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If You’re Passionate About Boating, Invest in California Boat Insurance

If You’re Passionate About Boating, Invest in California Boat Insurance

There’s nothing quite like setting sail in the wide-open ocean and feeling the wind at your back as you cut through the waves with ease and grace. If you’re a boat enthusiast, you know the feeling, and you also know that there is not much that is better than being out on the water. However, you also understand the risks that come with boating, as well as the importance of carrying insurance for California boats.

Everything from other boaters to Mother Nature poses a risk to your vessel. If a bad storm with high winds rolls through while your boat is parked in the dock, your boat could sustain moderate to severe body or water damage. If you are out on the water and another boater doesn’t see you, or if another boater is intoxicated while operating, they could crash into you, resulting in property damage, personal injury or even lost property.

Boaters’ liability insurance is available to protect you, your boat and your passengers from unforeseen incidences and events that can happen anytime your boat is on land or in the water. Liability insurance can also protect you in the event that another boater or a passenger files a claim against you after an accident, and will cover your legal defense and help pay for a monetary settlement if necessary.

If you own a boat, insurance for California boats shouldn’t be an afterthought—it should be a priority.

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Saving Money on Insurance

Saving Money on Insurance

Having a bar or tavern can be a profitable business, but it can also be a costly one, especially if you do not plan ahead and insure your business. Wholesale tavern insurance companies want to help you save money on your insurance with a number of discounts, such as multiple policy discounts and multiple location discounts. In addition to checking which discounts your business applies for, there are some other ways that you can save money.

One way to save money is to keep your receipts separate; for example, separate your liquor receipts from your other beverage receipts, as your liquor sales can affect your premiums. You can also install certain safety measures in your business, such as a sprinkler system and fire extinguisher, which can not only affect your premiums but also can be used to reduce the amount of damage done to your property in case of fire, therefore lowering the amount you have to claim from insurance.

There are many other ways to save money on your insurance, and insurance can save your business in the event that there is a liability issue. If you are looking into opening a tavern, look into wholesale tavern insurance to protect yourself and your business while saving money at the same time.

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Create a Website That Gets You to the Top of the Search Results

Create a Website That Gets You to the Top of the Search Results

All businesses need a website as part of their strategic marketing plan. With the right insurance SEO methods, you can get to the first page and attract more viable clients.

Ensure Easy Navigation

When a visitor comes to your website, they must be able to easily find what they are looking for. Simple and direct navigation links on the top of every page and an organized site map go a long way in enhancing your website’s SEO.

Utilize the Right Keywords

While quality is most important, you still need to utilize the keywords that people are searching for. Do keyword research and find three to five primary keywords to sprinkle throughout your website at a density of approximately one to three percent.

Include a Blog

A blog on your website allows you to provide visitors with important information related to your business and industry. When you can give people something of value, they are more likely to keep coming back. Just ensure that all writing is high in quality so that search engines reward you with higher rankings.

If you are unfamiliar with the latest insurance SEO strategies for your company website, it is a good idea to get help from a professional. They will review your techniques and ensure that all are being implemented properly.

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Insurance Can Help Reduce the Costs of Data Breaches

Insurance Can Help Reduce the Costs of Data Breaches

Having cybersecurity insurance is one way to take precautions before a security breach happens. Preventive measures should be taken against dangerous cyber attacks, but these rapidly increasing security risks may not be able to be completely avoided. Risk management programs should include an insurance policy that fits your company’s needs and covers any vulnerable branches of your business.
Here are two reasons why your company needs insurance.

Customers Could File Lawsuits

If sensitive customer data is accessed through a cyber attack, it can cause serious expense for your customers. If customers file suits against your company for damages, your costs for the breach could skyrocket. Cybersecurity insurance can help to mitigate those costs.

Your Company Could Lose Reputation

Businesses often spend years of hard work to create a reputation of trust with their clients. When a data breach occurs, that reputation can quickly become tarnished. Insurance that covers cyber liability can cover the costs of managing this crisis as well as the expenses of rebuilding your business reputation among your peers and with your customers.

Depending on the needs of your company, there are different cybersecurity insurance policies that are available. Work with a reputable insurance company to determine what is covered and how that coverage works. Don’t let a data breach cost you your business.

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Protect the Dream

Protect the Dream

As a business owner you know what it means to work hard and watch your dreams grow. Protect those dreams with insurance. Purchase a business owner policy that is tailor-made to your company’s needs and rest assured that you have done everything you can to be prepared for the contingencies of life.

Protect the Property

There are a wide variety of available business insurance policies. One of the most important and basic needs is to protect your property. This includes just about everything you can think of, such as:

  • Buildings, signage, exterior structures, and glass
  • Equipment and furniture
  • Mobile property
  • Business vehicles, cars, trucks, boats, etc.

Protect the People

In addition to providing coverage for the loss of physical equipment, you’ll need to protect your employees in the form of workers’ compensation and business interruption insurance to provide for lost wages. Liability insurance is also a must. This insurance should be specific to your business to cover its unique risks. Additional types of liability insurance include employment practices liability, which covers issues such as sexual harassment and wrongful termination, and errors and omissions insurance which offers protection in the event of a negligence lawsuit.

Whatever your type of business, make sure it’s protected with a business owner policy that adequately covers your risks.

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Insurance Policies to Protect Your Community Association

Insurance Policies to Protect Your Community Association

Community groups such as co-ops and homeowners’ associations should be insured just like regular commercial businesses. There are various policies available from agencies which offer Community Association Insurance.

Protecting Directors and Officers

The directors of your community group put themselves at risk whenever they take decisions on behalf of the group. Insurance for your directors can protect them against claims such as breach of contract, non-employment discrimination, fiduciary duty, employment practices liability, and wrongful termination. Policies such as these may cover both monetary and non-monetary suits, and may extend to cover trustees, employees, committee members, and volunteers who are part of the association.

