Blog Section

Why We Need Food Truck Parks

Why We Need Food Truck Parks

Food truck parks are all the rage in some places. These social microcosms are beginning to take on a life of their own. From big cities to small cities, groups of trucks band together to bring together bands of people to experience life in new and exciting ways, through the art of food. The opportunities often far outweigh the liabilities of food trucks for many operators, when it comes to deciding if securing space in a food truck park is a viable option.

Food Truck Park Appeal

Some food trucks develop an almost cult-like following with their tasty, local cuisines. