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HurricaneYou built your home on the coast, and the weather is lovely. The gorgeous sunsets and breeze blowing in make living here dreamy. That dream can turn into a nightmare if you aren’t prepared for hurricane season. Below are tips about hurricane insurance.

Homeowners Insurance

Most people obtain homeowners insurance coverage and don’t worry about storms. They are certain that insurance will cover the damage. Do go over your policy and find out if it covers hurricane insurance. In most cases, it doesn’t. Flooding is typically not covered either. Don’t get caught in a disaster without homeowners insurance coverage for hurricanes.

Commercial Insurance

Do you know what your commercial insurance policy covers? You may be surprised to learn that it generally does not cover hurricane damage. Do purchase a policy with your insurance coverage for hurricanes. Hurricane season can be disastrous to business owners. Don’t let that happen to you.

Auto Insurance

Wind from a big hurricane just slammed your car into another car. You aren’t worried. Your auto insurance will take care of it, right? More than likely, the answer is wrong. Unless you have collision and comprehensive added to your auto policy, you may be out of luck. Do add these to your policy if you don’t already have them. Don’t find yourself up-the-creek without your car.

In General

Insurance coverage can be complicated to understand. You purchase it and think you’re covered. That simply isn’t the case where hurricanes are concerned. Do check your policy to see where you stand. Don’t get caught in the storm without your umbrella of coverage. Hurricane force doesn’t have to force you to lose out.

homeownersinsuranceNo one ever expects an emergency to happen, but it is a bad practice not to plan for one. For whatever the cause may turn out to be, whether a natural disaster or a home invasion, it is necessary to ensure that your most important documentation is secure. You may feel safe if you have homeowners insurance coverage, but it would be downright silly to assume that this coverage is all you need to do. To truly protect yourself and your home, you will also need to be careful with your most valuable paperwork. This will even save you for times when your insurance coverage needs documents in the case that something does happen!

 

In order to start taking control of your papers, the first step is to appoint one place in your home where you will keep your paperwork and make sure your household members are aware of it. This is so that in an emergency, you will not need to rush around to search for documents and if you need to evacuate, everyone will know what to take. For the actual storage of your documents, you have a multitude of options based on your needs. Home safety boxes on the market boast a variety of different features that can make a difference depending on the situation. Home safety boxes that are waterproofed for example will provide safety for your papers even in the case of a flood or other water damage, whereas other safe boxes may include a variety of locking systems and security measures such as fingerprint detection to provide security in the case of home invasions.

 

Generally, the idea of protecting your papers has a simple premise: in the case of an emergency, the first thing people want is that their papers are safe, and the last thing anyone wants is to spend time digging for their important documentation. Even when your homeowner’s insurance coverage includes such emergencies, you will have to provide itemized lists of all objects involved in the emergency. Important papers such as house deeds often are also necessary when dealing with insurance coverage and policies. By taking steps to ensure that you know where your papers are, and how exactly you store them, you will best prepare yourself for anything that may happen in the future.

insurance policyFostering employee well-being is a critical part of the success of every business. For a small business owner, implementing a workplace wellness program may be a bit challenging, but it can be done. By combining your small business insurance coverage and some creativity, you can encourage workplace wellness and perhaps gain some financial benefits from doing so.

Encourage Activity

Consider having standing or walking meetings when you need to speak with your employees. Before the start of each work day, have everyone do five minutes of activity, such as marching in place. Encourage your workers to take a walk on their breaks. Find out if your small business insurance coverage offers discounts to employee gym memberships. Your insurance coverage costs might decrease if your employees show improvements in health indicators such as body mass index (BMI), blood pressure or cholesterol.

Offer Healthy Options

If you have a vending machine for your staff, have it filled with healthy options such as trail mix and beef jerky instead of candy bars and potato chips. Offer bottled water or sparkling water rather than soda. If you have an employee who is under stress, provide resources for healthy coping such as, information about local counselors or stress-relief programs such as yoga or meditation.

Make It Competitive

Many people enjoy a challenge. Set up a competition with everyone’s fitness trackers to see who gets the most steps and offer simple prizes to the winners. Consider starting a workplace activity club such as a softball team.

Fostering employee well-being does not have to be expensive or time-consuming. These activities might even help to lower the price you pay for insurance coverage. Healthier employees who feel appreciated and taken care of can also help to boost the success and profitability of your business.

homeowners insuranceBefore the first claim is filed, and even before the first premium is paid, trust between the customer and agency should be cultivated. Whether the customer needs a policy for homeowner insurance, renters insurance, auto insurance or business insurance, the goal of the agency should be to demonstrate trust factors that ensure that every customer will be a lifelong client.

