Owning and operating a marina can be a rewarding experience. Of course, it can also be a headache. When something goes wrong with your watercraft or rental is damaged by a boat unaffiliated with your business, it can be very difficult to sort through the financial and legal side of things. Luckily, there are many ways to protect your marina. One of your best bets is taking time to review and invest in PWC insurance.
Areas of Coverage
As reported by the experts at www.merrimacins.com, personal watercraft can include jet skis, wave runners, and sea-doos. If you rent any of these out to customers at your marina, then you absolutely want to understand the benefits of personal watercraft insurance. Common coverage will include protection against bodily injury for anyone who is operating the watercraft at the time of an accident. Additional areas of coverage include:
- Hull coverage to protect the watercraft
- General liability
- Premises liability for accidents that happen at the marina itself
Avoid Future Troubles
When you own a commercial or recreational marina, watercraft are a big part of your daily operations. Without the right coverage insuring your equipment and the people who rent it, you are opening yourself up to a world of financial and legal difficulties. Give yourself time to review your options and discover the coverage that will keep you and your assets secure.
In the laundromat industry, you have a lot of competitors. In order to stay relevant, you have to come up with unique laundromat ideas to hang onto customers. When it comes to adding new services, you also have to consider the types of insurance that you may need for any new services. For the most part, these services should not add much to your current coverage.
Consider adding televisions to your laundromat. This provides people with something to do while they wait for their clothes to finish. Additionally, you may add books, magazines or games for clients.
Offer Snacks or Drinks
Some laundromats offer snacks and drinks. Of course, when you offer food, you do need to consider the regulations around the sale of food and drinks. You may choose a simple vending machine but you could also choose to set up a coffee shop in the building. This may also draw in new customers or those who are simply looking for a good cup of coffee.
Those at Irving weber associates, inc. suggest that you promote your services wherever you can. Consider your demographics and ensure that your laundromat ideas can reach these people. For instance, you may want to reach those in apartment rentals, in colleges and even those in coffee shops.
Professional liability concerns plagued each industry, but the types of risks and exposures vary according to the job duties and profession. Social work liability insurance is designed to address the elements of risks most commonly faced in this area of service.
Social Work Risks
The discipline of social work strives to improve the well-being and quality of life for members of the community, as well as at-risk or disadvantaged populations. Even though social workers attempt to help others, the complexities of their work sometimes give rise to liability-based lawsuits for both frivolous and evidence-based claims. Data found on the website for Huntersure LLC suggests that there are tens of thousands of lawsuits filed each year across the industries, with those in social work exposed to this burden as well. The most commons claims filed against those in the industry are below.
- Sexual Misconduct
- Incorrect Treatment
- HIPAA and Lost Data Issues
- Patient Suicide
- State Board Complaints
- Information Breach
- Malpractice and Care Management
Those in social work shouldn’t be surprised at the potential for a liability claim against their services, as today’s society has become increasingly litigious. Rather than struggle to address defense costs, reputation management, or paying out a settlement, speak to your broker about carrying a professional liability policy that addresses the activities and elements of your profession.
Public liability insurance can be a great way to save money by accessing the liability coverage your business needs without overpaying for policy areas where you aren’t going to benefit, but many companies that only need public liability coverage at the beginning wind up evolving into more complex structures, with risk management needs that are also a little more advanced. General liability includes coverage that helps if your employees are injured on-site, as well as protections for liability incurred due to problems in the workmanship when you perform services or make products. Deciding on comprehensive general liability insurance vs public liability coverage can be difficult, which is why resources from experienced providers like www.usrisk.com/ are so useful.
Keep in Touch With Your Insurance Broker
It’s not just the upgrade from public liability to general liability that becomes important as your business grows. You also need to keep up on the value of your coverage to make sure the policies that you have continued to fully cover the risks your business incurs. Even without a need for a wider policy net, an increased volume of business can lead to your needing to expand the policy maximums, tweak your deductibles, or to make other changes. Sometimes, it’s not even about expansion, it’s about record-keeping, like when you need to move coverage onto a new vehicle or end the coverage on the one you’ve sold.
There are very few people who dont enjoy a good concert. From small local shows at your neighborhood pub to sold-out performances at a 5,000 seat stadium, live music inspires, excites and invigorates. Though in order to have the best event possible, there are some things you need to keep in mind.
Concert crowd control is an important component of any live performance. Youll need to think about where people will line up to get in and how quickly they’ll be able to get out once the show is over. You can read more about why crowd control is important at www.usrisk.com.
Security is an important component of effectively managing concert crowds. At a bare minimum, you should have someone ensuring only ticketed guests enter the facility. However, these days it is recommended that you invest in having security officers stationed throughout your event in case anything should happen. It will increase your event expenditures but will provide incredible ease of mind so everyone can feel safe and enjoy the show.
Having staff who are properly trained in the following areas is a really good idea.
- First Aid
- Emergency evacuation procedures
- How to use an AED
Ideally, all of the vendors at your event will possess basic safety training as well.
