Finding Appropriate Coverage for Manufactured Homes

Every home is unique. No matter what time of dwelling you reside within, it is important to take time and protect your space in whatever way possible. Often, this means researching the most appropriate and comprehensive insurance policy to suit your needs. Certain types of housing will require additional coverage, such as manufactured and mobile homes. Due to the nature of these residences, the extra coverage can help to offer peace of mind to those living within difficult circumstances.

Key Components of Mobile Home Coverage

As reported by a number of outlets, manufactured home coverage includes a few key points. Since many manufactured residences must be constructed or installed on a particular lot, a traditional plan centering around mobile homes will include a type of protection aimed at this part of the process. Standard liability is also a part of the package, as it helps to keep you safe in the event that someone is injured while on your property. Additional points of interest with this coverage include:

  • Coverage for replacement costs
  • Protection for contents and possessions
  • Water damage and other special exclusions

Improve Upon Your Current Policy

Your insurance policy should be as unique as the home you reside in. Take time to review your current policy and see if you might do better with a plan that is designed to cover the specific risks associated with your type of home.

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Improving Educational Careers With Liability Insurance

Education is integral to a functional civilization. This means that teachers, principals and other educators play a very important role as they shape today’s youth into becoming successful members of society. However, their profession also leaves them vulnerable to numerous risks and potential lawsuits. School administrators and leaders can protect their staff from such exposures with a strong educator liability insurance policy.

Potential Risks

While teaching does not initially seem like a dangerous career compared to many others, it can open legal disputes. The experts on list some potential risks.

  • Injuries underinsured party’s supervision
  • The hiring of unqualified educators
  • Improper education and teaching methods
  • Physical and sexual abuse claims
  • Privacy rights violations

The instructors are often liable in these scenarios. Regardless of the situation, educational institutions benefit from the protection provided by insurance.

Benefits of Liability Insurance

A strong coverage policy considers every potential vulnerability that instructors face, from claims against them to property damage done to them. They help cover potential legal expenses that would otherwise hurt the school. Even if the teachers’ reputation never recovers, they are compensated for their ordeal. Additionally, a financially healthy institution is best capable of helping its students.

Educators greatly benefit their communities and deserve the best protection against occupational risks and hazards. An educator liability insurance plan is best suited for these situations.

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Insurance for Supermarkets and Grocery Stores

If you’re a supermarket industry veteran or executive, you probably already know a thing or two about a supermarket insurance program. If you’re new to the industry or the executive world, however, here’s a quick primer on this type of program.

Accident and Loss Coverage

The supermarket industry is rife with loss and risk. A supermarket insurance program typically covers the following accidents and losses:

  • Customer injuries
  • Food spoilage
  • Hepatitis
  • Power failure
  • Shoplifting

The types of coverage include, but are not limited to, the following:

  • Business auto (hired and non-owned)
  • Property and liability
  • Umbrella
  • Workers’ Compensation

Druggist and liquor liability may also be available to supermarkets and grocery stores that sell pharmaceuticals and beer and wine.

Risk Management and Accident Prevention Services

Many supermarket insurance program providers not only specialize in coverage for accidents and losses but also offer risk management services and accident prevention measures. According to Smithtown, New York-based insurance industry leader Irving Weber Associates, Inc., these additional services help clients to increase the safety of their retail spaces and reduce insurance claims.

Learn More

If you seek a supermarket insurance program, contact a licensed provider in your area. Most providers will work with you to create a coverage program that fits your operation’s unique needs and risk profile.

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Insurance Options for Portable Sanitation Providers

Anyone who attends a public outdoor event depends on your services to have a convenient place to use the restroom. While the portable toilets you provide are valued by your customers, they also come with their own share of risks. No matter what situation you find yourself in, having the right insurance can help you be prepared for it.

General Liability Insurance

This is the most basic form of insurance that all businesses need. Within the sanitation industry, it can help to protect you from liability for various accidents that may occur on-site, such as an injury that someone sustained when using your portable toilet. You can also customize general liability insurance so that it suits your specific needs.

Vandalism Insurance

When you provide portable sanitation services, you know that you have to contend with the possibility of vandalism. Fortunately, many portable sanitation insurance packages include vandalism insurance to address these concerns. The costs associated with vandalism can be high, but the right coverage can save you from paying the price.

