Commercial Property Insurance Basics
Your business’s survival is directly tied to your livelihood, making it essential to shield it from any potential threat, regardless of size. Imagine a fire engulfing your business’s warehouse, destroying not just the building but also the valuable contents within. Alternatively, a burst frozen pipe could wreak havoc on crucial documents and important papers. Even […]
What Makes Up BOP Insurance?
A business owner’s policy, also known as BOP insurance, is one of the best investments for today’s business owner because it provides outstanding access to necessary coverage at a reduced cost. In short, this type of plan offers coverage extending over various types of risks. By bundling them together like this, it is possible to […]
How Much is a Business Owners Policy?
Business owners policies (BOPs) are hard to pin down price wise since there are so many factors that go into the cost of the insurance. Depending on the size of your business and the amount of coverage required, you could pay anywhere between $350 and $2,000 a year. On average, businesses pay about $1,200 a […]
Pros and Cons of Automatic Car Insurance Renewal
When you enroll in car insurance, your agent might ask you if you want to set up your policy to automatically renew. This means that at the end of each term, usually annually, your auto policy will renew for the next term without requiring action from you. Often, enrolling in auto-renewals can save the insurance […]
Why Slip and Fall Risks Exist in Restaurants
Every business has liability risks. These generally include slip and fall risks. If someone falls in your commercial space, they might hold you responsible for the damage. Liability insurance claims might result. Depending on your business, certain fall risks might prove more prevalent. Restaurants are one of these operations. Commercial insurance coverage can include liability […]
Fire Prevention Tips for Homeowners
Most home fires occur in the kitchen while cooking and are the leading cause of injuries from fire. Common causes of fires at night are carelessly discarded cigarettes, sparks from fireplaces without spark screens or glass doors and heating appliances left too close to furniture or other combustibles. These fires can be particularly dangerous because […]
Why Tire Tread Matters
If you look at your car’s tires, then you might notice the grooves and patterns that line the tire where it touches the road. This is a tire’s tread, and it is not just for show. Tread goes a long way towards protecting your vehicles stability, control surfaces and ease of operations. Therefore, it also […]
Why You Need Home Business Insurance
More than 12 million Americans run a business out of their home, yet an estimated 60 percent of them lack any type of business insurance. If you run your own home business, no matter what size it is, business insurance is essential. Here’s why. Regular homeowners insurance policies cover very little of the expenses associated […]
Do BOPs Have Deductibles?
Essentially every form of insurance has a deductible and business owners policies are no exception. BOPs are packages of insurance that contain several essential types of coverage that most small businesses need. Usually, they include: Each policy will apply in different situations. For example, if someone falls in your store and gets hurt, then liability […]
Does Your Business Need to be Bonded?
The nature of various jobs a contractor can perform involves entering personal homes. The problem is that many people are wary of letting strangers into their home, and rightfully so with today’s crime rates. So how can you make people feel at ease and prove your professionalism? Surety bonds are a big step in the right direction. […]