Insurance customers hit the market armed with a list of what they need. They are looking for a company that can offer them a wide range of products that are comprehensive and affordable. Their desire for a good price is not outdone by their need for outstanding customer service and a user-friendly system. So where can an agent go to find the right fit for their client?
Program Business is an online platform that provides a comprehensive list of wholesalers, administrators, MGAs/MGUs and carriers to independent agents. As an agent, Program Business’s extensive directory of programs and providers gives you an unparalleled resource to service your clients.
Program Brokerage Corporation
One example of a storefront that agents can access from the Program Business platform is Program Brokerage Corporation (PBC). PBC offers a high-quality resource designed for the middle-market insured. They also offer a well-recognized purchasing group plan that has a successful track record. PBC summarizes their services as a winning combination for carriers, producers and the insured thanks to their experienced and resourcefulness. PBC invests their own financial resources in both the claims and the expense side.PBC offers insurance programs for environmental, residential, pest control, umbrella, nursing home, elevator, small business services and more.
When you need to find the right coverage for your residential or commercial clients, check out the Program Business Platform and Program Brokerage Corporation.
When it comes to owning your own boat, there are a lot of different costs associated with it. If you are not someone who is dedicated to boating, you may not want to spend all of your hard-earned money on a boat. You may be looking for ways to save money. The experts at Mariners Insurance suggest that if you want to keep your costs low, then you may want to consider a boat club. Here is what you should know about boat clubs and the costs associated.
What Is a Boat Club?
A boat club is simply a fleet of boats that a group of people is allowed to use. For instance, when joining a boat club, you would pay your monthly membership fee and you would be able to use any boat in the fleet that you want. This could be fishing boats, sailboats, cruisers and more. You have access to different boats for different occasions.
Boating is a fulfilling hobby for a lot of people. If you love to be able to take a boat out with your family or with your friends, then you may want to consider a boat club. In a boat club, the fees and the club itself maintains itself, including boat club insurance.
Many homeowners feel that their standard homeowner’s insurance policy will cover all the things they store and keep at their homes. This isn’t always the case, and not realizing the items left unprotected can cause a lot of heartache down the road if something ever happens. Here are some of the things that probably aren’t covered by your policy.
Water Damage and Earthquakes
In many states, damage caused by earthquakes or sinkholes is excluded from a standard policy. In every state except California, a homeowner could add this protection as an endorsement. Flood insurance is also a separate purchase. Other concerns with water damage such as a sewer system, drain, or sump pump back up or overflow are not usually covered either.
According to the information found at https://www.byrnesagency.com, a homeowner’s recreational vehicles arent covered by a general home insurance policy. Things like ATVs, campers, trailers, or golf carts need a separate coverage plan. Fortunately, a coverage plan that offers golf cart insurance could be included in a well-tailored auto policy.
By using preventative maintenance measures, you can avoid needing to pay for expensive repairs over the course of your homeownership. Damages caused by neglect or a failure to properly take care of the property are not included in insurance coverage.
Your home is one of the most valuable investments you will ever make. However, make sure you have your home’s contents and other personal items insured as well to avoid financial stress.
It’s one of the greatest joys in life to see your favorite band perform live, but remember to be an accommodating guest. Yes, you’re there to rock out and have a good time but other people are there to do the same. Be safe and courteous as a concert attendee.
There are a time and a place for moshing, but don’t be that person that goes about it all wrong and gets concert crowd control involved. Be courteous of your neighbors; if you’re in the nosebleeds it’s probably wise to stay in your seat, whereas if you’re in the pit then, by all means, have fun and be safe.
Know Your Audience
Not every concert is the ten thousand fists in the air type, some are more formal and somber at times. Understand that jumping on your seat flashing the rock horns at a violin Concierto will probably get you thrown out.
Don’t Bring In Restricted Items
If drugs, alcohol, and lighters are not allowed in the venue, don’t bring them in. Look at your venue’s website to figure out which items you are not allowed to bring in, and while you’re at it read some more insight on crowd control at U.S. Risk programs.
It’s so easy to have fun at a concert, but all it takes is one person to kill the experience. Don’t be that person at the next concert you go to.
If you’ve heard it once, you’ve heard it a hundred times. SEO is the king of increasing traffic to your website. This has resulted in many people using keywords as often as possible in an attempt to boost traffic. The truth is that you need to know how to avoid keyword stuffing so you end up with the best results.
Why Overusing Keywords Is Bad
More isn’t necessarily better, especially when it comes to SEO. In fact, using keywords too much within the same page, article or blog post can actually be detrimental to your overall goal. Overusing keywords can make poor user experience and may also result in a penalty from search engines, such as removing your website from the listed results in a search.
How To Use Keywords the Proper Way
Fortunately for you, there are certain methods you can implement that help your SEO efforts deliver good results. According to https://www.agencytsunami.com/, some of these methods include placing keywords in the following locations:
- Within the first 100 words in a page
- Text descriptors for images
- Headers and subheads
- Title tag and meta description
Implement the Best Practices
If your business uses SEO, make sure you know how to avoid keyword stuffing. The point of these special words and phrases is to help your website, not hinder it. So its time to take a look at how you use SEO and make sure you’re not overusing keywords.