Author Archives: Barnes Insurance Tennessee
What to Know About Insuring Your New Holiday Gifts
We hope you had a wonderful holiday! It’s likely that you and your family now have a variety of exciting new gifts to enjoy. However, before you get too comfortable with your new gifts, it’s important to understand how to keep them protected for years to come.
Some holiday gifts will be covered under your standard home or renters insurance policy, even if they’re stolen from your car, but standard policies typically have coverage caps on certain types of valuable items, so it pays to think ahead if you’re buying a pricey present or in possession of a gorgeous new …
Don’t Let These Common Homeowners Insurance Claims Ruin Your Holidays
The holidays are a festive, fun time, but the holidays can also bring about a heightened risk for homeowners. Flickering candles are fire hazards. Wet walkways can present a slip and fall. Pyramids of presents can be burglary bait. But homeowners insurance can help you recover financially and ensure that a little mishap doesn’t spoil your entire holiday season.
House Fires
Dehydrated Christmas trees, candles and overworked outlets, make fire hazards a huge threat this time of year. Within homeowners insurance, dwelling coverage pays for home repairs and personal property insurance covers belongings.
Speak to your agent about pinpointing your …
The Most Important Insurance Coverages for Dentists
Dentists must protect their practice and assets with proper coverage. Those in this profession are commonly sued for negligence, prone to break-ins from thieves looking to get drugs, and can also encounter property damage from occurrences such as fires and floods. Luckily, there is insurance available to help you in case the worst happens. Dental businesses are too prone to lawsuits for you to take any chances by working uninsured. Be sure to protect yourself with a well-rounded dental insurance program.
General Liability
Operating your own business is always a large risk. There is a lot that can go …
What’s the Difference Between a BOP and a CPP?
When looking for insurance for your business, you’ve likely come across the various “package policy” options that are available to you. There are two main policies: the business owners policy (BOP) and the commercial package policy (CPP). Is there a real difference between the two?
For small businesses without specialized risks, a Business Owners Policy may offer the basic property and liability coverage that you need. But for a company growing in size and complexity, or that may be faced with specialized risks due to the nature of the business, then a Commercial Package Policy may be needed.
Commercial
…What Happens if a Guest is Injured in Your Home?
Here’s the bad news: you can be held liable if an individual is injured on your property. However, before you panic and refuse to ever let anyone on your premises ever again, take advantage of homeowners insurance to help you get the coverage you need to restore your peace of mind. Here’s what happens if someone gets injured on your property.
Immediately After an Injury Occurs
After an injury occurs, you can certainly express concern, but do not admit guilt. First, determine the severity of the injury. If there is a lot of blood or broken bones, a trip …
How to Keep Guests Safe at Your Amusement Park This Summer
With summer among us, it is amusement parks’ time to shine. A good experience could mean a season pass purchase but a bad experience could easily turn into a lawsuit. There are many considerations to factor in like unsupervised kids, lazy employees, severe weather conditions, and broken-down rides. Operations can be tricky so take the time to prepare safety measures.
Ensure a safe environment to provide guests with a fun and memorable experience. But how can you do that?
Train Key Staff Members
All staff members should know how to protect the amusement park’s guests. However, it’s critical to ensure …
The Dos and Don’ts of Management
Management is one of the biggest factors in determining employee satisfaction. The effectiveness of managers has an extremely strong impact on employee engagement. Managers affect employee engagement more than anything else in the workplace. A good manager will run a tight team of motivated employees, and a bad manager will leave their employees feeling drained and seeking other employment.
There are common reasons why managers are either loved or loathed. Here’s a look at what to do and what not to do in the office.
Don’t Be A Micro-Manager
Micromanagement is a very common employee complaint. No employee wants …
Which Group Benefits are Today’s Employees Looking For?
One of the greatest challenges a business owner faces is creating a work environment that promotes employee loyalty to the organization. When workers are happy in their place of employment, the business enjoys a lower staff turnover rate, which saves money in training expenses and ultimately facilitates greater team morale and productivity. It is true that compensation plays a big role in helping a worker feel appreciated, but it is only a small part of what today’s workers are looking for. To attract and maintain the workers you want, consider offering a well-rounded benefits package that covers a range of …
When Disability Insurance is Necessary, and How to Get It
Your most valuable asset is your ability to make a living. The chance of missing months or even years of work due to an injury or illness may seem unlikely, especially if you’re young and healthy and you work at a desk, but more than one in four individuals will experience a disability for 90 days or more before they reach age 67.
People often shrug it off because they only consider rare scenarios, such as spinal cord injuries leading to quadriplegia or horrific accidents that result in amputation. But back injuries, cancer, heart attacks, diabetes and other illnesses lead …
When Should You Have a Personal Articles Floater?
Everyone has valuable possessions in their home, and they want to protect them. For rare situations, like a valuable being damaged by a houseguest, where high-value items in a home fall outside the scope of even the broadest home insurance policy, a personal articles floater may be a viable option. But what is this enhancement, and where is the line between high-value homeowners insurance and needing a personal articles floater?
What is a Personal Articles Floater?
A personal articles floater is a type of stand-alone coverage typically added to the current home insurance premium. It allows for extremely high-value items, …
