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Your insurance checklist

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With so many insurance options out there, how do you decide which ones you need to renew or which ones you purchase for your business? One thing you need to do is check with your existing insurance night (specifically renters insurance) to see if they can offer combinations of other insurance options like your employees health insurance benefits along with vehicle insurance. Having a single insurance company can often save you a lot of money plus you only need to worry about one payment to insurance companies versus 10-12 to other companies.

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Business bonding insurance helps you stay protected

manatdesk19160745.jpgHow can you protect your company from employee wrongdoing? There are numerous policies you can enact, but they don't always keep you safe. The bond insurance industry provides your best option to look after your company and to ensure it will be protected from employee wrongdoings. Loss of property due to employee wrongdoing impacts hundreds of companies. Here are the most common employee wrongdoings that you may need to worry about:

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Small businesses guide to insurance

accountant37004113.jpgUnderstanding the various insurance options that are available can be quite confusing and often frustrating to understand. As a small business owner, you want to attract new employees but without offering insurance benefits it can often be a big struggle to do. So what options do you have? This article will help you to understand what type of insurance options are available for small businesses and how you can save money and bring in great employees.

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How to lower your business insurance premiums

accountant37004762.jpgOne of the biggest expenses for any business owner is their insurance. Savvy business owners will understand that lowering your business insurance premiums is a continual process. The bottom line is that taking the time to review your premiums can result in savings. You should conduct this review annually or whenever there is a change to the business significant enough to warrant a review.

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Business insurance

accountant37004036.jpgBusiness insurance is a simple way to protect your business from undue risks. Since there are going to be some risks that come along with every industry, it is important to obtain business insurance that will keep your company safe. Small business insurance plans are available from a number of insurance providers and they are quite affordable. The only thing you need to worry about with business insurance plans is to make sure you are getting all of the coverage you need.

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How to find affordable health insurance

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Its all over the news these days. What to do about the amazing cost of health insurance? Doesn’t it seem ridiculous? Health insurance premiums are often now higher than the cost of a mortgage or car payment. You could literally be spending the majority of your income on paying for a service that is really only designed to help when a major surgery or catastrophic accident leaves you a hospital bill beyond reckoning. But we all need to have insurance. Even the local Dr. visit without any kind of coverage is absurdly expensive these days. You can’t fight the system very easily, and you need some sort of coverage, so you will need to find inexpensive coverage. In today’s market, however, these two words just seem to contradict each other. Anywhere you might go to look for insurance you end up paying a large amount of your income. If you are like most people, you just want basic care for you and your family. You expect to pay something, but you know that you probably should not be asked to pay the amount you are currently spending. It is so difficult to watch so much of your income go to pay for care that should generally be much less expensive. You can certainly use that money for lots of other important things.

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Aflac insurance - cute duck, is it a good idea?

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So we have all seen that cute duck in the Aflac insurance commercials. Great marketing ploy, but is Aflac really a good idea ? The duck sure does seem to be able to save the day in a number of different occasions, helping old women cross the street, desperately trying to get his message across to the unsuspecting and somewhat slow and stupid human beings, never getting the credit for bringing life and money-saving insurance. But that Aflac duck is just a marketing ploy, albeit a really, really good marketing ploy. Just like any other insurance plan, you need to really investigate Aflac before you make a decision whether or not you are going to choose it as your insurance. Don't just be taken in by the duck.

Continue reading "Aflac insurance - cute duck, is it a good idea?"

Is annual travel insurance a good idea for frequent travelers?

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Insurance is protection for the unexpected. As your risk in any area of life increases, it becomes more and more logical to try to plan ahead. Just as in the case of accident in an automobile, accidents can occur during one's travels. Frequent travelers face a lot of risks and dangers that are less a concern when you are closer to home. Annual travel insurance can give you protection from illness/medical emergencies, severe weather, lost luggage, flight cancellations or delays and identity theft. If you plan on doing a lot of traveling in the future, it is a good idea to have annual travel insurance to protect yourself.