Commercial Property Insurance

As seen on, this form of insurance protects the property on which your portable toilets are located. If any of the following situations take place, commercial property insurance can cover the relevant costs:

  • Natural disasters
  • Theft and vandalism
  • Fires
  • Burst pipes

Your portable toilets need to be protected under any circumstances for your business to thrive, and a reliable insurance policy can help.

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Insurance for Lawyers and Law Firms

Many lawyers think of malpractice insurance as a necessity they’d rather not spend a lot of time with when they think about it at all. While no one likes to dwell on the need for it or the circumstances that lead to a claim, it’s a vital part of a profession that deals with people at their most emotional and confrontational. It is important to spend some time thinking through coverage, too, because as points out, the costs of malpractice are a lot higher than you first think when you look at the dollar numbers on a policy’s coverage sheet. That’s because there are so many things it covers, things that really go beyond what most people think of when they think of the scope of these policies.

  • Cyber attacks and data breaches
  • Hiring and training issues for firm employees
  • Merger and acquisition disputes

Contending With Escalating Causes

As the cost of coverage continues to rise, it’s vital to remember that the number of claims being filed and the industry’s perceived likelihood of claims both feeds into your quote. If you feel like your policy costs are increasing but you’re not actually at higher risk, though, then it’s time to get a quote and have a conversation. Working with an insurance agent who really understands NSO malpractice insurance is a great way to connect to as many carriers as possible, giving you a chance to get the best rate possible for your next policy renewal.

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How To Protect Your Executives

When you offer goods or services to consumers, there is always the possibility of liability. The people in your company who make major decisions are often under the greatest scrutiny. You need an executive protection plan that protects them. Moody Insurance recommends liability coverage specifically designed to handle the legal fees of those who are in charge. Your company may have a choice between a policy with a duty-to-defend option or reimbursement.

Duty To Defend

The D&O coverage of many small companies falls under a duty to defend. The contract obligates the carrier to cover certain expenses:

Attorney fees
Court costs

Once the total cost is known, the carrier can bill the clients for the portion for which they are responsible.


Coverage that is offered on a reimbursement basis can give larger companies or those that are publicly traded a little more freedom. The carrier has the right to address every claim but is not obligated to do so. Therefore, the client may be able to handle smaller or more frivolous matters in house rather than involve the insurance company.

Regardless of which option works best for your company, it is in your best interest to purchase a plan that protects your top executives. Such a plan empowers them to make strong decisions, knowing that the company has their back.

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The Top 3 Reasons You Should Consider Insurance for Pollution Liability

The Top 3 Reasons You Should Consider Insurance for Pollution Liability

As a contractor or environmental consultant today, you likely encounter situations regarding the need for liability insurance on a regular basis. Thankfully, Contractor’s Pollution Liability insurance, or CPL for short, exists to cover you and your business.

1. It Is Flexible

CPL plans are designed to protect you and your work product, regardless of the type of work you perform. In the wide range of options, you could choose from liability insurance that covers claims for personal injury, clean-up costs (including pollution removal and transportation), property damage and emergency responses.

2. It Is Personalized

Insurance companies recognize that your work can happen on a large or small scale, so pollution liability insurance plans can be designed to fit your needs. This means that if you would prefer CPL for just individual projects or for larger yearly coverage, you can find the best plan for your work.

3. It Is Cheaper Than You Think

With so much versatility among plans, high-quality liability coverage can be found at a reasonable price. Additionally, consider the long-term financial and mental value offered by comprehensive plans. An experienced broker can help you find the best deal on insurance. Taking the time to understand your unique needs concerning pollution liability insurance sets a solid foundation for the future of your business.

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Advantages of Bundling Insurance Policies


While insurers often sell business insurance policies separately, most will make available to small or medium-sized companies business insurance packages that combine protection from all major property and liability risks in one package called a business owner policy, or BOP. Larger companies will often purchase a commercial package policy or they may need to customize their policies to meet the special risks that they may face.


Different coverages needed by most companies


The standard BOP covers the three essential areas of concern, which includes liability protection. This covers a company’s legal responsibility for any harm that it may cause to others. For example, If an owner, or anyone that he or she employs, does (or fails to do) something that may cause bodily injury or property damage to others, due to defective products, faulty installations and any errors in services provided, can be grounds for a claim.


Property insurance covers the buildings, along with the contents (equipment, furniture and the like) owned by the company. There are two different forms available – standard, and special, which will provide more comprehensive coverage for companies with specific needs beyond the standard coverage.