 

One such trust factor is competence. A thorough knowledge of the product and the ability to articulate the parameters of the insurance coverage is essential for building client confidence. The customer should know what they’re purchasing and should be confident that their homeowner insurance coverage, renters insurance coverage, auto insurance coverage or business insurance coverage meets their needs.

 

Additionally, a regular review of the product is needed to determine if the customer continues to have adequate insurance coverage. Does the client’s homeowner insurance coverage reflect recent upgrades made to the home? Is their renter’s insurance coverage for personal liability sufficient? Would an increase in coverage give greater protection for a customer reevaluating auto insurance coverage? Should our business client add professional liability to their business insurance coverage? Such care demonstrates to clients that they are a top priority.

 

A further demonstration of trust is through exceptional customer service. Can the agency be counted on when the customer files a claim? Whether the claim is for minor damage or a catastrophic loss, a demonstration of compassion, patience, regular follow-up and an expeditious handling of a claim will go a long way to show the customer that they are valuable clients.

 

Whether clients are shopping for homeowner insurance, renters insurance, auto insurance or business insurance, trust factors such as competence and excellent customer service will ensure that your customers will be with you for a long time.

insurance policyIn this day and age, it is still possible to encounter people who many misconceptions about obtaining basic insurance coverage. It doesn’t matter whether they own their house or not, these adults carry neither homeowner insurance or renters insurance coverage. If most states didn’t require auto insurance, they would probably drive uninsured as well.

Choices abound for consumers

The uninsured are usually concerned with how much insurance coverage they need and how much their monthly payments will cost. While many people still believe they have no choice in the matter, they are in fact sitting in “the drivers seat” when it comes to picking out their coverage. This is true of insurance policies purchased from independent insurance agents, as well as insurance companies who solely operate online.

 

Auto insurance

For that person who needs to pay a lower monthly premium, a higher deductible amount can be arranged. However should an unfortunate incident occur, you might have to pay for any damages later on. Conversely if one wishes to avoid out-of-pocket charges in advance, a higher monthly premium leaves you free from worry.

 

Your property is important

Having homeowner insurance is often a necessity, especially for those homeowners who are currently paying off a mortgage to a bank or other lending institution. In the event of damage or a burglary situation, renters insurance coverage will protect residents of apartment buildings too. Rest assured, that a full range of choices are always left up to the policy holder to decide.

 

Business insurance

Small business owners definitely need to insure their companies, in much the same way as their larger corporate counterparts. With business insurance, losses can be recovered quickly. No matter what your company sells or manufactures, gambling with your way of making a living is a dangerous thing to do.

commercial auto insurance 7_10An Occupation Can Affect Auto Insurance Premiums

Your occupation could affect the rate for your auto insurance coverage. There is published information about the risk factors that are associated with different occupations. Those auto accident statistics are used to determine the amount for an auto insurance premium. Some occupations are recognized as being associated with fewer auto accidents than other high-risk occupations because the employees will be exposed to fewer situations that could result in an accident.

Risk Factors

A professional truck driver will travel to various cities and could be exposed to dangerous driving conditions. There could be heavy rainstorms or icy snowstorms that may cause a vehicle to hydroplane or to slide across a roadway. The weather conditions will affect the risk factors. The number of miles that are driven each day are also important when determining the risk factors for being involved in an accident. A person who only drives 10 miles each week may not encounter very serious problems.

Insurance Premiums

An insurance premium is calculated for each driver. The amount of the premium should reflect the influence from the potential risks that may force an insurance company to pay an amount for a claim. A dangerous driving situation should have a higher risk factor. There should be a lower risk factor for safer driving conditions such as paved roads that have streetlights.

Information From an Insurance Agent

You should speak to your insurance agent when you change your occupation because you may be eligible for a lower monthly premium. Your auto insurance coverage would remain the same but would have a lower monthly cost. The published information about auto accident statistics is a business tool that can be used to control costs. You should stay informed about different insurance rates and purchase an auto insurance policy that will protect your personal assets.

It’s Your Business!

February 18th, 2016 | Posted by Brenda Snow in Business Insurance - (0 Comments)

commerical insuranceIt’s Your Business – Protect It!

If you’re a business owner, you’ve probably heard how importance insurance coverage is. It really can’t be overstated however, because without business insurance you’re putting yourself, your livelihood, and the livelihood of your employees at risk.

 

We live in a litigious society, and as unfortunate as that may be, it’s very important to protect yourself with commercial business insurance. Assuming anything goes wrong on the job site, having a proper plan and coverage could save your business from having to spend thousands of dollars – if not hundreds of thousands of dollars – on a situation that could have been avoided by having insurance coverage.

 

The advice to get proper business insurance isn’t just for brick and mortar establishments either. If, like so many people do in this new era of digital communication, you run an online business, you may wish to consider getting online business insurance. Speak with your agent, but this will generally protect you from common issues faced by all successful internet-based businesses, such as data theft, fraud, and more. You aren’t fully protected if you don’t have online business insurance.