Annual travel insurance is a good idea. Protection from the following is something a traveler will rarely regret having:

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How to find affordable health insurance

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Its all over the news these days. What to do about the amazing cost of health insurance? Doesn't it seem rediculous? Health insurance premiums are often now higher than the cost of a mortgage or car payment. You could literally be spending the majority of your income on paying for a service that is really only designed to help when a major surgery or catastrophic accident leaves you a hospital bill beyond recconing. But we all need to have insurance. Even the local Dr. visit without any kind of coverage is absurdly expensive these days. You can't fight the system very easily, and you need some sort of coverage, so you will need to find inexpensive coverage. In today's market, however, these two words just seem to contradict each other. Anywhere you might go to look for insurance you end up paying a large amount of your income. If you are like most people, you just want basic care for you and your family. You expect to pay something, but you know that you probably should not be asked to pay the amount you are currently spending. It is so difficult to watch so much of your income go to pay for care that should generally be much less expensive. You can certainly use that money for lots of other important things.

But how to find inexpensive health insurance? This is a difficult question to answer because people have different definitions of what "inexpensive" means, but there are some steps you can take to ensure that you will not be taken for as much as you might if you had not researched the issue carefully.

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How do company sports teams affect my insurance rates?

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There are a ton of advantages to starting a company sports team, such as more camaraderie, learning to work as a team, and more fun at work, etc. However, there can be drawbacks too. One question many have is how do company sports team affect insurance rates. So, let's take a look at how a company sports team could affect your insurance:

What happens, if your office manager drops a bowling ball on her foot while bowling for the company team? Is she eligible for workers' compensation?

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How do company sports teams affect my insurance rates?

There are a ton of advantages to starting a company sports team, such as more camaraderie, learning to work as a team, and more fun at work, etc. However, there can be drawbacks too. One question many have is how do company sports team affect insurance rates. So, let's take a look at how a company sports team could affect your insurance:

What happens, if your office manager drops a bowling ball on her foot while bowling for the company team? Is she eligible for workers' compensation?

Continue reading "How do company sports teams affect my insurance rates?"

Where do I find a business liability insurance policy broker?

If you own a business, or if you work for a small company, it is quite possible that at some point in your career, your business will face a loss of income, a period of partial shut-down, a natural disaster (such as a fire or flood) or some other major problem. This type of disaster could severely impact your company's ability to function. Your company could loose money, customers and even be forced to lay people off. Continuing your business expenses without money coming in to your business could impair the ability of your business to open again and prosper. Have no fear-don't despair! There is a solution for this problem: business interruption insurance! But where do you find a business interruption insurance policy broker?

First let's discuss some of the specific things that business interruption insurance can do for you.

Continue reading "Where do I find a business liability insurance policy broker?"

Where do I find a business liability insurance policy broker?

If you own a business, or if you work for a small company, it is quite possible that at some point in your career, your business will face a loss of income, a period of partial shut-down, a natural disaster (such as a fire or flood) or some other major problem. This type of disaster could severely impact your company's ability to function. Your company could loose money, customers and even be forced to lay people off. Continuing your business expenses without money coming in to your business could impair the ability of your business to open again and prosper. Have no fear-don't despair! There is a solution for this problem: business interruption insurance! But where do you find a business interruption insurance policy broker?

First let's discuss some of the specific things that business interruption insurance can do for you.

Continue reading "Where do I find a business liability insurance policy broker?"

Where do I find a business interruption insurance policy broker?

If you own a business, or if you work for a small company, it is quite possible that at some point in your career, your business will face a loss of income, a period of partial shut-down, a natural disaster (such as a fire or flood) or some other major problem. This type of disaster could severely impact your company's ability to function. Your company could loose money, customers and even be forced to lay people off. Continuing your business expenses without money coming in to your business could impair the ability of your business to open again and prosper. Have no fear-don't despair! There is a solution for this problem: business interruption insurance! But where do you find a business interruption insurance policy broker?

First let's discuss some of the specific things that business interruption insurance can do for you.

Continue reading "Where do I find a business interruption insurance policy broker?"

Aflac insurance - cute duck, is it a good idea?

