Protect Important Items With Valuables Insurance

palisades insurance

Protect Important Items With Valuables Insurance

It stands to reason you own a number of items that you would like to keep secure. Whether you’ve been given a family heirloom or you recently purchased a piece of jewelry that cost a significant amount of money, these possessions tend to rank pretty high in regards to personal importance. To keep yourself and your assets protected in the event of damage, loss, or theft, you may want to consider taking out a Palisades insurance policy.

You Never Know When Disaster Might Strike

Keeping your valuables safe is all about taking precautionary measures. An insurance policy designed to cover valuable items can do wonders for your feelings of security. These plans can often be customized to include a range of different coverage options, including:

Protection in the event that a sensitive item is damaged or destroyed

Coverage for groups of items as well as individual pieces

Itemized coverage

Additional Coverage Considerations

Since valuables can take many forms, there are also additional policy options to take into consideration. When exploring your policy choices with Palisades insurance valuable coverage, be sure to ask about:

Protection for valuable art pieces

Coverage for items stored in protected bank vaults

To ensure you have important valuables in your life for many years to come, you need to take action. Consider taking out Palisades insurance to cover your valuables and stay protected.

Most Common Types of Production Insurance for Filmmakers

film production insurance

The key to getting the best film production insurance is to make sure that it’s catered to your specific project’s needs. Since no two film projects are alike, you will want to assess your liabilities and coverage needs before each and every project. Film production insurance can protect you, your company and/or the project from costly claims and provide the coverage you need to ensure you complete your project with confidence.

Four Most Common Types of Production Insurance

General Film Production Insurance: This is a standard package policy which usually includes general liability, commercial auto insurance and worker’s compensation. Depending on the policy it may also cover costs tied to production schedule changes because of inclement weather, damaged sets and/or equipment failure.

Cast Insurance: This coverage can protect you from costs associated with losing an actor, director or other key personnel necessary to complete your film. Cast Insurance coverage actually represents the largest number of film-related insurance claims.

Completion Bonding: Completion bonding coverage is important because it protects you from situations which may otherwise make it impossible to complete your film. There are so many situations that can arise and jeopardize the completion of your film.

Errors and Omissions: Errors and Omissions insurance provides coverage for lawsuits that arise out of issues such as personal rights or slander.

Although these are the most common types of film production insurance you want to make sure policies meet your individual needs.

Timeshare Insurance: Do You Need It?

timeshare liability insurance programs

Timeshare Insurance: Do You Need It?

If you want to make the most of your trips, then you might want to think about timeshares. Timeshares allow you to vacation in your favorite destination. If you purchase a timeshare, however, you may need to have it insured. Here are the situations where you need timeshare liability insurance programs.

Deeded Ownership

If you have a deeded ownership timeshare, you live in one place a few weeks out of every year. When you are not there, other people will use it. Now, you own the unit and may sell, lease or donate it. If you have this type of timeshare, you need insurance.

Types of Insurance

If you have deeded ownership, then the first insurance you need is title insurance. This ensures that the title for the units is clear and owned by you. Next, you need the deeded timeshare property insurance. This covers your property against weather, vandalism, theft or fire. Another policy that you should consider is the comprehensive policy. This will insure the building and your assets. Likewise, it can pay medical expenses, court costs and cover liability.

If you own a timeshare, you need to consider insurance. While there are some circumstances where you may not need it, if you own a deeded timeshare, then you need to timeshare liability insurance programs as crucial purchases.

So What if its Recreational?

unwind

Alcohol has been a part of the history of the United States from its inception. From our Founding Fathers to today’s newest 21-year-old, drinking alcohol for pleasure is a commonality. It would be interesting to see how legalizing marijuana would compare to the anticipation of someone’s first drinking experience. When compared side by side, you may be surprised to see how marijuana and alcohol differ.

Marijuanas Effects vs Alcohols Effects

The side effects of marijuana are minimal and include:

Relaxation and the ability to unwind

Increased appetite (the munchies)

Euphoria and slight confusion (being high)

Temporary short-term memory loss

Compare these side effects to those of alcohol, which include:

Loss of coordination and inability to walk properly

Nausea and vomiting

Impaired judgment

Blacking out (loss of memory)

Binge-drinking is defined as consuming several alcoholic drinks in a short time period for the purpose of getting drunk. Between 2006 and 2010 there were 88,000 reported deaths from over-excess of alcohol. While alcohol poisoning is very real and potentially deadly, none of those worries exist with marijuana. In all of history, there has never been a report of someone overdosing on marijuana and dying.

The truth is that alcohol is more dangerous to the brain than marijuana. If the country were to put the same emphasis on marijuana as it does alcohol, what would happen?

Mortgage Brokers and Insurance: Why You Need It

insurance for mortgage brokers

Mortgage Brokers and Insurance: Why You Need It

Mortgage brokers are prone to lawsuits. Any company that deals with clients, their investments or finances, is going to have to deal with the possibility of a lawsuit. This is where insurance for mortgage brokers comes in handy. Here is why you need adequate coverage.

Client Allegations

Even if you think youre on the best terms with a client, it doesnt mean that you arent going to suffer a lawsuit. Clients become unhappy for many reasons. If a client feels like you did something wrong or if your advice didnt come true, then the client might sue you. Its important that you have insurance to cover any damages that you owe, not to mention the legal fees involved.

Errors and Unintentional Wrongdoing

Mistakes happen. When youre handling clients and their finances, however, one error can mean a lot. As long as there is no malicious intent or criminal act, then insurance will cover any errors or omissions. Likewise, it covers if you give your client bad advice. When it comes to errors, you have to keep in mind that everyone makes them. While youre still liable, insurance can cover it.

