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.
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.
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.
Coming home to find your possessions stolen and the house damaged is terrible. Filing personal insurance company claims is definitely on the list of must-dos after a robbery. Consider these other steps to secure the home and protect things you love.
While this may seem obvious, it is imperative to get a police report as soon as possible. Do this before entering the home to ensure there isnt a criminal waiting for you.
Make sure your loved ones and any pets are safe and sound. Call any direct family members not with you to ensure their safety. Dont forget to search for your fur babies as they may have escaped.
The police will ask you a variety of questions and so will your insurance agent. Write things down that you remember about how things were left, time frames and what items have gone missing or were damaged.
Re-evaluating your security measures is always a good idea after a burglary. Analyze what you currently have and look into other ways to secure your property. This may mean getting neighbors involved in a community effort. Your personal insurance company claims are part of the process to getting back on your feet after a robbery. The insurance agent is there to work with you when life deals you lemons.
Documentaries allow audiences to learn important issues facing the world today or in the past. Many documentaries are filmed in remote locales such as the jungles of Thailand or small islands off the coast of South America. Wherever your film takes you, save yourself time and hassle with production insurance, proper research and the right tools.
The farther away you are from your home turf, the more risks you assume with the production. The subject of your film may pose additional risks. Insure the production and yourself with production, travel and health insurances.
Remote locales have the mystery and appeal of a riveting story. While you have thoroughly researched your subject, you also need to research the location and potential issues before departing. Remote locations don’t have all the luxuries of the modern world. The climate, geography and the people all can impact the production and your journey.
Make sure before you set off to film that you have all the tools you need. In addition to your camera and its accessories, consider taking along LED lights, extra batteries, a rain hood, additional memory cards and power adapters. Don’t forget to back up as often as possible.
Go ahead and film the masterpiece of your dreams with a little preparation. Production insurance can help you make your dreams a reality.
When you shop for insurance, you will likely come across both insurance brokers and insurance agents. If you are unfamiliar with the disciplines, you might believe the two professionals regularly do battle – insurance brokers vs agents. So whats the difference?
Whats the Same?
Both brokers and agents work as intermediaries between the insurer and the insured. They are bound by law to help you find the right insurance policy that fits your need. They must also ensure that it is available at a reasonable price. Agents and brokers must be licensed to sell insurance and must obey the regulations set forth by the states in which they do business.
Whats the Difference?
The biggest difference between brokers and agents is who they represent. Brokers represent the insurance buyer – you or your organization. Agents represent insurance companies.
Agents come in two types, captive or independent. Captive agents represent one insurer, while independents represent multiple insurers. They are joined with the insurer by contract, which identifies the policies and products the agent can sell and outlines the commission the agent will make.
Brokers, on the other hand, submit a buyers completed application to various insurers requesting a quote. You will likely work with either a retail or wholesale broker. Retail brokers work directly with buyers. Wholesale brokers work with retail brokers to help find coverage for buyers who couldnt obtain coverage otherwise.
If youre looking to plan a cruise for your next vacation, its worth it to research the cruise line first and foremost. Some cruise packages are suspiciously cheap, so before taking advantage of low prices, make sure youre getting what you think youre paying for!
What kind of insurance does the cruise line have? Think about smaller concerns like how they treat lost or stolen baggage, but dont forget about big concerns too. Is there vessel pollution insurance if there is a leakage of some kind? What happens in case the ship collides with something? All concerns, from misplaced baggage to vessel pollution insurance, are valid.
Be aware of seasonal weather. For example, a trip to Bermuda might be dirt cheap during the months of June through September. Before jumping on this offer, research what the weather is doing during those months (which happen to be hurricane season!). Be smart when deciding on a departure date.
If the cruise line is based out of another country than the US, it might follow different procedures. Read as much as you can ahead of time about the cruise lines safety policies to make sure you are comfortable with them. In case of an emergency, you dont want to be stuck on a floating vessel with no plan!
Planning a trip is exciting, but remember to be smart when planning too. Every trip is memorable, just make sure your cruise isnt memorable for the wrong reasons!
Most businesses have an online presence. If you do, then you may be at risk for data breach. Data breach involves valuable, personal information that most companies contain. In order to protect yourself against this, you need insurance programs for data breach.
Only Major Companies Are Targets
Small businesses dont think that they are at as much risk as larger companies. Usually, the media only covers data breach when it involves larger companies. The truth is that over half of businesses that end up targets are smaller companies.
