Posts Tagged: Agers Insurance Services

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Does Your Business Need General Liability Insurance?

Your business does need general liability insurance – and for good reason! General liability insurance protects your business from another person or business’s claims of bodily injury, associated with medical costs and damage to property! Here’s what this valuable coverage can provide for your business Bodily injury coverage: If a client falls head over heel on your premises, you may not get out of the situation with a sincere ‘sorry’. The guest can file a lawsuit, to which the coverage will cover the subsequent claim and related medical expenses up to your General Liability policy’s limits. Property damage and data loss: You spill coffee on a client’s server causing damage, loss or data, and caffeine-scented equipment. Your insurance can cover the claim, thankfully! Personal injury: Imagine, one of your employees is at lunch and talks to the owner of a sandwich shop about one of your clients in a bad way. ... Read more

DIY Home Décor Project for Summer: Succulent Bowl

Bring low-maintenance life indoors! The season of summer is almost upon us, and many of us are making the most of the beautiful flowers. However, if you’re not quite the horticulturist that you’d like to be, even your most careful attempts at keeping flowers alive fail. Why not choose charming and unique plants? Opt for succulents! They are low-maintenance, almost impossible to kill, and make delightful additions to the home. Here’s how to plant a succulent bowl for summer! What you need: A bowl – Any cereal bowl, mug, or pretty decorative bowl will do. Avoid wood or plastic. Succulents – They should go well together with varied colors and sizes. Usually warm and cool colors should not be potted together. You can find succulents at any home and gardening store or your local nursery! Cactus potting mix – This is important for the health of your succulents. Gardening shears – For a ... Read more

Business Insurance Your Startup Needs

The world of business insurance can be tricky for startup companies. Here’s what you need to know. Between generating loyal customers, correcting the revenue model, and landing your team a stellar supervisor, insurance falls way down the list of important to-dos. However, proper business insurance coverage can be critical to, and is often a requirement for, a startup’s success. Here is a breakdown of the main types of business insurance startups need and why you’ll need them! General Liability Insurance: Otherwise known as “slip and fall” insurance, this coverage goes way beyond office mishaps. Coverage ranges from all kinds of bodily injury and property damage caused by your company. Additionally, it includes the actions of your team members outside of the office as well as the use of your products by your customers. Workers’ Compensation: Workers’ Comp covers injuries to your own employees while on the job. Even if you only have one ... Read more

How Do I Choose the Right Home Insurance Deductible?

When selecting your deductible, be sure to know what you’re signing yourself up to. Homeowners know that their insurance policy is designed to protect their house and belongings throughout perils and lengthy lawsuits. However, when deciding on a policy, it’s important to understand what the deductible means for you policy. What is a deductible? Within your homeowners' insurance is a deductible. This is the total amount “deducted” from an insured loss. When filing a claim to repair your home or replace your personal belongings, the deductible would come out of your pocket. There are typically two choices of deductible types: Dollar-amount: For example, $500 “dollar deductible”. If your claim was for $10,000, your insurance company would take care of $9,500 while you paid the remaining $500. Percentage based: This is based on a percentage of your home’s insured value. If your home is insured for $100,000 and your insurance policy has a 2 percent deductible, $2,000 ... Read more

Use These Tips Before Buying Business Insurance

Now that your business is up and off the ground, you’ll need to safeguard it. Business owners are aware that they need insurance to protect their company from liability risks and financial hurdles that they may meet down the road. Once you have your business off the ground, you’ll want to ensure that one minor accident isn’t enough to take it back to square one, ridding you of finances, too. All businesses face liability lawsuits and perils of natural disasters, such as hurricanes and flooding. Before you buy first business insurance policy that you see online, check out these tips: Estimate your business’ threats Every business should cover their business’ biggest risks. From injury lawsuits to flooding, ensure that your selected policy covers it all. If your business is located near a flood plain, you’ll want to add a flood insurance rider onto your policy. Educate yourself on business insurance terms Before you ... Read more
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