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Owning a restaurant can be hectic and thats not even including the crazy schedule, managing suppliers and dealing with unruly customers. With all that going on, making sure you have the right insurance coverage is probably the last thing on your mind. As you prepare to open your new restaurant, here are three basic coverages to ask about when interviewing Albuquerque insurance agencies.
General Liability Insurance
General liability protects you in case a third party suffers an injury or property damage on your premises. If they choose to bring a lawsuit against you, your policy would cover your legal costs including your attorneys fees, settlement and judgment amounts.
As the name implies, property insurance protects your business property against damage or loss caused by certain events such as fires, storms, theft or vandalism. Your policy would pay to replace or repair your covered items which can include your building, landscaping, furniture, and digital property.
Restaurant employees face a lot of risks as part of their everyday jobs. If one of your employees were to get injured or become ill because of job-related activities, your policy would be there to cover the medical and rehab costs as well as any wages lost while he or she was unable to work.
With these coverages serving as your foundation, youre now ready to sign up for your full business insurance policy. Work with Albuquerque insurance agencies who possess the experience to help you craft the perfect policy.
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.
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.
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 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.
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.
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.
Owning a restaurant comes with many risks. In addition to the potential for economic downturns to keep your customers away, you must also be wary of criminal activity, employee injuries and other risks that can impact your financial viability. Several options are available to protect you against these risks. Below are some of the coverages you should look for when searching for restaurant insurance in Tennessee.
Crime insurance protects against criminal activity by your employees or third parties. Whether it’s employee dishonesty or robbery, your policy will cover the cost to recover your losses or pay any legal costs.
Property insurance covers the cost to repair or replace your business property in case of a fire, certain storms, vandalism or theft. Items that can be included under the policy include your building, landscaping, furniture, equipment and electronic data.
General liability protects you in case a third party files a lawsuit claiming that they sustained an injury or property damage because of your business. Your policy will pay for your attorneys’ fees as well as any damages for which you’re found liable.
Restaurant employees are exposed to numerous risks. With worker’s compensation, your policy will cover any expenses related to a work-related accident including legal and medical fees as well as lost wages.
Other coverages are available to ensure that your business remains protected. Work with an agent who’s experienced with restaurant insurance in Tennessee to craft a policy that meets your needs.
Owning a boat is an exciting experience for anyone. The possibilities of the open water make it seem liking boat ownership is all fun and games. Still, there is one issue you should worry about before heading out to sea: insurance. If you are a first time owner, then you may be asking yourself, “How much is boat insurance?”. Typically, you can expect to spend around 1% to 2% of your boat’s value every month. However, the exact amount really depends on a number of different factors.
Just like auto coverage, insurers may likely look into your boating background. If you have been involved in several accidents or have been found inebriated while sailing, then you can face higher rates than boaters with clean histories.
What you intend to use your boat for also matters. Using your boat for long fishing trips can make your insurance increase as opposed to using it for weekend recreation out on a lake.
Many insurers can lower your costs if they see you have taken a boating safety course. They view this option favorably as they see you are serious about avoiding accidents.
Other factors like past claims and location also affect your monthly prices. With this information you can now answer the question “How much is boat insurance?” for your next boat purchase.
Are you looking for New Mexico business insurance? If you’re unsure of what coverages to include in your policy, here are three options to consider regardless of the size of your company or your industry.
General Liability Insurance
General liability insurance covers you in case a lawsuit is filed by a third-party who claims that they sustained bodily injury or property damage because of your business. It covers a variety of incidents such as a customer getting injured while in your office or their car being damaged due to a pothole in your parking lot.
Professional Liability Insurance
Professional liability insurance covers you in case a lawsuit is filed by third-party who claims that the service or product you delivered caused them to experience a loss. This can range from a patient developing an illness after seeing a medical professional to a client losing money following the guidance from a financial advisor.
Commercial Property Insurance
Property insurance covers you in case your business property is damaged or lost due to a fire, certain storms, vandalism or theft. Your policy will pay to repair or replace your covered items including your building, landscaping, equipment, furniture and electronic data.
Plenty of other coverage options exist that can be included in your New Mexico business insurance policy depending on your industry. Work with an experienced agent to ensure that your new policy meets those requirements.
Many inspections and audits happen in early spring for warehouses. Regular cleaning and maintenance help reduce the Orlando warehouse legal liability. Get a jump start on your spring cleaning with these tips.
Springtime is a good time to evaluate the warehouse storage system. Whatever isn’t working, should be reevaluated for the coming year. Cleaning is a good time to make necessary changes.
When anything big happens in the warehouse, it is always best to schedule it. This way you can ensure customers and vendors don’t show up while you are cleaning.
If it’s been some time since you’ve cleaned the warehouse, chances are there is a lot of things to toss out. Dumpsters can be rented to help cart off unwanted items including trash accumulating in the space. Having one on hand during cleaning can save you much needed time.
Force yourself to take action. Spring cleaning is a great opportunity to deal with items shoved to the back in the warehouse. Those forgotten items need a home whether that’s in an organized place, the recycle bin or the dumpster. Ridding your warehouse of unwanted materials can free up space for needed items.
Take your spring cleaning to the next level by scheduling regular cleaning times. Next year’s task may not be as daunting. In the meantime, protect your investment with Orlando warehouse legal liability insurance.
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.