Insurance for mortgage brokers is crucial to the life of your agency. If you suffer a lawsuit that you cant pay for, then your company may suffer or fail. Its best to have protection.

Your Companys Digital Exposure

Agency Insurance Marketing

Taking your business to the next level might mean breaking out of comfort zones that have defined your business since you first opening. Small agency insurance marketing plans often reflect a lack of resources and experience needed to truly attract attention from new clients. Working with a marketing agency can help in these areas. Insurance marketing techniques do more than just drive clients to your agency. They rely on tried and tested industry tactics that attract attention and convert those inquiries into leads. The use of digital solutions to boost a client base is proving to be a successful venture for most brokers. In a small office, you may not have the people or talent to pursue online opportunities for marketing and branding. When you work with a company that has developed agency insurance marketing programs for websites and social media platforms, you reap the benefits of professional assistance without having to do the work.

The top three things a good agency will offer include:

Social media networking
Web site design and maintenance
Search engine optimization with all content

A company with proven experience in insurance marketing will help you build your brand, attract new clients and capitalize on industry trends. They will deepen your customer service outreach and encourage client loyalty, by offering data tracking, access to new software and establishing self-service opportunities.

Weighing The Real Benefits of Medical Cannabis

pros and cons of medical cannabis

Today, the debate of whether or not states should legalize medical marijuana rages on. With all the new reports and scientific studies about this topic coming out on what seems like a daily basis, plenty are confused about the pros and cons of medical cannabis. Here are some of the arguments for and against the use of medical marijuana.

Pro

Most proponents of medical cannabis state that it can alleviate the symptoms of a variety of ailments. Some of these include chronic pain, seizures, stress-related depression, ALS, cancer and arthritis. Another benefit proponents cite is that it is a form of non-invasive treatment. Instead of dealing with needles, operations and medication, medical cannabis can be taken in a number of different forms that dont involve painful intake.

Cons

Those against medical cannabis note that hasnt been approved by the FDA. The FDA has not conducted its own clinical trials to see if there really are any benefits to its use. There also appear to be contradictory studies about its effect on schizophrenia and PTSD. While marijuana is not known as an addictive substance, there is the issue of mental dependency. Those against medical plant use claim that after months and years of use a patient may continue to use this drug even after they feel better.

These were just some of the pros and cons of medical cannabis. Before using any medical treatment it is important to consult a doctor.

Early Planning for Your Business

small business insurance

Working for yourself is equal parts exciting and scary. Exciting, because you are now your own boss and are capable of making all work-related decisions. Scary, for exactly the same reason! Its a big responsibility to be a small business owner. Making wise choices early on can be beneficial for your company for years to come.

Find Proper Insurance

No matter what line of work you are in, it is always a good idea to have small business insurance. Consider what you may be liable for and what you need to be protected from and find out what policies best suit your needs. Make a list of risks involved with your business and look for coordinating small business insurance. For example, if you run a restaurant you should look into aspects like:

General liability

Business interruption

Equipment breakdown

Have a Business Plan

Serving as a compass for the direction of your company, a well-drafted business plan is one of the smartest things an entrepreneur can create. What do you need to include in your plan? A few tips are:

Your budget: daily, weekly, monthly, yearly. Know exactly where every dime is going. Research on the industry you work in, as well as research on your competition. Your vision and your goals. Where do you see this company a year from now? A decade from now? Detail your goals and make plans to set them in motion.

Your business is your dream come true. Making good decisions in the early stages can help to keep it healthy for many years.

Top Risks Associated with Cloud Storage

Orlando cyber liability insurance

Many companies especially smaller businesses rely on the cloud to store data. Using cloud storage allows businesses to avoid spending money on hardware and expensive servers. Many cloud storage companies offer monthly subscriptions helping businesses better budget costs. However, cloud storage is not without its risks making Orlando cyber liability insurance still necessary.

Simplicity

Cloud storage offers easy sign-up often only requiring a credit card to get started. Unfortunately, the simplicity the cloud is loved for also comes with vulnerabilities. Criminals can use the cloud to send out malicious attacks to your business. A cloud service provider that does not monitor transactions or authenticate their processes should be avoided.

Traffic

The more people who have access to your cloud service provider, the greater the risk of fraud. Employees are often the number one culprits behind fraud in a business. The ability to access the cloud without proper authentication can make finding the criminal behind theft or other attacks difficult.

Data

Ensure those who have access to the cloud storage cannot inadvertently delete, alter or hide documents. Allowing your employees read-only access with only a select few having full access may be a better way to handle your cloud data.

Orlando cyber liability insurance helps your business cover the risks associated with cloud storage. The convenient solution for many small businesses is susceptible to abuse both outside and within the company.

Encourage the Client on Your Insurance Website

insurance web designs

When putting together an insurance website that will hopefully attract new customers and clients, you may think you only need to teach the visitor about you and what you can do. While it’s important to make it clear what is within your abilities and business, insurance web designs should look to entice the viewer, not simply inform them. Only writing about insurance is, frankly, boring. Instead, encourage the website visitor on their progress, depending on what insurance you are offering. For example, show support for the growth of the potential client’s project if you offer business insurance. After all, insurance itself may be boring, but the client likely puts a great deal of care and interest into whatever they’re looking to protect.

How to Inspire Visitors

Using appealing, helpful, navigable and responsive insurance web designs for insurance websites is vital, but also consider what types of pages and information you can include to draw someone in. Some possible inclusions may be:

  • Client testaments including the story of their endeavors
  • FAQ and other pages that can answer common concerns
  • Giving advice rather than presenting a sales pitch
  • Allowing easy and direct contact
  • Blog posts with more personal content

These are only some possible ways to go beyond informing and, instead, support whoever is coming for insurance. Get creative with insurance web designs and it can help make you stand out.