5 Small Business Basics for Liability Insurance

As an owner of a small business, you must protect your business from potential lawsuits and that’s where liability insurance comes into play. Liability policies vary greatly depending on what kind of business you own. You should do some research on a liability policy before placing your coverage. We have come up with five things you should think about before purchasing. 1.       Liability insurance is available in many different forms. a.       Commercial General Liability is a very broad insurance product. This is insurance that covers claims from accidents, injuries or negligence when the business is at fault. Personal injuries, property damage, libel and slander are just a few examples of how small businesses can be faced with if damage is done while doing a job. b.       Product liability insurance covers the legal fees for litigation involving a faulty product. It also covers any personal or property dama ...
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10 Boating Safety Tips

  It’s always a good idea to review boating safety rules before you set sail, no matter how much experience you have. We have found 10 basic boating safety tips to help keep you safe while you are on the water this summer. Be Weather-Wise: Always check your local weather before you depart. The TV and radio forecasts can be a useful source of information. If you notice darkening clouds, rough changing winds or a sudden drop in the temperature, please play it safe and get off the water. Follow a Pre-Departure Checklist: Proper boating safety should include being prepared for anything on the water. By following a pre-departure checklist, you have the best way to make sure no boating safety rule have been overlooked or forgotten. Using Common Sense: Using your common sense is one of the most important parts of boating safety. You should be operating at a safe speed at all times (especially in crowded boating areas), staying alert at all times and staying clear of large vessels that ca ...
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Wedding Insurance and Picture Ideas

You have set the date for your big day and you are planning everything to the “T”. While you are planning think of photos you would like to have after your big day is done. We have come up with 20 photo opportunities that you might want to use, along with wedding insurance options. You might not think the two go hand in hand, but without the protection of an insurance policy, you probably won’t be completely relaxed during your wedding and it might show in your pictures. Wedding Attire Insurance Once you are engaged, one of the most exciting pre-wedding purchases is buying your wedding dress. We have all seen the TV show dedicated to purchasing the perfect gown. All that excitement can disappear in an instant if something goes wrong with the dress. As a bride, you will more than likely need alterations. So you go to a tailor for your first fitting and they take the correct measurements, so you thought, but at your next fitting the dress is too short and you realize they mixed up measureme ...
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Tips For Barbecue And Grilling

Everything has risks. Knowing what those risks are and how to reduce them is the secret to success. When cooking outdoors, whether hot and fast grilling or low and slow barbecue, there are a few things you need to know to make sure nothing goes wrong. Fire anywhere else can make your summer kick-off barbecue memorable for all the wrong reasons. Combining explosive fuels with food, hot metals, and large groups of people can be a recipe for disaster if you are not careful. Of course, there is more to outdoor cooking safety than just the fire. Tips for Charcoal Grills: There are several ways to get the charcoal ready to use. Charcoal chimney starters allow you to start the charcoal using newspaper as a fuel. If you use a starter fluid, use only charcoal starter fluid. Never add charcoal fluid or any other flammable liquids to the fire. Keep charcoal fluid out of the reach of children and away from heat sources. There are also electric charcoal starters, which do not use fire. Be sure to ...
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Lawsuit Against Contractors And The Lesson Learned

It doesn’t matter if you have been a contractor for six months or twenty years, you know that Murphy is never far away from the work site. Things can and will go wrong on a regular basis, and this is why contractor insurance exists, to protect everyone involved. Having the right contractor insurance program in place assures you the business owner that if an honest mistake or an oversight will not destroy your business and it also assures the client that no matter what might happen, there is enough liquidity on the table to compensate them for the damages. Contracts Contribute to Damages Determining the single party to be at fault is extremely difficult. The actions or oversights of multiple parties create the conditions for damage to occur. Even then, conditions must sometimes be combined with an act of God to create an actionable claim. In some cases, the drafters of the contract itself can unwittingly push contractors into a corner where they are financially incentivized to make unsound decisions ...
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Differences Between Condo Insurance and Homeowners Insurance