Protect Against Internal Crime

Fraud affects most businesses at some point, and 80% of workplace crimes is committed by employees. Community associations can also fall prey to internal criminal activity, and it is essential to protect the organization against these claims. Community association insurance policies which cover crime and fraud many include protections against embezzlement, forgery, cyber-crime, and theft.

Insurance for Cyber Risk

Cyber theft and hacking have increasingly become risks in today’s technological world. Such crimes may affect community organizations in several different ways, including as simply as the loss or theft of a board member’s laptop or smart phone. External hacking can also lead to loss of valuable information about the organization, the employees, or the members. Cyber risk insurance policies can help cover some of these losses.

When shopping for insurance for your community group, be sure to choose a well-rated agency which offers competitive prices for the policies you need.

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Types of Cyber Attacks and How to Prepare for Them

Types of Cyber Attacks and How to Prepare for Them

Many companies today don’t realize that nearly half of their assets may be digital data. Some of the problems that can happen may be caused by hacks or viruses that can destroy and alter data. Having automatic data processing insurance can help reduce costs of the damage when a loss occurs.

Viruses

There are many hackers out there who create viruses or malicious code to try to destroy information. This is sometimes referred to cyber terrorism, and an automatic data processing insurance policy can help fight this problem. The reimbursement of interruption, loss of time, and expenses may be covered by your policy.

Pharming

This type of cyber-attack uses a fraudulent website that mimics a legitimate website to steal personal information from unsuspecting users. If a company’s website is hacked, imitated, or used in this process, your business may lose the trust of customers and employees. Your cyber insurance policy may reimburse customers and notify them of the viral attack.

Phishing

Your company may be used in a phishing scam, which is a process of stealing personal information such as passwords and credit card numbers by sending emails pretending to be from a trustworthy business. Loss of this type of data can be extremely harmful to both your company and your customers.

With these types of attacks happening every day to companies worldwide, having automatic data processing insurance can be an important part of keeping your business protected. Be sure to get insurance that covers your specific needs.

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Cargo Liability

Cargo Liability

Transporting cargo is never guaranteed to be easy for businesses. Goods often need to be shipped long distances, both domestically and internationally, posing a high risk for damage occurring before the products reach their destination. Because of this, many companies may benefit from having a comprehensive insurance plan that will cover contingent cargo in the case that damage occurs.

What Is Cargo Liability?

Many companies not only ship their products long distances, but they also use a variety of ways to transport their goods. These methods include the following list.

  • Train
  • Ship
  • Truck
  • Plane

Cargo liability may cover the cost of damaged or lost products. The company shipping the items usually will not lose money as a result of lost products, so contingent cargo liability may be a wise investment for anyone shipping goods.

Why Should Businesses Invest in Cargo Liability?

Many accidents can result in damaged goods, costing a company money for each individual product. Cargo liability covers many risks for damaged goods, including the following list.

  • Natural disasters
  • Theft
  • Collison
  • Mishandling of products
  • Non-delivery

Because shipping is uncertain, companies may find that protecting their bottom line is easier when they have a good insurance plan. Damaged goods can cut into company profit when a business does not have a contingent cargo plan, so making the investment can be one way of growing a company’s success.

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Prepare, Plan, and Practice

Prepare, Plan, and Practice

Employee staffing firms are a booming industry. From large companies to small, businesses rely upon staffing firms to fill their employee vacancies. It is imperative that staffing firms have employment practices liability insurance to protect themselves from potential lawsuits. As the National Labor Relations Board updates and changes hiring standards frequently, it’s important to know and understand your coverage.

Types of Coverage

Employment practices liability insurance protects against employee-related lawsuits. If your company hires, fires, evaluates, or supervises employees or contractors, you need this insurance. It covers employee claims such as:

  • Workplace harassment
  • Breach of contract or employee agreement
  • Discrimination
  • Wrongful termination
  • Sexual Harassment
  • Retaliation

These types of lawsuits are on the rise, and without insurance, a judgement against your company could be financially devastating.

Additional Steps

In addition to having good employment practices liability insurance, implement a company protocol for hiring, disciplining, and firing employees. Get legal advice on best hiring practices and publish it in a company handbook. Train your employees on these practices and make sure they understand what is expected of them. Practice hiring and firing drills to inculcate your company plan. These steps will mitigate the frequency of lawsuits, but not stop them altogether. Make sure your business is prepared with an insurance policy that cover all contingencies.

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Additional Coverage Options for Large Corporations

Additional Coverage Options for Large Corporations

Business owner’s policy coverage typically includes coverage for hardships such as property damage and loss, legal disputes, broken or damaged equipment and the interruption of business operations. However, if you own and operate a large commercial business, you may require additional and more extensive coverage. Fortunately, most insurance providers offer policies that are suited to your business’s needs, no matter the size of your operation.

Commercial Policy Coverage

A commercial package policy differs from the traditional business owner’s policy coverage in that it allows you to choose from different coverage options to create a multi-policy package. This package can include:

  • Business Auto Insurance: If you own company vehicles, business auto insurance is a must. To make your life easier, bundle your business’s auto insurance with that of your business’s overall coverage.
  • Crime Insurance: Insurance that protects you against crime—including theft, vandalism and assault—can be beneficial if your operation is large and if you have valuable assets on hand.
  • Equipment Breakdown: If you operate a manufacturing business with expensive equipment, equipment breakdown insurance would be a worthwhile investment, as most manufacturing equipment can cost upwards of $100,000.

While it is always wise to invest in a general business owner’s policy, speak to your insurance agency to discuss other business owner’s policy coverage that you might benefit from. While you might not need any additional coverage, it never hurts to find out.

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