5 Things to Consider For Your CA Business Insurance Policy

Posted on January 7, 2011 by bis-admin

Every business needs quality, reliable insurance – but not all businesses need to be insured for the same things. From general liability, commercial auto and workers compensation; every business is unique and comes with its own unique coverage needs.

Think about these 5 things, when customizing a California business insurance plan for your company:

1. Prioritize

It’s important that you clearly understand and recognize local California laws – that way you can pinpoint any additional kinds of losses common to your specific business venture. It’s a great idea to give your business property a thorough evaluation; take inventory and determine what’s of value and worth insuring.

2. Choose a Higher Deductible

Might sound a little crazy to some, but your business most likely can withstand the additional expense posed by a higher deductibles—especially if the opposing alternative is being underinsured.

3. Review, review, review

Ever couple of years you really should get into the habit of reviewing your current coverage. Things change in the business world – meaning that your insurance needs will too. Compare the price of your policy among your insurer’s competitors. If you find a better price, ask your current agent to match it.

4. Consider a Package

It’s important that all of your insurance needs are adequately covered. It tends to get expense when you create your own self-designed plan. After taking a full-scale inventory of your business, determine if there is a package match out there for you. If you can find a reliable package, that is inclusive enough to fit your needs, go with it!

5. Use Independent Contractors

If your business involves hazardous heavily-involved work, consider the use of independent contractors. Be certain that they carry their own CA workers compensation and general liability though.

All in all, whatever choices you make will affect your business. Find yourself a trustworthy agent who can help you navigate the insurance world and secure you a comprehensive, affordable business insurance plan.

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Massachusetts Encryption Law

Posted on March 25, 2010 by bis-admin

Mass Encyrption Law | Source: http://information-security-resources.com/wp-content/uploads/2009/07/data-300x270.jpg

Mass Encyrption Law | Source: http://information-security-resources.com/wp-content/uploads/2009/07/data-300x270.jpg


Are you struggling to implement procedures that will satisfy the Massachusetts Encryption Law? If you’re a small business you could be panicking needlessly. Are you over-doing it? Basically the law requires that you take reasonable steps to protect private information you hold about others. What is reasonable depends on a number of things:

• How big your business is and what resources you have at your disposal;
• the type of information you store and just how confidential it is; and
• how much information you store;

A large medical center that stores medical and personal information about patients would be required to take more steps to secure that information than a hairdressing salon that stores clients’ names and contact details and hair care preferences, and employee contact details.

The steps you need to take are relatively simple – you need to identify any private information you store, whether it relates to personnel or clients. Next, develop and document the procedures you will use to protect that information. Finally, train your personnel in those procedures.

If you offer new employees an induction pack containing information and procedures, don’t forget to update it with details about data security procedures.

Need more guidance? Ask us about the Massachusetts Encryption Law boot camp on 18 March or register on our website.

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Insurance for Family Farms

Posted on March 25, 2010 by bis-admin

Insurance for Family Farms | Source: http://www.cookhereandnow.com/cookhereandnow/images/webfamily06.jpg

Insurance for Family Farms | Source: http://www.cookhereandnow.com/cookhereandnow/images/webfamily06.jpg


Like any other business type, family farms need insurance. As a family business operator you can be particularly vulnerable on a financial level when things go wrong. You have the usual assets to protect (and a few unusual ones), machinery that can break down, stock or crops that can be destroyed and other risks.

Arranging affordable insurance for family farms is one of our areas of expertise. It’s important to have an insurance agency representative who is able to understand the needs of your business and the types of coverage you are likely to require. Not all insurance carriers offer policies that are ideal for family farms and getting it wrong can be financially disastrous.

Taking out the wrong coverage types can result in expensive premiums too, so in more ways than one it pays to deal with an agency like Insurance Offices LTD that has experience in family farm insurance.

As a family run business you’ll also appreciate our great customer service – we’ll take the time to speak with you about your needs and concerns. You’ll be able to speak with us whenever you need to and, in the event of a claim, we’ll be there to help you through it.

Insurance Offices LTD has representatives that have particular knowledge and expertise when it comes to insurance for family farms. Why not speak with one of them today?