 

Think about it this way. You insure your home, your vehicle, and likely even yourself (via health or life insurance). Your business is perhaps one of the most important aspects of your life – so why wouldn’t you insure that too? Many affordable options are available for businesses ranging in size from start-up to fully fledged corporations with multiple employees.

 

Consider your options and do your homework. This is part of owning a successful business – in fact, most business owners consider commercial business insurance as simply one other aspect of their mandatory operating overhead. Do the right thing for yourself, your family, and your employees by finding a coverage plan that works for you and your specific needs.

roadside emergencyWhether you are on your daily commute or during holiday travel, it is always a good idea to have a car emergency kit on hand. There are many different types of kits on the market that include many of the same types of emergency gear. There are also kits that include other items needed to deal with extreme hot and cold temperatures.

 

The most basic kits will often include a first aid kit to tend to any injuries if you sustain an accident. Your automobile insurance coverage may cover your medical bills, but a first aid kit will enable to you render immediate aid while you wait for help to arrive. Booster cables are also a necessity if you end up stranded somewhere with a dead battery. Regular automobile maintenance can help prevent mishaps like this from occurring, but it is always a good idea to have them just in case they are needed.

 

Kits that are designed for cold weather climates often come with items that can keep you warm, like gloves and blankets. Some kits for wet climates come with a rain poncho or tarp to keep things out of the rain. Another good holiday travel safety tip is to keep a bag of cat litter in the trunk of your car, as cat litter can be used for traction if your car gets stuck.

 

Road flares or other reflective devices are also standard inclusions in a car safety kit, so that other drivers on holiday travel will see you if you are stranded on the side of the road. Your automobile insurance coverage may come with roadside assistance, so if you’ve called a tow truck, these reflective devices will help the driver be able to locate you in the dark.

 

Another good holiday travel safety tip is to keep a bottle of water in your car with your safety kit. This could come in handy in the summer months and in hot climates. And, as always, keep your automobile maintenance up to date to lessen your chances of having a mishap on the road.

commerical insuranceOverview

As a small business owner, it is essential to save money whenever it is possible to do so. One of the biggest areas of opportunities for many small businesses is travel. The good news is that there are several different ways in which this can be accomplished. Here are several different tips for saving money on small business travel.

Plan Ahead

Having a plan ahead of time can be a great way to save money. The earlier that flights and hotels are booked, the cheaper they usually are. In addition, having a plan allows a person to layout their entire strategy when it comes to choosing where to go. Simply writing everything down and getting early reservations can save a small business a lot of money over the course of a year.

Insurance Coverage

When renting a car, many rental companies will ask if you want to have added coverage on the vehicle. However, this is often covered already by the business. Always be sure to decline any added on insurance coverage options. For the most part, these are not needed and will just waste money. This is another option that can save thousands of dollars over the course of a year if someone travels a lot with their company.

Use Rewards

There are many different ways that rewards can be used in order to get reduced cost on travel. Purchasing items with a credit card can earn reward points for the business. These can then be converted into airline miles or something along those lines. With all of the money that a typical business spends, this can really add up to a lot of saved money over the long term. These three tips can save the average small business thousands of dollars a year.

It’s Your Business!

March 26th, 2015 | Posted by Brenda Snow in Business Insurance - (0 Comments)

commerical insuranceVital Insurance Coverage

Every business owner should have insurance coverage to provide financial reimbursement when disaster strikes. Some of the incidents that can occur to interrupt a business’s operations are natural disasters such as floods or earthquakes. Additional disasters that might affect a business are gas explosions or fires. After a disaster happens, it can take days or weeks for utility workers to turn on power in an area, leading to a massive loss of profits. With business insurance, an owner can opt to have business interruption coverage in addition to a policy that helps to replace equipment lost due to a disaster.

Online Business Insurance

Business owners are accustomed to having commercial business insurance for brick-and-mortar storefronts, but today, it is also vital to have online business insurance. With modern technology, more individuals are operating companies exclusively online rather than having real customer foot traffic. Business owners with online companies offering web design services must have online business insurance when equipment such as computers and printers are nonfunctional due to a natural disaster or destroyed completely by a fire. Online business insurance and commercial business insurance are similar by providing partial or full replacement costs for lost supplies and equipment.

Receive Financial Reimbursement

With business interruption insurance coverage for an online enterprise, owners can seek reimbursement from insurance agents for emergency closures required by the government, moving costs and rental fees for a new location. Despite having an online business, the owner must have a place to have equipment such as printers, telephones and computers to communicate with clients or customers. In addition, business owners can request business insurance reimbursement for the projected operating costs and loss of profits. Having financial documents located off-site in a safe location is vital to prove expenses to a business insurance agent.

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