Posts Tagged: Coverage

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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

Common Insurance Mistakes to Avoid

Buying insurance? Here's what to avoid.  In this day and age, insurance is essential. Policies protect us when we’re out on the road, at work, and are with us for years and years. Personal insurance is always coverage worth investing time and money into as the protection can be endless. Even so, many people often don’t take the time to learn their policy or choose the wrong one altogether. Insurance mistakes can cost you big, so it’s important to know what obvious mistakes to avoid! Under-Buying It’s easy to go online and purchase the first policy that you see. In doing so, you could be buying the wrong coverage and limited protection. For example, if you purchase the state’s minimum requirements for auto insurance, you could be leaving your brand new car exposed. Not only would your liability limits be lower, but you could end up exceeding your coverage – leaving you to foot ... 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
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