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 www.tangramins.com/, 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.

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 www.huntersure.com 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.

What You Need To Know About Marine Insurance

The more global our economy becomes, the more cargo ships transfer goods across seas. Unfortunately, accidents happen. Having marine insurance with New York Marine & General Insurance Company covers the legal liabilities of the company transporting goods. But how do you know if you need to have a marine insurance policy and what does it cover?

Coverage Basics

When goods are shipped by sea, the insurance offers coverage from the beginning of the shipping process until the destination arrival. Items stored in port warehouses are often covered. Personal and commercial cargo can be separate coverage options depending on the policy.

Claim Types

Accidents and losses happen. When they do, a claim usually arises, since someone needs to pay the bill. Typical claims covered by marine insurance include grounded ships, total loss, loss of cargo, hull damage, revenue loss and pirate attacks. The insurance steps in for negligence, weather and accidents.

Who Benefits

Businesses who transport goods for their company or others should look into a marine insurance policy. Fishing, marine contracting, goods export/import companies and marine service supply companies also benefit. Private owners of seagoing vessels such as yachts may also need marine insurance.

If you’re unsure if you need marine insurance with New York Marine& General Insurance Company, ask your agent if you are at risk. Marine insurance is for both commercial and personal purposes.

Insurance for a Service Industry

If you own a manufacturing facility, you are well acquainted with the risks and exposures you face on a daily basis. Whether you are concerned about employee safety or financial loss in the event of a product malfunction, the right manufacturer insurance policy will address these challenges.

What It Covers

The industries serviced by manufacturing companies are many, increasing the diversity of liability needs for those engaged in these operations. Your insurance provider will be able to more fully divulge policy coverage applicable to your services, but the following items are commonly covered.

  • Property
  • General Liability
  • Business Interruption
  • Off-Premises Utility Interruption
  • Equipment Breakdown
  • Pollution Liability
  • Product Liability
  • Employment Practices Liability
  • Directors & Officers Liability
  • Workers’ Compensation
  • Commercial Auto
  • Product Recall
  • Crime
  • Manufacturer’s Errors and Omissions

Who Needs It?

There are many industries relying on the products and support of the manufacturing industry, and while the services and goods may vary, liability risks are evident. Those who would benefit from a manufacturer insurance policy include those working with apparel, metal production, electrical equipment or machinery, industrial molds, home furnishing construction or repair, wood or plastic products and food and beverage distribution.

Your work and services are valuable to the economy, and you would be wise to protect your company from financial liability and undue stress with a comprehensive insurance policy.

Night Club Insurance Protects Owners Facing Costly Liabilities

Nightclub owners have what must look like an enviable job. Popular clubs draw both locals and visitors from out of town and people often line up waiting for what may seem like hours to grace the inside of these glitzy venues. But being the proprietor may seem like a lot more fun than it actually is.

Consider the fact that nightclub owners must deal with a full range of situations that could result in injuries, property damage and perhaps even fatalities. Added is the new danger that terrorists and terrorist groups that target these clubs bring, and the concerns become even more serious.

While we hate to bring up the tragic event that recently occurred in Florida, events of this nature can negatively impact these businesses as well as cause serious financial losses. Having nightclub insurance is necessary since a company experiencing a business interruption of any sort requiring them to close their doors for days or even weeks could mean losing revenues that could be crippling.

 

Loss of revenue just one of many concerns

Aside from a terrible tragedy occurring, nightclub owners also have to contend with liquor liability issues, patrons getting into fights resulting in injuries and lawsuits, even accidents taking place away from the location. An example of this would be an incident occurring as a direct result of an inebriated customer leaving the club and causing destruction or turmoil while driving their vehicle. The list of risks and exposures faced by operators of nightclubs is long and it takes a great insurance package to address so many concerns.

In addition, you might face cash flow problems as a result of some incident where they experience serious damage to their venue. If a fire breaks out and causes enough damage you may find that you’ll have to close up shop for a period of time in order to make necessary repairs. When your business must remain shuttered for any length of time, those mounting costs can even lead to bankruptcy.

Purchasing adequate nightclub insurance will certainly help. To have success you’ll need coverage that addresses several risks and exposures that could hamper your ability to be a success. Speak to an agent about all of your questions and concerns.

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.

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.

Remember Jamzilla? Avoid the Century Crunch!

A lot of the staff at Joomla3 Template work around the globe, but there’s one constant: We’re all tied to California in some way.

I personally remember landing in Los Angeles just in time for something the locals called ‘Jamzilla’. It was horrible. I mean even the ‘regular’ traffic was already horrible. It’s then that I realized why Californians call freeways by “the”. If I was on a road for 1/4 of my day, I’d start revering the stuffing out of my roads too. They deserve to be called “the”.

But I digress.

My colleague is headed out to LA tonight just in time for a horrible construction-related traffic jam called the “Century Crunch” and worst of all: It’s right next to the LAX Airport. Why would anyone be so cruel?

Apparently its for some light rail. Public transportation is sorely needed so it’s a good step for a city that barely considers anything outside of getting into the car as transportation.

Make sure your taxi’s avoid the 405 freeway. Don’t let the meter blow all your night-out money.

 

Customer Satisfaction is Key to Successful Insurance Telemarketing

Photo by Bada Bing via Flickr

Insurance telemarketing is an art and you need to hone your craft in order to be more successful at it. This begins with your first contact with a prospective customer. When prospecting, or calling people who won’t instantly recognize you, using both your first and last name builds your credibility and professionalism, and eases any skepticism. Once a relationship has been established, last names are no longer necessary.

Persistence really does pay off, but you don’t want to come off as annoying. If you ever receive comments about your being persistent, simply say something like, “I am. That’s because I believe so strongly in what I have, and how it will help you.”

When is the best time to call?

Have a specified field set aside in your computer or a consistent spot in your notes on the best time to call an individual. If you call the same people on a routine basis, knowing when you have a better chance of reaching them can save you a lot of time. If you catch them at a bad time, ask them when they would prefer for you to call, that way they will be expecting the call, rather than surprised by it.

Be sure customers are satisfied

Customer satisfaction is really at the heart of the matter. Dissatisfaction is the difference between customer expectations and results. It’s your job to understand what results your customer or potential customer expects, and then ensure that you can deliver before you sell them. It’s better to turn down a sale rather than have it turn sour. All good insurance telemarketing companies understand how important this fact is.

While you won’t always have a perfect fit with what someone needs, by referring them elsewhere, you are still accomplishing what should be your ultimate objective: helping the prospect get what they really want and need. They will appreciate your willingness to help, and perhaps when the prospect does have something you can help them with, they’ll remember you as a result of this exchange.