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Distracted Driving and Insurance Premium

Most drivers are aware of the dangers of driving while distracted. However, something that many drivers do not realize is that in addition to the legal ramifications, these distractions can affect the premiums you pay for your auto insurance. Most drivers are aware of the dangers of driving while distracted. However, something that many drivers do not realize is that in addition to the legal ramifications, these distractions can affect the premiums you pay for your auto insurance. While any number of things can distract a driver from the road — including eating, adjusting the sound system, or talking to people in your vehicle… Read More »Distracted Driving and Insurance Premium

Catalytic Converter and Insurance

First of all, both your personal auto insurance and business auto insurance cover the damage to your autos with a theft of catalytic converter, as long as you have full coverage. You should open a claim an the payment will be processed with comprehensive part of your insurance policy.  You’ll likely need to pay your deductible. Thieves have targeted catalytic converters for years, but recently these crimes have been on the rise. According to the National Insurance Crime Bureau (NICB), there were 1,298 reported catalytic converter thefts in 2018. That increased to 3,389 in 2019 and skyrocketed to 14,433 in… Read More »Catalytic Converter and Insurance

How To Sell Products Online: A Small (Or Aspiring) Business Owner’s Guide

Online marketplaces not only help sellers reach a wider audience of potential buyers, but they also offer a year-round sales venue beyond seasonal street fairs, craft bazaars and art shows — one that doesn’t rely on good weather or holidays. And for small businesses, online sales are more important than ever, especially during the pandemic when social distancing has become the norm. So, if you’re a business owner — or aspire to be one — you’ve likely considered selling your products online. Whether you are starting an online business or already own one, we hope you find these tips on… Read More »How To Sell Products Online: A Small (Or Aspiring) Business Owner’s Guide

Explaining Employers Liability Exclusion

Even when you follow all the necessary safety guidelines and precautions, accidents and worker injuries can happen on a construction jobsite. And when you have numerous sub-contractors involved, who is held liable for paying worker injury claims can get complicated quickly. This article details how the Employers’ Liability exclusion works in a Commercial General Liability policy through a hypothetical claims scenario and why its important to thoroughly review and understand this wording, especially when changes are proposed. Employee Injuries – Who Pays? Employee Injuries and Exclusive Remedy. When employees are injured arising out of and in the course of employment, that… Read More »Explaining Employers Liability Exclusion

Do I Need Liability Insurance for My Business If Customers Sign a Waiver?

This original post was published on 6/29/2021 and fully updated on 3/5/2024. Many business owners ask themselves do I need liability insurance for my business if my customers sign a waiver, and the answer is yes. A waiver or release form is a contract designed to shift liability away from the business with the consent of the customer. Waivers are meant to significantly alter the legal landscape from a place where the business is responsible for a place where responsibility lies more with the customer. However, if a customer makes a liability claim, release forms may not always be enforced.… Read More »Do I Need Liability Insurance for My Business If Customers Sign a Waiver?

Insurance for Manufacturers – 4 Common Claims

There are hundreds of thousand of small, medium and large manufacturing facilities operating in the United States today, and each one of them faces unique risks and challenges due to the complex process of making stuff. Business Owners Insurance Can Help Protect Against Common Problems 1) Equipment Failure Due to the nature of manufacturing, the risk posed by equipment breakdown can be grave. Because of the high pressures that can build up throughout the fermentation process, storage tanks and vats can break down or even explode if not properly maintained. Small-scale facilities will rarely have backup equipment at the ready in the… Read More »Insurance for Manufacturers – 4 Common Claims

How to Find the Right Auto Shop

The first rule of finding a good auto-service shop is to ask around and search online. If you’ve got people saying, ‘I’ve used this guy for many years and he’s always been good,’ you don’t want to ignore that.  Here are 7 more things to look for when hiring someone to maintain or repair your vehicle.

Protecting Auto Dealer’s Shrinking Inventories During Hail Season

Hail can fall just about anywhere, at any time throughout our country – although it is more prominent in “Hail Alley,” where Colorado, Nebraska, and Wyoming meet. Unless 100% of an auto dealer’s inventory is stored indoors, it is susceptible to hail-related loss. With 17,000 franchised auto dealers and 45,000 independent used-car dealerships in the U.S., that’s a great deal of assets vulnerable to the elements.  Most automotive analysts are cautiously optimistic that U.S. vehicle sales will return to some form of normalcy in 2021. While demand and pricing remain high, shortages in computer chips have curtailed much of the expected growth in 2021. This forecast… Read More »Protecting Auto Dealer’s Shrinking Inventories During Hail Season

How to apply for the Restaurant Revitalization Fund

The Small Business Administration is accepting applications now. Your business could be eligible for up to $10 million in grant funding. As COVID-19 restrictions across the country begin to ease, restaurants, bars and foodservice businesses are finally starting to see signs of life after a devastating year. Food and beverage business owners will get some help with reopening from the $28.6 billion Restaurant Revitalization Fund (RRF).  Those who apply may be able to receive funding equal to their pandemic-related revenue loss up to $10 million per business, but no more than $5 million per physical location.  Grants can cover operational costs, including… Read More »How to apply for the Restaurant Revitalization Fund