Do you live in a condo, just bought one or are thinking about downsizing and getting one, you likely have questions about insurance. Do you get condo insurance or is it the same as homeowner’s insurance? And do you even need it? All excellent question. To state the obvious, a condominium is not a house. Therefore, the insurance policy is going to be different. Second, rules and policies differ from complex to complex, so be sure to ask as questions to make sure you get the right coverage for your condo. There are six components in both condo and homeowner’s policies that differ ever so slightly. We will discuss them below. For a condominium policy: 1.       Primary Dwelling Coverage: Insurance for the structure of the unit. 2.       Other Structures Coverage: Does not usually apply for a condo unit. 3.       Personal Property Coverage: Covers the contents of your unit. Examples: jewelry, clothin ...
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Commercial Auto Insurance Tips

If you own a business, you know that to run it you need equipment to operate. Some business equipment you could need are cars. If your business uses a car in its operation, you may need to purchase the protection of a commercial vehicle insurance policy. These are some factors to help you determine if your business is required to carry a policy like this: If your vehicle is owned by your business or corporation If your employees regularly operate your business vehicle If you are in the delivery or transportation business If you lease your business vehicles to others If your vehicle has a gross weight or load capacity over a specific number If your vehicle has specific features that qualify it as a commercial vehicle If your vehicle needs extra liability protection because of your line of work When you are ready to equip your business vehicles with proper commercial auto insurance, make sure that you use these tips: Manage Your Credit Score: Some insurance carriers will use your credit score to help i ...
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Navigating Outings Safely with Food Allergies

Celebrations with family and friends almost always center around food. While these visits are simply good times to many, for families of food allergy sufferers, an invite can mean preparing for a stressful event. People with food allergies experience reactions when they touch or eat food they are allergic to. Allergic reactions occur within minutes and can be very serious, even life threatening. Common symptoms include itchy hives and swelling, be can progress to include difficulty breathing, difficulty swallowing, vomiting, loss of consciousness, and unfortunately, even death. People with food allergies need to avoid exposure to their allergen and there is no safe amount the can eat – even trace amounts can cause symptoms in some people. Even though food allergies are become more common (affects 1 in every 13 children under the age of 18), many people are unaware or in disbelief of how sick they can become. Interacting with someone who is well intentioned but has a poor understanding of food allerg ...
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Protecting Yourself From Pool and Trampoline Dangers

Did you know that many home insurance companies will not cover policyholders with trampolines and have restrictions for policyholders with a pool. Check with us or current insurance agent before buying a trampoline or pool. Also please let us know if you have already purchased one. If you file an insurance claim involving a trampoline or pool (especially if your insurance company didn’t know you had one), you are not only going to experience higher insurance bills, but you could have trouble finding an insurance company willing to underwrite your future coverage. We have complied a few tips to help protect yourself and your loved ones from these common warm-weather hazards. Trampolines = Trouble More than 1 million people went to the emergency room for trampoline-related injuries between 2002 and 2011, with about 300,000 injuries involved broken bones. The American Academy of Pediatrics Web site states, “Adult supervision will not adequately prevent injuries on home trampolines. Trampolines ...
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Tips For Keeping Your Family Safe From The "Silent Killer"

Every year, at least 430 people die in the US from accidental CO poisoning. About 50,000 people in the US visit an ER yearly due to accidental poisoning.  Carbon monoxide is an odorless, colorless gas that can kill you. That is why it is important to know how to prevent it, detect it and protect yourself and your family from it. With temperatures in the low teens and single digits, some people may crank the heat up, hover at the stove or even warm up the car before hitting the road. Carbon monoxide is found in fumes produced by burning fuel in cars, stoves, grills, fireplaces, gas ranges or furnaces. Since you cannot detect carbon monoxide without a carbon monoxide detector, please make sure you have one installed on each level of your home and check or replace the batteries when you change the time on your clocks in the spring and fall. It is also recommended that you replace your carbon monoxide detector every five years. Symptoms of CO poisoning are best described as “flu-like” ...
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