Strong Passwords Are All You Need
A strong password wont stop data breaches. While its important to have a strong password, you need to look beyond that. You should always have a second layer of protection. For instance, you might want to have phone number for confirmation or a fingerprint.
Cybersecurity Is the IT Departments Concern
While the IT department takes care of cyber security, you have to think beyond the IT department. The truth is that the employees who are not in the IT department are more likely to create risk for a business.
Dont be fooled into thinking that your company is not at risk for data breach. If you have an online presence or house any secure data, then you need to think about insurance programs for data breach. These programs will protect business.
As a business owner, you can provide many benefits to your employees. The one benefit that most are looking for, however, is health insurance. This is the number one way to keep your staff healthy. If you’re considering Owen health care in NJ, here are some reasons why you should provide it.
Boosts Employee Morale
Companies that offer fair benefits generally have happier employees. When your employees are happier, then productivity tends to go up at the same time. Health care is absolutely important for staff.
Saves Extra Money at Taxes
Every business wants to save as much money as possible come tax time. When you provide health insurance, you may even save when it comes to payroll. Most employees prefer benefits to high salaries.
It’s Easy to Accomplish
Providing health care isn’t difficult. Some business owners think that it’s going to be difficult, when really, with the help of an insurance agency or broker; they have someone to guide them through it. There is a professional to help you select the right plan.
Owen health care in NJ can really help your business thrive. Offering health solutions to your employees is more than worth it. Not only does it boost morale, but it saves money and is easy to figure out.
As a lawyer, you have to worry about the occasional lawsuit. No matter how good you are, unhappy clients can and will happen, as will mistakes. Here are the most common mistakes that lead to a need for legal professional liability insurance.
If you don’t plan all reasonable outcomes in a case, this may result in damages to your client. In this case, maybe some of you advice didn’t go according to plan.
One of the most common errors that a lawyer makes is not doing enough research about a particular law or statute. If you fail to apply the law correctly, most clients can’t call you out on it. They won’t realize what you did.
Failure to File
In many cases, a failure to file will follow closely an inadequate discovery. This situation tends to involve an attorney failing to file a document for a client on time. This failure may prevent a client from taking legal action. This is a major breach of trust when an attorney does not follow through.
Without legal professional liability insurance, you would owe damages and legal fees. These common errors do occur regularly. In order to protect against any fees or damages, insurance is a necessity for every law firm.
Shopping for insurance can feel like a daunting task, especially if you don’t know how to differentiate one agency from another. However, getting insurance is recommended for many aspects of both personal life and business, and in many cases mandated by law so shopping for it is something many must do regardless. Luckily, understanding some strategies on how to find the right insurance agency can help point you in the right direction of finding the right plan for your needs. For example, when evaluating an agency such as Axis Insurance, reviews by actual customers can help you to make an informed decision.
How to Interpret User Reviews
Since information in reviews is subjective, it is important to know how to properly interpret them. Reading reviews can help provide valuable insight about a company such as the following:
- Performance of individual agents
- The most popular services
- Detailed accounts of client experiences
By looking at common criticisms in user reviews, you can observe patterns and get a good feel for an agency’s track record. There’s no need to go into a contract blindly when there are resources available at your disposal. When using the example of Axis Insurance, reviews can be very helpful in providing a snapshot of what kind of experience to expect before even speaking to a representative.
Long-term care facilities are one of the most heavily regulated industry in the US. The risks faced by caring for elderly or infirm patients over long periods of time comes at a price. Nursing home insurance rates have increased since the early 2000s. Knowing what affects those rates can help you save money while still providing quality care to your patients.
Implementing a risk management policy can help keep insurance rates lower. Nursing home insurance rates are based on the risks of the particular facility and based on the number of beds, the number of claims filed and amount of insurance policies needed. Larger facilities often need additional coverages.
Types of Policies
Nursing homes and other long-term care facilities need a variety of insurance policies to cover their risks. Bundling these policies together can often come with some discounts. Beyond traditional general liability and property insurance policies, speak with your agent about:
- Directors and officers liability insurance
- Boiler and machinery insurance
Working to mitigate and proactively manage risks can affect nursing home insurance rates. A lower rate can provide additional funds to be used elsewhere in the business including resident care. An agent or broker can go over the coverage options available and work with your risk management team.