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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…
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Why Your Campground Needs Coverage
Camping is as much an American pastime as baseball, and if you own a campground then you know the risks involved. Rather than wait for something disastrous to happen during a guest’s visit, cut it off at the chase by pinpointing risks and having them insured ahead of time. What…
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Self-Insured vs Fully Insured Workers’ Compensation
Getting the best coverage for your employees goes without saying. However, businesses still have options when investigating policies. There are quite a few differences between workers’ compensation self-insured vs fully insured programs, and knowing which to choose will help not only your company but your staff as well. Fully Insured…
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3 Reasons Why You Need Marine Liability Insurance
If you are not sure about buying specialized coverage for employees who work on a maritime craft, you are not alone. Some contractors with general liability insurance think they do not need marine coverage. The experts at Merrimac Marine offer three reasons why you need maritime liability. 1. You benefit…
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The Right Insurance for Small Business and Specialty Markets
Operating a business in a specialty market can pose a number of unique challenges. In order for you to see the continued success you desire, you need to give yourself time to assess the specific risks your company faces. Once you’re able to get an idea of the biggest threats…
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Your Guide to Grocery Store Insurance
When you run a grocery store, you need to keep yourself, your employees and your assets protected. The best way that you can protect your store is through business insurance for grocery stores. Irving Weber Insurance notes that grocery stores have very unique risks and hence require unique insurance coverage.…