Monday, May 2, 2016Register as a Contractor for the First Time If this is a new business, you must do the following: Choose your business structure. If you are going to operate as a Sole-Proprietor or General Partnership, skip to step 3. READ MORE >>
Friday, April 29, 2016One issue that may not occur to boaters until it happens is a stalled boat. When a larger boat loses power, it usually has to be located and towed back to harbor/shore. Tows are typically quite expensive. Towing charges are usually based upon the time the towing firm takes to depart from port, reach the boat needing assistance, and returning to port (portal to portal). READ MORE >>
Tuesday, April 19, 2016 While motorcycles operators and their driving considerations are quite different than persons operating other, larger, enclosed vehicles; there is one, major similarity…..the need for insurance protection. Most states have financial responsibility laws requiring you to carry proof that you are able to pay for any damage or injury you may cause while driving. READ MORE >>
Thursday, April 7, 2016Businesses price their products to cover the costs of production as well as their labor, sales marketing and other major expenses. Prices also reflect some post-sales costs such as handling repairs or replacements under warranty. At one time many industries used a pricing strategy for their products that failed to reflect their true costs. READ MORE >>
Wednesday, March 30, 2016 Most homeowner policies provide very limited coverage for jewelry. The reason? Jewelry is high-valued (especially in relation to its size), is easily lost or destroyed and is vulnerable to theft (as well as fraud). If you only own a modest amount of jewelry (say just a few hundred dollars), perhaps the limited coverage provided by a basic policy is adequate. READ MORE >>
Thursday, March 24, 2016Whether we insure our car, our home, our boat, our personal property or our business, there is a basic premise of insurance that underlies them all…..sharing in losses that occur to them. A more common term for loss-sharing is deductible. READ MORE >>
Tuesday, March 22, 2016An insurance policy is a promise to protect you against certain types of loss, but it can't follow-through unless it knows about a loss. Prompt notification is so important that it is a formal policy requirement. A policyholder that fails to meet this obligation could result in a claim being denied. READ MORE >>
Wednesday, March 16, 2016If you work from your home for part of your work week and if the situation is an ongoing arrangement with your employer…that's telecommuting! That is also an opportunity to make special insurance considerations. Consider the following: Property Considerations You may have gaps in coverage because of your work arrangement. READ MORE >>
Monday, March 14, 2016Your chances of suffering a loss is increasingly affected by your use of the Internet and, particularly, social media. Increasing your awareness of social media liability loss exposures may help you to minimize or avoid them. READ MORE >>
Tuesday, March 8, 2016A standard homeowners insurance policy offers a limit equal to half of the amount reserved for the residence (ex. Your home is covered for $150,000, so your contents and furnishings are covered for $75,000). While this is generous coverage, it doesn't extend to all types of property nor for all causes of loss. READ MORE >>
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