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Learning About Different Liquor Liability Insurance Plans
Due to alcohol’s impact on consumers, the locations linked to it are often found liable for injuries, damaged property and other alcohol-related offenses. Business owners rely on liquor liability insurance to protect their establishments from unexpected events. However, there are a couple of programs that cover different types of places.…
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Understanding the Complexities of the United States Longshore Harbor Act
There are unique risks associated with almost every type of business. If you are an employer who operates an establishment on or near a large body of water, for example, then you definitely need to take extra time to find the insurance coverage that suits your industry. To keep your…
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Understanding Insurance for Your High-End Home
Homes with higher than average values may not be fully covered by a standard homeowner’s policy. If your home has unusual features or is historically or architecturally significant, a high-value home insurance policy can offer you the protection you need. What Is High-Value Home Insurance? This is a special type…
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How to Protect Your Motor Truck Cargo
Motor truck cargo coverage provides protection to the owners of goods and motor carriers. When cargo is in transport, it faces multiple risks. While all cargo transporters need some form of basic liability insurance, it isn’t always enough to cover all risks. Do You Need Cargo Insurance? If you…
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3 Ways Criminals Can Target Individuals on Social Media Networks
One often overlooked part of cybersecurity for high net worth individuals is social media networks. Many individuals use sites such as Facebook, Instagram, LinkedIn and Twitter to communicate with family, friends and the wider world. However, these sites can put the family or their assets in jeopardy. Personal Information The…
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3 Reasons to Consider Occupational Accident vs Workers Comp Insurance
There are some states that allow businesses to opt-out of workers comp insurance. These employers still need the protection offered by worker’s compensation but may choose to use occupational accident insurance. This insurance offers many similar benefits to employees and employers. Covered Benefits The experts at Insure My Work Comp…
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Stay Covered With Tail Coverage
While business insurance and other liability policies are crucial to professionals, what do you do when that insurance lapses and you face a lawsuit from something that happened prior? The answer lies in tail coverage. What Is Tail Coverage? Tail coverage is an add-on to your insurance. The point of…
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How To Pass Your DOT Physical With Ease
When attempting to pass your Department of Transportation physical, you must meet certain requirements that prove you are in good health and are not at risk of having a serious medical issue while on the road. If you are unable to pass the physical, you cannot obtain a license and…
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Rent-a-Captive Basics
A captive, in insurance terms, is an insurance company that is completely owned by those it insures. Companies will join or form a captive with others in their industry to help write policies, set premiums and evaluate risks. Any underwriting profit or investment income from the captive is split between…
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The Differences Between High-Value and Standard Homeowners Insurance
Luxury homeowners typically have higher liabilities than standard homeowners. A high-value homeowners insurance policy can cover those additional liabilities with more value than a standard plan. Here are a few differences you should be aware of. Standard Coverage The insurance firm Allegiant Insurance states that a standard homeowner’s insurance policy…