Category: Excess Workers Compensation

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Insurance Coverage for Marinas

california marina insurance

Living in California has many benefits. From the incredible weather to world class arts and culture, California has a great deal to offer. And if youre lucky enough to own a marina along the coastline, you might be the envy of all your friends. That could change quickly, however, unless you have a great California marina insurance policy.

Marina owners have an increased level of risk thats associated with living and/or working on the water. If you own a marina, youll want to look carefully at all of the relevant policy options that are available to you.

Commercial General Liability

This could be the most extensive portion of your policy. You want to ensure you have sufficient protection from anything that could be seen as your responsibility. This is especially critical when youre renting out dock space to others.

Property Damage

This coverage is critical because you may be held financially responsible for any damage thats caused to your property if the person causing the damage is uninsured. Property includes facilities, but you probably also want coverage on other kinds of marina-related property.


Protection and Indemnity

This is another important component of California marina insurance coverage, which is specifically related to watercraft. It will protect you from both bodily injury and property damage thats caused by a boat.

Cyber Insurance Protects Corporations From Financial Hacking Threats

Wilmington business insurance

The unique business situation of Wilmington, Delaware dictates that certain types of insurance coverage are of specific interest in the area. Since 1981, when Governor DuPont eliminated the influence of usury laws by passage of The Financial Center Development Act, Wilmington has become a financial hub. Among the companies based within this city are major banking, insurance, credit card providers, and retail banking giants. For this reason, Wilmington business insurance packages often include cyber coverage.

With the confidential information of tens of millions at stake, corporations cannot afford to put themselves and their stakeholders at undue risk. Even the best precautions by the most committed professionals may leave tiny openings to confidential information hackers are notorious for exploiting, While many business executives would like to imagine that their companies would never be susceptible to such dangerous shenanigans, the situations big names like Target and Yahoo! have faced in recent years shows that no company housing financial and other confidential records should be without cyber insurance.

Selecting an insurance provider willing to package innovative products to protect your corporations evolving scope makes excellent sense. Anyone engaged in the exchange of confidential and delicate information should have cyber insurance included in their Wilmington business insurance package.


In Orange, Insurance Has Its Work Cut Out for It

orange insurance

Every region has specific concerns when it comes to homeowners insurance. In some parts of the county, tornado’s present the greatest risk. In others, snow could do terrible damage to houses and properties. In still others, flooding has done such catastrophic damage that whole neighborhoods remain virtually empty even years later. In Orange insurance may have to pay for the damage caused by several different factors. People who live in the area know that floods, storms, heat, and earthquakes can have effects that devastate households and leave thousands without adequate finances to rebuild.

To ensure that you have the proper coverage in Orange, do not be afraid to invest in comprehensive coverage that addresses all of your concerns. With a plan carefully designed to ensure your family and your home will be in good shape once the world settles down a bit, you will be able to breathe more easily and focus on rebuilding and making up for other losses.

The very best Orange insurance options will offer full coverage and generous catastrophe packages to help you and yours get back on top of happy living. The truth is, a fully covered home is a delightful place to put ones head at night since now one will have to go to bed worrying that any hardship will ever lead to displacement.

Myers in Champaign, Illinois Is a Business Insurance Expert

myers champaign illinois

When you opened your business, you had a dream of becoming the next Fortune 500 company, and you will achieve that goal. Along the way, however, you need to protect your entity to ensure that you aren’t thrown off your path to success. Business owners must insure themselves against more than just general property and liability concerns. In today’s world, just about anything can close your doors, including your equipment breaking down. Myers in Champaign, Illinois are experts when it comes to your commercial insurance needs. They can bundle a policy that includes riders applicable to your operation only, which will save you money in the long run yet cover you adequately.

Some things to think about when shopping for insurance coverage are your business structure and what you do. If you are a corporation, you’ll want all owners and officers protected under the umbrella of your policy. Another thing to consider is business interruption insurance. Weather alone in Illinois can shut your doors for days or even weeks in the winter; nobody can afford to lose their operation for that duration. Other things to protect your company against are crime, floods, errors and omissions and any excess liability coverage should your operations warrant it. Myers in Champaign, Illinois can help you with all of this and more, including inland marine insurance if your work is on the water.

The Advantages of Getting Whole Life Insurance

Whole life policy New Jersey

Though it’s to secure and what type is right for you. Essentially, there are two types: term and whole. Both have their pros and limitations. The following are reasons why a whole life policy in New Jersey is a good move for you and your family.

Lifetime Coverage

Whole life insurance will provide coverage throughout your life. This can give you peace of mind that when you die, your family will have the money it needs to pay bills and continue to support itself. Also, you will have a fixed monthly premium that will never unexpectedly go up.

Wise Investment

When you select a whole life policy in New Jersey, you are investing in your family’s future and well-being. You may invest your policy as you see fit and watch your money increase over time.

Use the Money Now

Needs may arise while you’re still living where you could use extra cash. You can borrow against your whole life insurance policy and use that money to take care of medical costs or other pressing issues. The IRS will not tax you for any money you borrow from your policy.