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Memphis, Tennessee Commercial Business Insurance

Posted on March 23, 2010 by bis-admin
Smith Berclair Memphis Tennessee Commercial Business Insurance
[source:www.crenshaws.org]

Obtaining commercial business insurance in Memphis, Tennessee is easy – but for quality customer service, affordable quotes and agents who have expertise in this area, you need to call Smith Berclair Insurance.

We enjoy working with business people. It’s one of our specialty areas and the diversity of businesses we deal with is simply amazing. We learn something new every day. We can help you with insurance for your:

  • retail stores;
  • franchise operation;
  • manufacturing operation;
  • professional consultancy;
  • Internet or home based business;
  • restaurant or cafe;
  • media related business;
  • music or arts related enterprise;
  • construction or trade business;
  • rental business;
  • and many more.

As you might suspect, the types of insurance these business types require can differ because the types of risks they’re exposed to are different. For example, a media related enterprise runs a high risk of claims relating to libel and slander and to copyright infringement. While this risk is still present for other business types (you may be accused of infringing copyright with your advertising material), the risk level is much lower.

A good business insurance agent can ensure that you have adequate coverage for the risks you are exposed to, and don’t pay for coverage you don’t need. They also know where to look for the most affordable coverage for your type of business. Do you need any more reason to speak to someone at Smith Berclair Insurance today about commercial business insurance in Memphis, Tennessee?

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Connecticut Business Insurance Quotes

Posted on March 18, 2010 by bis-admin

Looking for better value Connecticut business insurance quotes? Want good customer service and a representative you can speak to at any time about your insurance requirements? Look no further – the representatives of the Elliot Insurance Group have a great deal of expertise when it comes to Connecticut business insurance and they can assist you in several ways including:

  • speaking with you to find out about your business and the type of risks you need to insure for;
  • obtaining affordable and comprehensive coverage for your business;
  • taking care of any personal insurance requirements you have such as home and auto insurance;
  • working with you to ensure that as your business grows or diversifies, your insurance is reviewed periodically and necessary changes (for example, an increase in asset or stock levels) incorporated;
  • assisting you if you ever need to make a claim on your business insurance;

We understand that as a business operator you need to focus on your core activities. It’s difficult to find the time to shop around for insurance but if you don’t you can end up paying hundreds or even thousands of dollars too much when it comes to business insurance.

Our recommendation? Contact Elliot Insurance Group today and let us find you the right business insurance quotes (that’s our core business) while you focus on your core business.

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Connecticut Restaurant Insurance

Posted on March 17, 2010 by bis-admin

[Source: http://www.tourism.wa.gov.au]

Do you need more affordable Connecticut restaurant insurance? Talk to the agents at Chelsea Insurance – we can find you the cover you need at a value for money premium. But why use an insurance agent for your restaurant insurance? It’s only logical really – if you came to us for a restaurant quality meal you might not be happy with the result! In fact, you’d probably find there would be too much of one ingredient and not enough of another. And in some cases (we won’t mention anyone in particular) you might find that a vital ingredient had been left out.

If you ask someone with no experience in restaurant insurance to put together an insurance package for you, you might get a similar result – too much cover for stock, not enough for liability and an important ingredient like business interruption left out. Now that’s a recipe for disaster.

As a restaurant owner in Connecticut you’re probably a bit of an expert on running a restaurant – just like we’re experts on insuring them!  We’re aware of the special risks that restaurants face and we understand how best to protect your important assets (both business and personal) from risk.

For an insurance package that isn’t half baked speak with an agent at Chelsea Insurance today. Blend your knowledge with ours and you’ll end up with the perfect Connecticut restaurant insurance package.

Posted in General Commercial Insurance, Restaurant Insurance, business insurance | Tagged , , , , , | Leave a comment

Massachusetts Business Insurance

Posted on March 16, 2010 by bis-admin

Source: http://www.bc.edu/centers/cwf/meta-elements/jpg/boston-skyline.jpg

Source: http://www.bc.edu/centers/cwf/meta-elements/jpg/boston-skyline.jpg


If you’re busy running your Massachusetts business, insurance needs can slip your mind. And that could end in tragedy – or at least financial loss. Business insurance policies should be regularly reviewed as your needs are likely to change as your business grows, expands or diversifies. Engaging Braley & Wellington Insurance to worry about your insurance needs for you makes good sense – and will leave you free to do what you do best.

