business automobile liability
Features of Liability Insurance for Business Vehicles

Features of Liability Insurance for Business Vehicles

For those using vehicles for business purposes, getting the proper coverage is one of the best ways to avoid many potential consequences from several exposures. Whether a business transports people, goods or other types of commercial cargo, business automobile liability can ensure that it stays protected from many unforeseen circumstances. How Specialized Insurance Helps This type of insurance has many special features that are not typically covered sufficiently in general business insurance or plans for those operating personal vehicles. Business…

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Welding and fabrication insurance
Protect Your Welding Business with the Right Insurance

Protect Your Welding Business with the Right Insurance

Welders offer the marketplace a unique set of skills necessary for a variety of projects in a wide array of industries. The niche marketplace offers budding entrepreneurs the opportunity to work for themselves doing what they know best. Welding and fabrication insurance includes several different policies covering different liabilities and risks. Standard Insurance Options Commercial property insurance covers tools and equipment used on the job. The policies often replace or cover the actual value of destroyed or damaged property. A…

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Medical professional liability insurance
Benefits of Liability Insurance for Medical Professionals

Benefits of Liability Insurance for Medical Professionals

If you operate a medical practice or work as a medical professional, you may need special insurance to cover your liabilities or those of your employees. Medical professional liability insurance can provide coverage for medical malpractice claims that may be made against medical facilities, practices and individual professionals. Benefits to Medical Practices and Facilities Medical practices and facilities can face a risk of liability for every employee who may have contact with patients. If a patient is injured or dies…

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American risk insurance
What Worker’s Compensation Covers

What Worker’s Compensation Covers

When it comes to American risk insurance for your business, you have to figure in worker’s compensation. Worker’s compensation is a protection not only for your employees, but also for you. Generally, worker’s compensation is supposed to help cover the costs if one of your employees suffers an injury at work. When it comes to someone being hurt in the workplace, you are liable for the cost. Here is some of what workers’ compensation covers. Lost Wages If your company…

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2008 Housing Market Crash and How Insurance Helped
How Mortgage Insurance Helped the 2008 Housing Market Crash

How Mortgage Insurance Helped the 2008 Housing Market Crash

The financial crisis of 2008 started with the bursting of the housing bubble. Sub-prime mortgages bundled into bonds put banks around the world at risk when home foreclosures started to happen like domino’s. Fortunately, the Federal Housing Administration (FHA) insures certain types of mortgages. The 2008 Housing Market Crash and How Insurance Helped provides examples of what to do in case of a future crises. Key Facts The FHA slowly lost market share as the beginning of the housing bubble…

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liability insurance for dogs
Dog Attacks: An Unforeseen Responsibility of a Dog Owner

Dog Attacks: An Unforeseen Responsibility of a Dog Owner

Having a dog can be one of the most rewarding experiences. After all, dogs are known as mans best friend thanks to how they assist, comfort and protect their humans. During a dogs typical lifespan, which on average can be beyond a decade, it is sometimes hard to imagine that a good-natured animal could ever go against its everyday demeanor. However, there are many environmental and situational factors that can cause an animal to act out of character. These can…

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NSO liability
When Professional Liability Insurance Is a Must

When Professional Liability Insurance Is a Must

For being innovative, hard-working and a team player, employers are expected to compensate workers handsomely for contributions, but it is very possible that something important can be overlooked. In addition to pay and benefits, working professionals in various fields are often covered by insurance from employers in the event that there is any type of disagreement that can lead to litigation, but it is possible that this insurance caters more to the protection of the company versus the employee. This…

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Non owned auto insurance
Is Your Business Liable for an Employee Driving His Own Vehicle?

Is Your Business Liable for an Employee Driving His Own Vehicle?

If you operate a business and have staff who may drive their own cars to conduct company business such as attending conferences, meeting with clients, or running errands your company could be liable if these employees are involved in an accident. Non owned auto insurance may cover liability for accidents in certain situations. Personal Insurance May Exclude or Limit Coverage An employee’s personal insurance policy may limit its coverage to situations when the vehicle may be used for personal use….

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Builders risk insurance in NY
Protect Your Building Under Construction

Protect Your Building Under Construction

Regardless of the size of your construction outfit, having a builders risk policy protects the building project while under construction. Weather elements, natural disasters and human error can cost the company additional money, cause unexpected problems or extend the project timeline. Builders risk insurance in NY provides coverage needed during building construction. Coverage Options Builders risk covers just the project currently being erected. Protecting the company from risk and liabilities is important, but not all general liability policies extend to…

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professional liability insurance in Indianapolis
Is Professional Liability Insurance Necessary?

Is Professional Liability Insurance Necessary?

When you own a business, you may be wondering how much insurance you really need. Are there any types of insurance that are less necessary? If you’re thinking about skipping the professional liability insurance, you shouldn’t. Not only will you find affordable professional liability insurance in Indianapolis, but also it is necessary and we will tell you why. Responsibility for Mistakes As a professional, clients expect you to perform your services with professionalism and without mistakes. Unfortunately, mistakes do happen…

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