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Finding an insurance agency in Needham to cover your new business may not be high on your priority list but it should be. After all, if something were to happen, whether a lawsuit or property damage, your business ability to continue to grow in the face of adversity will depend on your agency and the coverages within your policy. As you search for the right agency to work with, here are three key coverages that you should be sure to carry that will serve as building blocks for the rest of your policy.
Commercial Liability Insurance
Commercial liability insurance is intended to serve as general coverage for your business against lawsuits where a third party suffers an injury or property damage because of your business. Your policy would cover your legal costs including attorneys fees, settlements or judgments.
Professional Liability Insurance
Professional liability is specific coverage for third-party lawsuits claiming that an error on your part led to them experiencing a loss. In the medical field, its usually referred to as malpractice insurance, but it’s critical for those in other fields as well.
Property insurance protects your belongings including your building, equipment, furniture and digital assets. If your covered items become lost or damaged because of a fire, storm, vandalism or theft, your policy will pay for their restoration.
With these three coverages, you’ll be ready to build out the more specific aspects of your policy. Working with an experienced insurance agency in Needham can ensure your policy is crafted to meet your needs.
As quiet and serene as cemeteries may seem, there’s a lot of work that goes on behind the scenes to keep them feeling that way. Cemetery management is a complex and multifaceted operation, and as with all other complicated businesses you want to make sure you have the appropriate protection. If you own a cemetery you should carry cemetery insurance to make sure any and all possible liabilities are covered.
Types of General Insurance Coverage
General Liability: This coverage will protect you from damage you may be responsible for creating.
Commercial Property: Policies are designed to protect all of your buildings and facilities. You’ll most likely want to make sure that headstones and any memorial plaques or decor are covered under this policy.
Automobile Insurance: Don’t forget that any time a vehicle is used for business you will be held liable for any damage.
Types of Cemetery Specific Coverage
Historic Property: If your cemetery is located on historic property or you own historically significant facilities you’ll want to look into cemetery insurance coverage that’s specifically designed for that purpose. If any repairs or renovation is needed for historic facilities you will quickly learn that they are very different from your average household repairs.
Cemetery Professional Liability: This coverage is designed for “mental anguish” claims and any damage cause to property that’s specific to cemeteries, such as caskets.
What to Look for in an Insurance Wholesaler
As an independent agent to the trucking industry, you deal in niche insurance solutions. To find a quality insurance wholesaler, you need a company that understands the unique risks of truckers. Here is what you need to look for when searching for an insurance wholesaler.
There are a lot of different packages that you’ll be able to offer your clients. Like any insurance policy, there are necessary policies and there are policies that some truckers don’t need. Here are some of the coverages that you need to make sure that you have access to:
Primary liability insurance
General liability insurance
Motor truck cargo insurance
Physical damage insurance
Medical payments coverage
Workers compensation coverage
Uninsured motorist coverage
The more options that a wholesaler gives you, the more likely you are to be able to serve your client’s needs.
Experience in the Industry
Does the wholesaler have experience in the industry? With experience comes the knowledge that other insurance wholesalers might not have. Look for a company who specializes in niche coverages, particularly when it comes to the trucking industry.
To find a trucking insurance wholesaler is easy when you know what to look for. Experience, knowledge and a variety of packages are what you need to keep your clients happy. This is what you should be on the lookout for in regards to trucking 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
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.
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.
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
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?
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:
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.
When you’re considering purchasing a new policy for your car, there are a lot of factors to consider to ensure you’re getting the best policy for your vehicle. Next time you’re looking for VA auto insurance, consider the following tips.
Choose the Right Coverage
One of your first steps should be to decide on how much coverage youre going to need. It may depend on a number of factors, such as how old your car is or whether youre still making payments on it . Once you determine your level of coverage, you can begin shopping around.
Look at Your Driving Record
Your driving history can factor into how much your insurance will cost. If you have a clean record with no tickets, you should expect to pay a lower premium than if youve had multiple tickets or points on your license.
Get Quotes from Multiple Sources
In order to be sure youre being offered the best rate, you should get auto insurance quotes from multiple sources. Getting a quote doesnt take much time, and having multiple quotes to review can help you make a more informed decision regarding your coverage.
Don’t Forget Discounts
Check with your potential car insurance companies to see what discounts they offer. Most companies offer military, student, good driver or bundling discounts, so check to see if theres one that fits your lifestyle because it could save you a little extra money each month.
Getting the right coverage for your car can be easy and straightforward if you know what youre doing. If you follow these tips, you should be able to find the right VA auto insurance for your vehicle.