Florida Business Concerns and Commercial Property Insurance

Designing, manufacturing or distributing a product can be an exciting venture. However in our complex world, simply selling a product has become cause for concern, and moreover a product liability exposure. When a product sold by your firm injures someone, they will likely file a lawsuit against the responsible parties. A product liability policy, one type of manufacturers insurance, covers manufacturers, distributors, suppliers, retailers, and others who make their products available to the public.

Claims that are most commonly associated with product liability are negligence, design defect, manufacturing defect, a failure to warn about inherent dangers, strict liability, breach of warranty, and various consumer protection claims. Each type of product liability claim requires different elements to be proven to present a successful claim. Many wholesale and retail operations and venues, however, require that you as the manufacturer, distributor or wholesaler have products liability insurance on the items you develop.

What does manufacturers insurance for product liability cover?

Liability insurance is designed to protect the business against losses even if they are found to be negligent or liable for damage, injury or loss to another’s property. Typically, the insuring company pays damages, legal defense fees and settlement charges when a claim is filed against the business as a result of a liability suit. Products liability insurance will cover the insured for suits that arise out of damage or injury of use of a product that the holder of the insurance policy manufactures or sells.

If your company designs, manufactures, sales or distributes a component or end user product, you would be taking a huge risk by not having product liability coverage in place. This applies to any business or individual in the business of manufacturing his or her own product, even when the product in question is manufactured by a subcontractor or other entity. This includes an operation that resides overseas.

When purchasing manufacturers insurance for liability concerns the insurer will want to know, among other things, the type of product that you’re covering, its use and the target market, what materials were made to create the item, any claims made about the product and if it comes with detailed instructions. Ask your agent any questions you have about liability insurance and what amount may best fit your needs.

Why Liquor Liability is an Essential Addition to Your Venue Insurance Policy

Alcohol and its resulting behavior remain a hot button issue, and despite growing awareness regarding drunk driving, people continue to get behind the wheel after leaving bars, nightclubs and other venues intoxicated, and as the business owner you could be held responsible. As a result, you want to make sure that you are adequately covered against lawsuits in your venue insurance policy.

How Are You Considered Responsible?

Many states possess laws that hold a business responsible for serving a visibly intoxicated individual. Additionally if that individual subsequently causes damage to others or himself, you are held accountable. This is true even after an individual has left the premises. Therefore, if he gets into a fight in a nearby park or causes a drunk driving accident on the way home, you are put on the line. While you may feel that you have adequately trained your employees, these events are extraordinarily common.

What Will You Need In Liquor Liability?

As you begin shopping for an appropriate liquor policy, you will want to make sure that all of your potential legal and liability costs taken care of. Make sure that it not only covers drunk drivers, but also assault and battery. In addition, to protecting you against physical damage claims, you will also want to look into a policy that addresses mental damages. Additionally, you will need defense coverage to address legal costs in the event of a trial, and finally you will want to make sure that your employees are covered in the event that they drink on the job. Finding a comprehensive venue insurance plan will help you avoid major issues down the road.

Why Nightclub Insurance is a Necessity

You have dreamed of the perfect nightclub for a very long time, and you have finally had the opportunity to open the spot of your dreams. While you may have already spent hours picking out the perfect DJs and crafting unique cocktails, you may have forgotten about one of the most important steps in establishing your business: nightclub insurance.

Why Do You Need It?

Nightclubs can be extraordinarily lucrative businesses with significant earning potential, but they are also prime locations for potential lawsuits. You could quickly and easily find yourself on the receiving end of a number of different litigation’s. Your business can easily be found liable for alcohol, violence and health related issues. While you may feel you have control over events within your own venue, you can be held accountable for a number of alcohol and violence related issues that occur outside your establishment, and today people are more than ready to sue for reparation or even profit.

What Do You Need?

As you begin to look for a nightclub insurance policy, you will want to make sure that you have all your bases covered. You will want to start with a general liability policy that will cover the basics of running any business including employee disputes and property damage. You will then want to add assault & battery, liquor liability and product & completed operations insurance to handle additional events that occur on and off your property. Make sure that you have protected your assets and begin researching what you need to cover your new business.

Who Needs Wind Insurance in Florida?

If you are a residential or commercial property owner in the Sunshine State, you have probably been exposed to severe weather that caused significant damage in your area. You may think your current property or homeowner’s insurance policy covers losses due to storms, but most insurance policies, especially for structures in an area with higher storm risk, do not extend to storm damage. Wind insurance in Florida is worth the added expense for better protection.

What is a Windstorm?

In Florida, a windstorm is usually considered to be a tropical storm or hurricane, but other significant weather events would also fall into this category. Severe thunderstorms, tornados, and hail storms would all be considered windstorms, and all of Florida is at risk for any of them.

What Coverage Options Exist?

Wind insurance in Florida is usually offered as a rider on an existing policy. Deductibles can be based on different plans, including as a percentage of the damage expenses or “all perils,” which may be a better value.

Is This Insurance for You?

