Tips to Consider When Planning a Cruise

vessel pollution insurance

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!

Breaking Down Data Breach Myths

insurance programs for data breach

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.

3 Reasons to Provide Healthcare

Owen health care in NJ

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.

Common Legal Errors That Malpractice Insurance Covers

legal professional liability insurance

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.

Planning Error

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.

Knowledge Failure

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.

How To Find the Best Insurance Agency for Your Needs

axis insurance reviews

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:

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.

What Affects Insurance Rates for Nursing Homes?

Nursing home insurance rates

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.

Managing Liabilities

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:

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.

3 Things to Know Before you Purchase Business Insurance

business insurance in Wantage New Jersey

As a business owner, you have to take care of a variety of tasks. You have to obtain financing, write your business plans and look into small business insurance. The insurance alone might be daunting at first. As you shop for business insurance in Wantage New Jersey, here are three things that you need to know.

Know Your Risks

Every industry has its own set of risks. For instance, a legal firm will have to worry about errors and omissions insurance, whereas a bar may have to worry about alcohol liability. Understand the types of hazards in your company and find the according insurance.

Know Your Legal Obligations

Not everyone has to purchase business insurance. It all depends on the industry, state and other requirements. For instance, your property owner may require certain insurance policies in addition to state law. Also, the number of employees may dictate the type of insurance you need.

Know Your Coverage Needs

Your coverage needs to take priority. Do not put cost above coverage. If you suffer a lawsuit, you’re going to spend more money on legal fees than you otherwise would have on insurance. Make sure that you are adequately covered.

When you own a business, business insurance in Wantage New Jersey is crucial. As long as you have your facts, shopping should be easier.

Superior Insurance and Excellent Service

US Risk Insurance

US Risk Insurance has assisted in the financial dreams of hundreds of clients. Established in the 1960’s, we have grown into an international company that employs many experts of the insurance industry. Our in-house services and knowledge of a multitude different markets has allowed us to provide incredible service. With our team, you can obtain the right coverage to take care of all your needs.

Skilled Brokers

The heart and soul of your company lies within our team of fantastic brokers. Our team represents the interests of dozens of worldwide businesses. No matter what kind of business you own, you can rest assured that our brokers can help you obtain the right type and amount of insurance. Our brokers have expertise in liquor liability, professional liability, product liability, oil and gas, healthcare and contractors.

Professional Underwriters

US Risk Insurance also has a great team of underwriters that is ready to get you started on the path to strong coverage. Our underwriters are well-versed in a variety of markets and can help build the appropriate coverage. Our clients include entertainment and production companies, hospitality, healthcare, lawyers, financial services, and parking and valet services.

When you work with our amazing employees, you can be sure that you are building a long-lasting relationship with someone who works in your best interests. Contact us today for fantastic service!

Protecting Your Coastline Retreat

coastal home insurance

The coastline is a beautiful place to retreat from life at the end of your workday. The brilliant sunrises or glowing sunsets, picturesque beaches and water views can offer peace and serenity. One small detail could spoil your ability to enjoy this idyllic location, and it would be coastal home insurance.

The location of your residence establishes exposures traditional homeowners’ policies may not cover. The general coverage traditionally includes loss or damage resulting from incidents involving fire, theft, lightning or other disasters. However, coastal property is susceptible to high wind damage (as with a hurricane), hail or even flooding. A policy designed for coastal homes addresses the gap in coverage left by a standard homeowners’ policy.

Good coverage can’t protect your home from damage, but there are some things you can do to minimize loss during a storm.

A comprehensive coastal home insurance policy will help with the financial needs following a storm, but proactive measures can minimize the damage that occurs. Take inventory of your home today!

Does Your State Limit Workers Compensation Coverage? Here’s What You Can Do

stop gap insurance coverage

Many employers fail to receive sufficient workers compensation coverage, not because they are negligent or unable to pay, but rather because their state laws do not allow it. Learn how stop gap insurance coverage can help employers cover any loose ends in their workers liability insurance.

What is a Monopolistic State?

A state which requires employers to qualify as a self-insurer or to receive workers compensation insurance from a state fund is considered a monopolistic state. This can create limitations in which workers compensation can be used by an employer due to the state’s existing rules or regulations. The following U.S. states or territories herald the characteristics of a monopolistic state.

Are Workers Liability Coverage Gaps Avoidable?

Even though state jurisdictions prevent an employer from receiving adequate coverage, the risk of work-related injury or illness claims persist. For this reason, insurance agencies who serve employers in monopolistic states offer comprehensive stop gap insurance coverage. If an employer is found negligent in providing a healthy or safe environment for their workers, this coverage will protect them from any losses.

Since the insurance can not cover the work-related injury or illness claims as they are, it is designed to cover the liability that results from the restrictions imposed by workers compensation regulations. Additional general liability and staffing insurance is not included in a stop gap plan.