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The Coverage You Need if You Own a Boat

The Coverage You Need if You Own a Boat

While most states do not require watercraft insurance for any watercraft requiring a motor, it is unwise to take to the water without adequate coverage. You won’t need to put watercraft liability coverage on kayaks, canoes, rowboats, or jet skis, but you will want to consider purchasing it for a fishing boat, leisure crat, pontoon boat, sailboat, or yacht.  Chances are, even if the state doesn’t require it, the local marina wants it before renting you a slip or the…

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Telemarketing for Insurance

Telemarketing for Insurance

Telemarketing has been given a bad reputation by today’s endless calls that sound like scams, but it can still be a great business technique for insurance companies looking for new customers. Telemarketing is a great way to find those among businesses and individuals who are interested in your products and services. To get a better understanding of how telemarketing can help your insurance company, take a look at what telemarketing is and how it can benefit you. What Is Telemarketing?…

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Types of Insurance Coverage for Marina Operators

Types of Insurance Coverage for Marina Operators

Marinas abound in coastal communities around the world, offering a safe place for vessels to dock for storage, repair, or refueling. No place is completely safe, however, which is where marina insurance comes in. The experts at Mariners General Insurance Group offer advice on the top types of coverage marina operators should always carry. Liability  If an accident was to occur on marina property or on a vessel owned, leased, or rented by the marina, you could be liable for damages. Liability…

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How To Best Understand Miscellaneous Professional Liability Claims

How To Best Understand Miscellaneous Professional Liability Claims

Your company’s bottom line plays a significant part in your overall success. Unfortunately, there are many obstacles that can threaten your ability to prosper. Most of the time, these issues will come in the form of legal consequences. To stay protected no matter what you face, it is important to take time to understand what to expect. Miscellaneous Professional Liability claims, for example, cover a number of exposures. Taking out comprehensive insurance with the right options can help you stay…

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What Are Unenforceable HOA Rules?

What Are Unenforceable HOA Rules?

Many planned communities and residential neighborhoods are governed by a homeowner association. An HOA is established by the land developer as a way to manage the building and selling of new homes on the property, and to create rules upon which purchasing a house is contingent. While most regulations are intended to keep the neighborhood clean and safe, they can sometimes be What Are Unenforceable HOA Rules?. Many also are unenforceable. Enforceable HOA Rules Once the majority of homes are…

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Safeguard Your Business Against Internal Losses

Safeguard Your Business Against Internal Losses

Even with good hiring and screening practices and strong security in place, every type of business has some measure of vulnerability to loss resulting from employee theft. In fact, the majority of theft in the workplace is committed by companies’ own employees. It’s important for all businesses to take active measures to protect themselves against lost revenue caused by theft. Employee Theft Can Go Undetected Not all employee theft is as simple as an isolated incident in which somebody steals…

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Why Is Driver Training Necessary to Be a Volunteer?

Why Is Driver Training Necessary to Be a Volunteer?

Volunteering for a nonprofit is a great way to give back to your community and make a positive difference in the world. Even if you aren’t on the front lines of what the organization is accomplishing, any support you can offer helps the group move forward with its mission. Many organizations need volunteers to complete simple tasks like driving. However, even though you may already be a good driver, you need to complete an online driver training for nonprofits. Risks…

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DBA Insurance and Government Business Contracts

DBA Insurance and Government Business Contracts

If you own and operate a business that has open contracts with the United States government or affiliated organizations, then you definitely need to take extra time when determining which insurance policy is appropriate for your needs. Government contracts can often come with very strict regulations and guidelines, meaning your insurance needs to go above and beyond to protect you and your contractors from an array of potential on-the-job incidents. Ins and Outs of DBA Coverage One option to consider…

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Improving Your Protection With Construction Wrap Insurance

Improving Your Protection With Construction Wrap Insurance

Construction projects can often be long and involved processes. While a traditional insurance policy is likely to cover the period of time where a building is being actively worked on, it might not extend to include the wrap period. This is why wrap-up policies can be an important option to consider. Organizations involved with the construction of complex projects usually add this type of policy in order to stay protected in an array of common scenarios. Advantages of OCIP Understanding…

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How Long Should Tail Coverage Last?

How Long Should Tail Coverage Last?

Tail coverage, also known as an extended reporting period provision, is a benefit that can be added to a claims-made policy. Find out what it covers and whether it might be right for your business. Types of Claims Covered  A claims-made policy covers financial losses a business may experience due to wrongful acts, accidents, or mistakes. However, if the insurance policy has expired by the time a claim is filed, the company can be left unprotected. Tail coverage is designed…

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