Homeowners are not the only ones who would benefit from wind insurance in Florida. Commercial property owners would do well to consider it, especially if they own:

  •  Institutional buildings, such as schools and hospitals
  •  Industrial or manufacturing facilities
  •  Retail commercial property
  •  Multifamily dwellings

The best way to make sure you are adequately covered is by speaking with your agent. Insurance agents are always willing to provide a comprehensive review and adjust your plan accordingly.

Electricians Coverage from an Insurance Agent in New Mexico

If you own a small electrician business here in New Mexico chances are that you purchased insurance to protect your workers and your business. If not, you should be asking yourself just what does an electrical service installation business need to stay protected. As an electrician, there are several risks and exposures to consider both on and off the job. And as a business owner, you have a lot of concerns when it comes to your equipment, as well as your employees. Today is the day to speak to an Insurance Agent in New Mexico and get electrician’s insurance to protect you against all types of liability concerns.


Safety is high on the priority list


Working with electricity can be dangerous and at times, deadly. The most important thing to remember is that the safety of your employees should always come first. Between the possibility of potential electric shocks, to simple or deep cuts and scrapes, or perhaps much worse dangers working around power lines, there’s a lot you need to do to protect yourself and your workers. If you have other electricians or assistants working for you, in addition to providing them with proper coverage, make sure they are well trained and follow all safety instructions.


The flip side of the coin is your customers. A client may accuse you or one of your employees of doing faulty work, but having electrician’s insurance coverage can protect you from being held personally liable. Nobody wants to be the victim of a false accusation, not to mention the likelihood of having your finances and reputation damaged, but these things do occur. Your best bet is to always have the right coverage for any exposures that you may face.


Even though you may complete a job to satisfaction, there’s always the risk of the work you’ve done on electrical equipment resulting in some type of damage down the road. With the potential for a fire or an even greater electrical problem occurring as the result of your work, you simply can’t risk facing a costly lawsuit because you were under- or uninsured. Speak to an Insurance Agent in New Mexico and get the right protection at the right cost!


Why Good Content Matters for Your Insurance Agency

Insurance digital marketing

If you have an insurance agency today, then you understand the importance of insurance digital marketing. More and more people find and purchase insurance using online tools. They browse the web using computers, smartphones, and tablets. In many cases, they even sign up for insurance policies when they are on these devices. This makes it imperative for insurance companies to establish good digital content.

Good Content Attracts Customers

When you have good content to offer, you are more likely to attract actual customers to your website. Sometimes insurance agencies produce a lot of content that attracts visitors to their website. Unfortunately, the content lacks the quality to convert these visitors into customers. When this happens, you are ineffective and inefficient with your content efforts.

Retain Your Customers

In addition, the better your content is, the more likely you are to retain customers. Good content solidifies you as an authority in the insurance industry, and it minimizes the likelihood that your current customers will move to a competitor.

Because insurance digital marketing is so important, make sure to take the time to improve your content. If you need help, you can always work with an expert. Many agencies greatly benefit from improving their content. It can increase their sales and improve their efficiency.


State Laws and Liability Dog Insurance Issues

There are certain laws that determine dog bite liability, and these of course vary from state to state. Dog owners need to know exactly what the liability issues are in whichever state they live. Basically, there are two kinds of laws: liability when the owner of the dog knows (or should know) that the dog might be prone to biting someone, and then there is liability regardless of what the owner knew or should have known. Having liability dog insurance helps pay for any damages.

”One Bite” laws work to the dog owners’ advantage

The “One Bite” law is applied in about 40% of the states in the US. Generally stated, it once meant that a dog was allowed “one excused bite” before its owner wound up in legal trouble. Now, however, the one bite rule doesn’t necessarily allow a dog to bite someone without consequence. If an owner knows the particular breed is dangerous, the owner could be liable for that first time that an incident occurs.

The owner simply must take necessary precautions, all the more true based on his or her knowledge of the animal. For example, a dog that is prone to snapping at people should always be restrained. The owner could also be held liable if someone approaches the dog, is not properly warned about the animal’s aggressive behavior, and is subsequently bitten.

The dog’s breed, how the owner went about training the dog, how the owner typically restrained the dog under necessary circumstances, and for what purpose the owner bought the dog, for example, protection, could all be used in determining if there is a viable case against the owner of the dog.

“Strict Liability” dog bite laws

The majority of states have enacted “dog bite” statutes that provide specific rules for dog bite liability cases. “Strict liability” means that the defendant is held liable in the event that a specific event occurs, and this may be regardless of whether or not the defendant could have done anything to prevent the event from occurring.

As the owner of a dog that may be prone to biting or attacking, you should carry sufficient liability dog insurance. Because, in a court of law, if the plaintiff did not provoke the dog in any way, and was within his right to be located where he was at the time of the attack, then the defendant would be liable for the dog biting this person.