Whole life policies have a number of advantages. Purchase one today and be set for the future.

The Key Services that the Best Product Liability Brokers Offer

product liability insurance policy

Without a reliable product liability insurance policy, you cant be certain that your manufacturing business will make it very far into the future. In manufacturing, there’s always at least some chance that just one product will evade quality control and not perform well. Unfortunately, this can have dire consequences for your business, so only with insurance is it possible to keep your business safe now and in the future.

Even if you feel confident in your products and services and don’t expect any claims to be filed against you, taking the time to look for an insurance agency that provides additional service and very specific insurance coverage that takes only your business needs into account is a very good way to both keep your business secured efficiently and to draw some of the best talent in the field. An insurance agent who works with you to develop a strong employee benefits plan with some additional human resources services will allow you to hire excellent new staff. With a higher level of talent across the board, you’re both more likely to avoid producing faulty products and able to produce at a high level and make brilliant, strategic decisions that allow your business to grow indefinitely. Take all of this into account when looking for the best product liability insurance policy and it will pay for itself.

How a Home Healthcare Specialty Program Will Protect Your Company

home healthcare specialty program

Your home healthcare organization is unique. You not only provide personalized care, but your services allow patients who are ill and elderly to remain in the comfort of their own homes. With your unique services also comes a distinct set of demands and risks that many other industries do not face. A home healthcare specialty program is tailored to your sector; that means you get everything you need and nothing you don’t. It is designed to protect your company in several areas.

Some of the unique demands placed on those in the home healthcare industry include administering medicine or health procedures to clients in the home without immediate access to additional services or support. Some caregivers may transport clients in their own vehicles or company vehicles or they may use vehicles to drive from various clients homes. Most employees are working unsupervised and without assistance from other staff members. Whatever distinct day to day tasks your organization takes part in, a home healthcare specialty program can be designed to fit your specific needs to help protect you from any business risks you face. Taking part in a special program is designed with you in mind so that you can continue to focus on what you do best caring for your clients.

Dont Take Chances Get Renters Insurance Today

renters insurance in il

What would you do if a fire, flood, tornado or other disaster wreaked havoc on your apartment? Or if you experience a burglary? If you think that your landlord’s insurance policy will replace what you lose, you’re in for a rude awakening. Their kind of coverage only deals with damage to the building in which you live. So if you don’t have renters insurance in IL, you’re really stuck.

If you’re like a lot of people, you’re just trying to make sure you can pay your bills. So, you probably don’t have the means to pay to replace every single thing you lose out of pocket. And among your neighbors, you’re probably not the only one. Statistically, only 58% of people who lease apartments carry any sort of rental coverage.

You need to act now, because having your own policy is crucial to getting your life back on track should the unthinkable happen. In the unfortunate event of a loss, the policy pays out in order to help you replace your possessions. And when you consider your clothing, jewelry, electronics, appliances, books, artwork, furniture, cookware and any other items of value, you’re easily looking at thousands of dollars for that alone. And the great news is, many kinds of renters insurance in IL are easily affordable, costing only a few dollars a day.

Why You Need Life Insurance

life insurance va

While it may not be the most fun topic, the fact is planning for your family’s well-being in the event of your death is extremely important. Making sure all your affairs are in order provides peace of mind not only to you but to your spouse or partner and the rest of your family. A life insurance policy is one important aspect of preparing for such an event. Finding the right provider for life insurance in VA means you can discuss all the options for policies and coverages to make the best decision for your unique circumstances.

Life insurance protects you family financially by providing the funds to pay off a mortgage, cover college tuition expenses for your children or replace your income for a time. There are several different types of life insurance policies: term life, whole life and universal life. Each one has specific benefits and conditions, and working with an experienced agent can help you understand each option and choose the best one for your circumstances.

It’s important not only to find and purchase a life insurance policy, but to re-evaluate that policy every few years. You want to make sure the cost and benefits are the right fit for you and your family, and depending on your circumstances, you may need to change your policy every so often. When you work with a dedicated agent for life insurance in VA, you can feel confident you have the right coverage no matter what happens.

Why Your Law Firm Needs Malpractice Insurance

attorney malpractice insurance

Though only a small percentage of law firms need to file a claim with their malpractice insurance provider every year, the fact remains that anyone can make a mistake. When that mistake causes damages to a client, you need your law firm to have the very highest caliber attorney malpractice insurance possible. It is important to note that paying for the coverage is almost always more desirable than paying for the costs associated with litigation should a former client bring charges against a lawyer.

Perhaps you plan to rely on your attorneys to represent themselves should claims of malpractice be brought against them in court. This is a dubious option since in the event that the attorney does not win the case, the damages are entirely his or her responsibility without any assistance from insurance. These costs can very easily be the downfall of the lawyer or firm since they are often prohibitively exorbitant.

Do not wait until you think there may be a claim against your firm on the way before buying insurance. Most attorney malpractice insurance plans have provisions making them void if anyone in the practice knew of a potential charge when the plan was purchased. Protect your firm by researching and buying quality coverage today to be ready for any possible future.