a huge benefit for our customers.

Public Relations

Maintaining a good relationship with the Coast Guard and the public keeps WQIS in a positive light. Trusting an insurer who has a good reputation can bring your own business benefits.

Diamond insurance claims and response time have helped make WQIS what it is today. Trust our decades of positive reputation and insurance experience to handle your marine insurance needs. Should you need to file a claim, we have the experience to handle it.

What You Need To Know About the Defense Base Act

defense base act insurance

Defense Base Act insurance offers workers compensation insurance to civilian employees on US military bases. The act ensures that civilian employees are protected if they are injured or become ill while working overseas for a US Company on a military base. The DBA has federally mandated protection.

Details

The insurance is similar to standard workers compensation in how it works, but there are some differences. The program covers disability, death and work-related injuries. The policies differ in that many offer 24-hour liability coverage to cover the employers increased liability to their employees. Certain employees may be eligible for higher benefit levels.

Employers

As an employer with US citizens, those employees need DBA insurance coverage when working on a government contract overseas. Regardless of the industry, your business operates in, the insurance is required to maintain your government contract.

Consequences

Failure to provide DBA insurance for your employees can result in serious consequences for the employer. The federal government may impose fines, loss of contracts and penalties. In more serious situations, the employer may be imprisoned.

If you have employees working outside the US on a military base, make sure you have a Defense Base Act insurance policy in place. Your business may save money by bundling the DBA insurance with other business insurance policies.

Keeping Company Drivers and Vehicles Safe

new jersey commercial auto insurance

Keeping Company Drivers and Vehicles Safe

Auto insurance can help keep you safe on the road, but it’s not just for your personal life. If your business uses company vehicles for any reason, you need New Jersey commercial auto insurance. That way, your drivers and your vehicles can be protected if anything happens on the road.

The Scope of Coverage

Whether your vehicles are used on a regular basis by your employees or are used only occasionally for certain events, you can build an auto insurance policy for your business that reflects your needs. The coverage can include the following:

Collisions

Drivers without proper insurance

Medical costs

Repair expenses

Legal fees Natural disaster damage

Theft

A basic liability plan can be added to so it includes extra limits and umbrella coverage, depending on your business needs. This coverage also protects you and employees when your employees are on company time but in their own vehicles and an accident occurs. That comprehensive coverage means your business, vehicles and employees can be covered no matter what the situation is.

Be Prepared for the Unexpected

Owning company vehicles can be convenient for the business, but it also comes with a high-risk factor. New Jersey commercial auto insurance provides various levels of protection for your vehicles and drivers that are based on the type of vehicles you own and how the company uses them. That way, you can be protected before an accident happens.

Protections for Multimedia Professionals

multimedia insurance

Protections for Multimedia Professionals

Many of those who work in the multimedia industry enjoy providing information and entertainment to the masses. It can be rewarding to use various platforms to communicate and connect with others. However, like all industries, there are many unique challenges for which people in this field must prepare. Because a mishap can take a financial toll on a company and shift focus away from producing quality work, many of these professionals must make it a priority to put protections in place to cover their reputations and their investments. One of the most effective ways to do that is by getting multimedia insurance.

Careers in the Industry

There are many types of careers that fall under the multimedia category. Although they vary in the type of platforms they use, they still share similar exposures. Some of these areas of work include the following:

Broadcasting

Advertising agencies

Publishing

Websites and other online content

Getting a solid coverage plan can help with a variety of potential issues. For example, personal injury, discrimination, damages, fraud and malicious acts are just a few. Legal disputes, including contract discrepancies, can also be time-consuming and costly to handle. Luckily with the backing of a policy as specialized as multimedia insurance, it is comforting to know many of these issues are covered.

How to Find the Best Insurance Rates for Nursing Homes

nursing home insurance rates

How to Find the Best Insurance Rates for Nursing Homes

With an aging population, the nursing home industry continues to change. More facilities are necessary and more than before, there’s a growing need for better insurance policies for healthcare facilities. If you own a nursing home, how do you know if you’re getting the best nursing home insurance rates? The answer is that if you don’t do adequate research, you won’t know.

Look for Experience

The nursing home industry is a niche industry. If you want the best rate possible, then you need to work with an insurer that understands the complexities of running a nursing home. This insurer will know what you need for your facility and will be able to give you fair rates when it comes to insurance coverage.

Look for Customer Service

Talk to your potential insurer about your options. The insurance company should be able to answer any questions that you have. They will be able to help you determine the best coverage for your situation. The rates heavily depend on your establishment. You have to weigh out the size of the business and the different risks involved.

A nursing homes insurance rates are going to vary by company and vary based on business. Its important for you to find an insurance company that has a special interest in the nursing home industry. This way you can find the best nursing home insurance rates available.