Safety, Maintenance and Laundromat Insurance

One thing that every owner of a coin-operated laundromat should make his or her top priority is safety. After all, the locals who utilize your business depend on you to ensure that they don’t become victims of an injury caused by faulty equipment or other unsafe conditions. Maintaining a safe and secure environment not only benefits employees and customers, but as a laundromat owner, it can impact your bottom line.

You’ll need plenty of Laundromat insurance to help pay costs associated with any liability issues. By properly maintaining and securing your store, you’ll not only protect your assets and profits, but you’ll also keep your customers and employees happy and secure while making sure your store is operating at its full potential.

Regular maintenance is essential

Keeping your laundromat as safe as possible will minimize the possibility of insurance claims, so be sure to inspect your facility for existing problems on a regular basis and be sure to fix any issues brought to your attention immediately. This includes both, the inside of your facility, as well as the outside of the building. As a laundromat owner you can prevent the likelihood of insurance claims by operating your coin laundry properly.

Wet floors are the cause of many slips, trips and falls. This can also occur outside the walls of the laundry due to cracks, potholes, or uneven pavement. While you may only be renting the premises, you could still be held liable for injuries customers might incur while entering or leaving your commercial laundry. If you notice problems outside of your store needing the landlord’s attention, be sure to immediately notify the property owner, and keep copies of all correspondence including package delivery receipts, or confirmations from certified letters.

This industry has experienced some high-profile accidents resulting from issues like safety door locks on machines not operating properly. These types of incidents could result in loss of limbs and other serious consequences. No frontload washer door should ever open while the washer is in cycle and no top load washer should ever continue in cycle upon lifting of the lid (all lid switches must be kept in proper working order).

Don’t risk everything you’ve worked so hard for by not keeping everything in tip-top condition. Laundromat insurance is better served by taking care of necessary repairs in order to avoid unnecessary lawsuits.

Planning Websites For Your Insurance Agency

Insurance will forever be a requirement, either to protect personal assets, or the business entity as a whole, and we will all buy insurance at some point in our lives. Whether you purchase insurance from one agency or another will often depend on just how well they present their products and services. People want to feel comfortable knowing what they’re buying, as well as how quickly and easily they’ll be able to file claims and get results.

When building Insurance Websites for your business, one major factor should come to mind, and that’s conversions. This is best accomplished when an agent gets people to come to their website and submit their contact information (or make contact via telephone). In either case, the site is generating interest, and this helps put the agency in position to make sales.

A professional is best at building a proper website

There are designers and developers who are quite capable of helping to create a well designed website that suits your needs. Take time to evaluate other sites and decide what looks good to you and also how user-friendly the site is in terms of being easy to navigate.

Make sure to keep the consumer in mind

When someone visits a website and finds it difficult to find something as simple as your contact information, you’re likely to have problems. Simply make this a priority. Ensure that contact information is easily accessed, include an email address and phone number on the home page (and on every other page of the site), and remember that the header or a sidebar is probably the best location for this information.

Chances are that you aren’t the only game in town, so if you aren’t doing something unique to set your site apart from the competition you won’t be leading the pack. You must give the consumer the added confidence that comes from knowing they’re dealing with the best in the business, and also knows everything there is to know about the products being presented. Insurance Websites for agents don’t have to be overly complex – they just need to be properly designed.

Helpful Tips on Getting California Home Insurance Quotes

With the cost of everything going up these days, we are all looking for ways to save some extra money. This requires cutting out some of those things we often take for granted. While some people have done away with the morning trip to the coffee shop, others began carpooling to work to save money at the pumps.

One way to save that’s often overlooked is finding ways to reduce homeowner’s insurance premiums. This may require a little work on the part of the homeowner, but when obtaining california home insurance quotes remember that there are savings that can be obtained by making a few minor adjustments in and around your house.

Save money by raising the deductible on the house

According to the Insurance Information Institute (III), if you can afford to double your current deductible from $500 to $1000, you may save as much as 25% on your annual premium. Homeowners insurance is not intended to be used for small fix-it claims, and the benefits of a lower deductible can quickly disappear due to the increase in rates resulting from making such claims, as opposed to fixing minor issues without involving your insurer.

Save money with multiple policy discounts and adding safety features

Purchasing coverage for your home and car from the same carrier could save you up to 15% on both premiums. In addition, you can save up to 20% for additional safety features such as deadbolt locks, window locks, and alarm systems. Insurance companies highly value the protection afforded by burglar alarms and fire alarms (especially those connected to monitoring agencies such as local police and/or the fire department).

Improvements to a home can equal huge savings

A new home’s electrical, heating, and plumbing systems are likely to be in better condition than those in an older house. If making any home improvements to an older home, make sure to update the homeowner’s insurance policy accordingly.

Eliminate any coverage that isn’t needed

Ideally, a policy should cover any major purchases or additions to a home, but don’t spend money for coverage that isn’t needed. There may be appliances, electronics, and other possessions that have depreciated over time. When the time comes to compare california home insurance quotes, it’s probably a good idea to check the limits of the homeowner’s policy against the actual value of your possessions annually.