What Is a Deductible Buyback?

When it comes to home insurance claims, many people feel stuck and unable to really use their insurance because of how high their deductibles are. For example, if someone's deductible is $5,000 and they experience damage to their home costing them $4,000, they can't file a claim with their insurance even though they have suffered more than a nominal loss.  Insurance companies, on the other...

Handling Wastewater Safely

Handling wastewater safely is extremely important for any sewage treatment plant. There are many risks to the environment as well as employees. Some of these accidents can be devastating. Steps must be taken to prevent these kinds of problems from occurring and causing damage. Safety Risks at a Sewage Treatment Plant Wastewater safety is a matter to be taken seriously. There are two basic kinds...

What Is Garage Liability Insurance?

Businesses in the automotive industry that manage day-to-day services involving vehicles can face numerous situations involving liability charges. While liabilities can arise from many areas in the industry, claims involving direct garage operations are one of the most common. For this reason, many automotive companies rely on garage liability insurance to protect their business.  What Garage...

What‌ ‌Insurance‌ ‌Coverages‌ ‌Does‌ ‌My‌ ‌Restaurant‌ ‌Need?‌

Owning a restaurant can be exciting, but it also assumes many risks, which is why insurance companies provide multiple coverages for restaurant owners. The following insurance policies can protect your business. Commercial General and Property Liability A general liability policy will protect against most bodily injury or property damage claims that result from accidents. If you lease your...

Understand the Best Insurance Options for Your Next Project

Working in a field like construction can be demanding. When you operate a business in this sector, you need to constantly stay on top of bids for jobs. If you fall behind for any reason, it could lead to major disruptions to your cash flow. One area that you need to put a lot of thought behind in advance is selecting your insurance. Each project will have different parameters, which can make it...

What Volunteer-Based Businesses Must Consider With Insurance

Protecting your business begins with taking out insurance that accurately reflects the needs of your institution. Naturally, this is going to be a bit more of a challenge to those who operate companies in industries that are not considered traditional. For example, operating a business that relies predominantly on volunteers to conduct daily tasks can create very different requirements when it...

Why Collector or Classic Car Insurance is Better Than Regular Car Insurance

For any motorhead, that hunk of steel in the garage isn't just a car, it's a lifestyle, a treasure, and an obsession. Regular car insurance won't give you the protection you need in case your little gem is damaged or totaled, so it's important to have collector or classic car insurance. This type of insurance covers a variety of costs associated with getting back on the road in style. Agreed...

What Types of Problems Are Covered by Errors and Omissions Insurance?

Paperwork errors can cost clients and customers significant time and money, which in turn can injure you greatly when you find you are being taken to court. You don't want to wait until this happens to type, "What is e&o insurance?" into your browser. Purchasing a policy today can help you avoid paying out-of-pocket for errors and omissions in the future. Some of these errors and omissions...

Insuring a Property for Commercial Use

Property insurance is a vital tool for owners to protect their investment and avoid devastating losses. Commercial property insurance must have all of the essential safeguards of general property insurance while also giving special consideration to a potentially greater degree of risk exposure. Here are some important things that commercial property owners need to understand about their...

3 Important Elements of Scaffold Safety

Working on scaffolding structures involves several types of serious occupational risks. It is imperative that contracting companies exercise a high degree of caution when they are building a scaffolding structure or using scaffolds to complete a project. 1. Code Compliance Each city and municipality may have very specific building regulations addressing scaffolding safety. Companies must procure...