Business interruption insurance is vital for any company that suddenly, and unexpectedly must close due to anything from a power outage to weather conditions that causes damage or destroys their property. In fact, it provides for anything that forces the business to cease to properly function as outlined in the policy. This also covers loss of income and can include any extra expense of operating out of a temporary location while repairs are being made.


It’s important to note that a BOP, for all of the coverage that it does provide, doesn’t cover everything. Certain claims, including those arising from professional services performed are not covered, nor are client damages due to inaccurate or incomplete advice given to a client that results in financial loss or reputational damage. A separate policy needs to be purchased for these exposures.


If you think a business owner policy is a good fit for the type of operations that you’re engaged in, speak to an agent that can determine rates quickly and efficiently.

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What Insurance Coverages Banks Should Carry

Banking institutions are certainly no strangers to the breadth and scope of risks they face, especially in today’s business environment where they face much stiffer competition than in years past along with more stringent regulations than ever before. Yet as these lending institutions continually adapt to the changing needs of their operations and services in order to stay ahead of the curve, they could face certain risks, which could also be compounding their vulnerability to a wide variety of financial threats.


There are many unknown perils that may lurk over the horizon, while daily issues such as employee theft and even common slip and fall claims work to hurt a bank’s reputation as well as their bottom line. In times like these, it’s important to have a stable, experienced insurer in your corner that understands the ins and outs of your institution’s operations and can provide the right type of Insurance for Banks designed to fit your needs, both basic and complex.


Tailored insurance solutions you can depend on


Your insurer’s job is to provide you with a well-rounded insurance program that can both protect your operations and help you manage the costs associated with claims, lawsuits, and situations resulting in a loss of stability. The right insurance agency will aid you by providing property and casualty policies with the capacity to help streamline the insurance process for you. In doing so they will also help you avoid the complications of dealing with multiple insurers.


Protecting your operations property should be among their chief concerns. For example, a fire could damage or destroy your institution’s buildings, and the cost of reconstruction could include meeting newer building ordinances. Naturally, your insurance will pay the replacement cost to rebuild the building, including the cost to comply with ordinances or laws, up to the policy limit. But you will also benefit from having business income and extra expense coverage in case a catastrophic storm wreaks havoc on multiple branch locations, causing the closure of one or more branches, perhaps for weeks or longer.


You will likely want to purchase an all-risk property / business income perils insurance policy that helps to protect you from the impact of lost revenue. There are other products available that might also fit your needs, including Professional Liability for Banks, Cyber Liability, Crime, D&O, and Employment Practices Liability Insurance, among others. Speak to an agent about Insurance for Banks and get the type of coverage that you benefit from the most.

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NJ Business Insurance and Cyber Theft Issues

Data breaches, network security, and identify theft are terms that many small business owners are dealing with on a regular basis. The fact that these types of exposures are running rampant in businesses across a wide spectrum are a concern that needs to be addressed. Fortunately, cyber coverage is available in the form of NJ business insurance coverage.


Over the last few years it became apparent that even small businesses were being infiltrated, simply because they were easy targets due to a lack of proper security, and as long as companies using computers and storing private information lack the proper remedies, they will continue to fall prey to hackers and thieves bent on stealing private information for resale.


More and more companies have added cyber liability policies to their business insurance package in order to address all levels of risk. Meanwhile, the insurance industry continues to address these exposures with various types of cyber liability coverages. Whether the attack comes from external sources, which is often the case, or if an employee or someone with access from within commits these crimes, this coverage is essential to businesses at risk.


Cyber theft can be extremely costly


Once a company is the victim of a breach, and information is obtained, the cost involved in informing clients, customers, and employees can be substantial. The thieves will likely sell any credit card numbers, social security numbers, and other valuable personal info to resellers who turn around and sell them in online forums or to other thieves. They will often encode the numbers onto blank plastic cards in order to obtain funds through ATM machines or purchase goods over the counter.


Every business owner is at great risk


Data breaches occur that can affect millions every year. Malicious threats, such as Malware, Spyware, and “Phishing” often create exposures and the results can be quite damaging. Non-malicious threats pose serious concerns as well, and issues like lost, stolen or misplaced laptops and smartphones, use of company computers by unauthorized users, and internal network sharing/configuration errors can be equally responsible for a breach.


Companies are required by law to notify customers in their database whenever a breach is suspected, which will often bring further damage to a company in terms of reputation, along with a loss of customer confidence. When an owner factors in the expenses to defend against hackers, they can see just how costly this can be. You simply cannot afford to be without NJ business insurance that deals specifically with cyber liability issues.

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