Articles
Business Liability Insurance
Your company can be held liable for its actions, which cause:
· Injury to another person
· Damage to the property of another person...
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Workers Compensation Insurance
Workers compensation laws mandate that employers cover their employees for injuries incurred while on the job, whether on company property or at another location on company business. For example, a delivery person would be covered for an injury loading......
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Employment Practices Liability
Take a hard look at your business and ask yourself the following question:
Am I more likely to be sued by an outsider or by an employee?
The answer in most cases is - by a large margin - an employee....
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Directors And Officers Liability Insurance
Directors and officers (D&O) insurance is purchased to cover the CEO, COO, CFO, other corporate officers and outside directors. The coverage is specific to actions of the individuals, rather than to actions of the company. It applies whenever a claim is brought........
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Surety Bonds
A Surety Bond is also called a Performance Bond. Surety bonds are common in the construction business and are critical for small firms bidding on jobs in competition with larger firms. ...
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Professional Malpractice
It's common knowledge that litigation has exploded over the past few years. This is particularly true with respect to malpractice suits against licensed professionals. This category of risk generally applies to:...
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Errors & Omissions Insurance
Errors and Omissions are the mistakes made by professional persons in the delivery of their service offerings. An example might be the instance of a real estate agent failing to disclose that an adjoining property had been rezoned for a purpose that might.........
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Product Liability
Product liability is one of the fastest growing exposures that manufacturers and retailers are facing in today's market and causing the cost of making consumer products more expensive to make due to excessive litigation and state and federal law requirements....
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Liquor Liability
The risk applies to any business or person engaged in the distribution or use of alcoholic beverages. While individuals can become liable as a result of alcohol consumption in their homes, the discussion of liquor liability insurance is generally........
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Internet Coverage
In addition to coverage of EDP risks, today's business must consider insuring the risks of doing business on the Internet....
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Commercial Liability Insurance
Generally speaking, commercial liability insurance covers you and your business from the following types of losses: defective products, negligent acts, disregard for another person’s property, or creation of a hazardous environment......
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How do I find an Insurance Agent that's right for me?
There are several things to take into consideration. First, look for an agent who knows about your type of business. Some agents specialize in certain types of businesses. You can generally call the association of independent insurance......
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How does Workers Comp Work?
Generally speaking, workers compensation is the sole source of remedy for an employee who was injured on the job. What this means is that the employee may not sue the employer for negligence related to the injury except under......
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How much Insurance do I need?
One common question asked by all business owners is how much insurance do I need? When evaluating your property exposure, ask yourself the following questions. Do I own the building? If so, what is the replacement value......
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Problems with your Insurance Claim - Steps to Take
There are various steps that you can take if you have a problem with your insurance claim. I recommend that in the event of a problem, you get with your agent immediately. Your agent is your advocate. He can help you, advise you......
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Property Insurance. What to Consider.
Basically there two types of property insurance that you need to consider: named peril coverage versus all risk coverage. In today’s world named peril coverage is almost a dinosaur. All risk coverage is what 99.9 percent......
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What are Employee Practices Liabilities?
Employment practices liability covers an employee for a violation of civil rights and legal rights. It also provides legal defense coverage. ...
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Tips for looking for Insurance for your Business
There are several steps that a business owner can take in order to control his premiums. First of all, shop around. Get several quotes from financially stable insurance companies. Second of all, consider a package policy......
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What are Non-Owned Automobiles?
In addition to automobiles owned and leased by your business, your business also has exposure to non-owned automobiles and hired automobiles. The definition of a non-owned automobile is any vehicle owned by one......
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Insurance: Inclusions & Exclusions
\There are various types of inclusions and exclusions under the business owner’s policy. The standard property inclusions can be building insurance, content insurance, and business interruption insurance. Standard liability coverage......
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Other Policies I Should Consider for my Business
There are some other policies that you may consider for your business: commission insurance (otherwise known as professional liability), employment practices liability insurance, directors and officers’ liability insurance and terrorism insurance. ...
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Small Business Insurance Needs
Most businesses need to purchase at least the four following types of insurance: property insurance, commercial general liability insurance, business auto insurance, and workers compensation insurance. ...
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What is a Business Owners Policy or BOP?
A business owner’s policy provides coverage for all major property or liability risks, as well as additional coverage into a policy suitable for most small businesses. The term BOP specifically refers to insurance policy language......
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What is Workers Compensation?
Workers compensation coverage is required by all 50 states. This is the type of insurance that covers your employees for any type of accident that they may suffer while on the job. Generally speaking, most states require......
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What should I discuss with my Insurance Agent?
From a liability standpoint, talk with your agent about the various exposures that your business presents. Discuss with your agent which of your exposures might require a separate policy or an endorsement to the standard......
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