Small Businesses: The Pros & Cons of Employee Benefits

Employers are not legally required to offer employee benefits, so why do they offer them? Since payroll is already the largest line item on most employers’ balance sheets, and recruiting new employees costs time and money, attracting and retaining the top talent should be a priority. This is particularly true within competitive industries where workers have multiple options.

Small businesses must manage expenses and cash flow wisely and with much caution. It is also important to note that employers who offer benefits also are bound by certain laws and regulations. Regardless of whether there are violations, employers may need the …

Posted in Employee Benefits | Tagged , , , | Comments Off on Small Businesses: The Pros & Cons of Employee Benefits

Spring Home Maintenance Tasks

Spring is upon us and it is a great time to get outdoors and tackle some maintenance tasks. If the winter weather conditions were rough on your home, you might be in need of repairs, but regardless there are many things you can do for a smooth and enjoyable transition into the new season. Here is a checklist of ideal spring home maintenance tasks.

Driveways and Paths

Freezing and thawing are rough for just about all hardscape materials. Walk around your property checking for damage to walkways, paths and driveways, then schedule repairs as needed. It may just require a …

Posted in Home Insurance | Tagged , , , | Comments Off on Spring Home Maintenance Tasks

Defensive Driving: How to Reduce the Risk of an Accident

Defensive DrivingDriving is a privilege, not a right. It must be taken very seriously, as it can be an extremely dangerous activity. The risks of driving are real and there are far too many accidents. Luckily, there are simple steps that can be taken to reduce your risks and help make the roads safer for all.

Sober Driving

Driving with any sort of buzz is obviously a dangerous behavior, yet too often drivers get behind the wheel with alcohol in their bloodstream. This strongly impairs judgment and slows reaction time. If you have been indulging at all, always designate a driver.

Posted in Auto Insurance | Tagged , , , , | Comments Off on Defensive Driving: How to Reduce the Risk of an Accident

Start the Year off Right by Checking These Things in Your Car

Start the Year off Right by Checking These Things in Your CarMany people think of their vehicles as little more than expensive and complex appliances. Whatever your relationship to your car, you rely on that thing to keep your daily life running smoothly, and the beginning of the year is a great time to get around to the checklist of maintenance. Use your owner’s manual as a guide, and get ready for a great year on the road!

Brakes & Brake Fluid 

Changing your brake fluid is very important. If your brake pedal has gotten squishy over time, there’s a good chance you need to flush out your brake fluid. The

Posted in Auto Insurance, Blog, Personal Auto Insurance | Tagged , , , , , | Comments Off on Start the Year off Right by Checking These Things in Your Car

What to Know About Insuring Your New Holiday Gifts

What to Know About Insuring Your New Holiday GiftsWe 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

Posted in Blog, Home Insurance | Tagged , , , , , , | Comments Off on What to Know About Insuring Your New Holiday Gifts

Don’t Let These Common Homeowners Insurance Claims Ruin Your Holidays

Don’t Let These Common Homeowners Insurance Claims Ruin Your HolidaysThe 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

Posted in Blog, Home Insurance | Tagged , , , , , | Comments Off on Don’t Let These Common Homeowners Insurance Claims Ruin Your Holidays

The Most Important Insurance Coverages for Dentists

The Most Important Insurance Coverages for DentistsDentists 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

Posted in Blog, Dentist/ Dental Professional | Tagged , , , | Comments Off on The Most Important Insurance Coverages for Dentists

What’s the Difference Between a BOP and a CPP?

What’s the Difference Between a BOP and a CPPWhen 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

Posted in Blog, business insurance | Tagged , , , | Comments Off on What’s the Difference Between a BOP and a CPP?

What Happens if a Guest is Injured in Your Home?

What Happens if a Guest is Injured in Your HomeHere’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

Posted in Blog, Home Insurance | Tagged , , , | Comments Off on What Happens if a Guest is Injured in Your Home?

How to Keep Guests Safe at Your Amusement Park This Summer

How to Keep Guests Safe at Your Amusement Park This SummerWith 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

Posted in Blog, business insurance | Tagged , , , , | Comments Off on How to Keep Guests Safe at Your Amusement Park This Summer
Follow by Email
LinkedIn
Share
Google My Business
RSS