As a business operator you probably already know that no matter how careful you and your employees are, accidents and mistakes still happen. Occasionally they result in an insurance claim. We can assist you with all aspects of business insurance including:

• property
• liability
• workers’ compensation
• commercial auto
• group benefit plans
• bonds

The Braley & Wellington representative who works with you will take the time learn a little about your business and your personal insurance requirements so you can have policies in place that will protect you, your family and your business against the risks you face – and not pay for the risks you don’t face.

Whether your Massachusetts business is in retail, hospitality, consultancy or the services and trades, we have the knowledge and expertise to keep you covered. Speak to a Braley & Wellington representative today about your Massachusetts business insurance and transfer your insurance concerns to our shoulders.

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Washington Bond and Insurance

Posted on March 15, 2010 by bis-admin

Altman Insurance has a range of bond and insurance products to protect your business and assets from just about any circumstance. If you’re a business owner or contractor, we’ve no doubt that you work very hard and that you’ve achieved a great deal. You might even be a bit of a “control freak” as many successful business operators are – but you don’t have control over everything and that’s where bond and insurance come in.

If you’re a contractor, contractor bonds can protect both you and your client. A bond is issued as a surety that a particular job will be completed satisfactorily and can encourage prospective clients to entrust you with the project. If you were to declare bankruptcy prior to the project’s completion, your client is covered. The bond can also protect you against claims of unsatisfactory completion.

No matter what type of business you operate, the agents at Altman Insurance will work hard to put together a comprehensive package of insurance that protects your assets from the risks associated with your business. We also assist our business clients with personal insurance products from home insurance to life insurance.

If you’re a business owner who likes to control what can be controlled and insure the rest, we understand! Speak with us today about Washington bond and insurance products.

Posted in business insurance, contractors insurance | Tagged , , , , , , | Leave a comment

Florida Financial Services – Vision for your Business

Posted on February 1, 2010 by bis-admin

If you have a dynamic vision for your Florida business, you might like to meet the financial services experts at Stirling Insurance. Our financial services personnel assist our Florida business clients with a variety of matters that can play an important role in the future growth and direction of your business.

If your business is growing at a healthy and sustainable pace the chances are it’s because you know that it’s all about obtaining quality employees and keeping them with you for the long term. When you’ve got the right people, you want to show your appreciation and one solid way to do that is by offering them additional benefits.

The type of business you run will partially dictate how you do this but you might be considering:

  • Group benefits – such as health and life insurance;
  • A profit sharing or pension plan;
  • An executive benefit plan;

Benefit plans like these don’t just help you retain good employees – they can help you attract them in a competitive market. And a stable team of experienced employees can give you a big edge over your competitors.

That’s not all our financial services experts can assist you with – they can also advise you on business succession planning, retirement planning and salary continuation.

A shared vision is a strong vision. Why not call us today and share your vision for your Florida business with our financial services team?

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Florida Restaurant Insurance

Posted on February 1, 2010 by bis-admin

Are you looking for a better deal on restaurant insurance in Florida? If you are then it’s time you introduced yourself to the knowledgeable insurance agents at H G Holdam Insurance and Tax Accounting. Restaurant businesses are one of our specialty areas so we already understand your business and we’re well placed to assist you.

Every business faces certain risks and while there are some risks common to most business types, a food business has some risks that others do not. Additionally, some types of risk are higher for restaurants than they are for say, retailers or office based businesses. For example:

  • Restaurants store perishable items that are required for trade in the immediate future. A power outage can cause not only a loss of stock but an inability to trade for an evening or two – and that would result in a financial loss.
  • The risk of fire can be higher for a restaurant.
  • Food businesses face the added risk of inadvertently serving food that is contaminated, whether or not the contaminated on your premises or delivered that way. Some bacteria can cause severe illness.
  • Similarly, there is the risk of staff serving an inappropriate meal to a customer who has advised they have an allergy.

If you’d like to deal with an insurance agent that understand your business, then call HG Holdam today for further information and quotes on restaurant insurance in Florida.

Posted in General Commercial Insurance | Tagged , , , , | Leave a comment