So we have all seen that cute duck in the Aflac insurance commercials. Great marketing ploy, but is Aflac really a good idea ? The duck sure does seem to be able to save the day in a number of different occasions, helping old women cross the street, desperately trying to get his message across to the unsuspecting and somewhat slow and stupid human beings, never getting the credit for bringing life and money-saving insurance. But that Aflac duck is just a marketing ploy, albeit a really, really good marketing ploy. Just like any other insurance plan, you need to really investigate Aflac before you make a decision whether or not you are going to choose it as your insurance. Don't just be taken in by the duck.

Continue reading "Aflac insurance - cute duck, is it a good idea?"

What is important to have in a business liability insurance policy?

If you own a business, or if you work for a small company, you know that owning and operating a business is accompanied by a load of new responsibilities. Even if you operate your business with the utmost care and provide the best quality service and product possible, a client of customer could still perceive that you have wronged them in some way. And one of the great horrors as a business owner is a lawsuit against you. Such a thing can be detrimental to your company, not to mention you and your employees. But you know that there is a way out! Liability insurance! Your business can be protected against such disasters with a business liability insurance policy. But before you go purchasing a policy, you need to know what to include in your policy. This article will briefly explain what kinds of things you should have in your business liability insurance policy.

First you need to remember that almost any business needs some kind of liability insurance, especially if you are a small business. A lawsuit can come from the most unexpected places. A customer might trip on a cord as he walks across your office. An employee might fall down a slippery step on her way downstairs. Or a patient thinks that the new toothpaste the dentist used on her teeth made her tongue numb. In all of these situations, angry, unhappy people may decide that they have suffered and that you should have to pay for it. Literally.

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What is business liability insurance?

If you own a business, or if you work for a small company, you know that owning and operating a business comes with plenty of responsibility. Even if you operate your business with the utmost care and provide the best quality service and product, a client can still perceive that you have wronged them. And the last thing you want as a business owner is a lawsuit against you. Such an event could be detrimental to you, your company, your employees, and your reputation as a business. But there is a way out. You can protect yourself with liability insurance. But who needs it? And what exactly is liability insurance? Keep reading and you will soon find out.

First, who needs liability insurance? Well, basically anyone who owns their own business (especially a small business) selling a product or service-which really covers most business owners. These days there are many ways that people can find to sue you or your company. If a customer trips on your welcome mat as he enters your office, he might decide to sue you. Maybe an employee leaves the coffeemaker on overnight and damages your landlord's building. Or perhaps a patient knocks over an antique vase as he is sitting in your waiting room, breaking your treasured vase, but cutting his hand. In all of these situations, angry people may decide that you are the cause of their inconvenience and discomfort. They want you to pay for their suffering.

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It is important to have business interruption insurance so that you can be prepared against accidents that might come your way.

So you are running a business and you are doing very well. Your business is doing well enough that it has pulled itself out of the hole and is starting to profit greatly. You offer a product that many people want, but few people offer. You have just finished setting up your office the way you want. You have everything organized and running smoothly. It is a great day to be in business.

Then one day you leave for work. As you get close you see smoke ascending to the sky from somewhere near your business. As you get even closer you realize that the smoke is coming for your very own business. You pull up to see you business in flames, surrounded by fire trucks and firemen. By early afternoon the fire is out. There is not too much damage but there is enough damage that you cannot work in the building. This would probably be a bad time to ask your insurance agent about business interruption insurance.

Continue reading "It is important to have business interruption insurance so that you can be prepared against accidents that might come your way."

What is business interruption insurance?

Business interruption insurance covers the business income that would have been earned or incurred if a suspension of regular business had not occurred. The business interruption insurance also covers any normal operating expenses that must continue during the suspension of the business. This may include but is not limited to: rent on the place of business, utilities, shipping fees etc. Business interruption insurance is used to pay the actual loss of business income sustained by the insured because of necessary suspension of the insured's operation. This is done during the period of restoration following a loss. The suspension must result from direct physical loss or damage to real or personal property. Coverage is provided against the same causes of loss covered under the insured's property policy. Under certain conditions, the policy also provides an extension of coverage for newly acquired property.

The insured's operations must be the business activities of the insured, which occur at the location listed in the policy. The period of restoration is the period beginning at the date of direct loss, and ending when the damaged or destroyed property could have been restored. There are basically 6 key business interruption coverage's. These are:

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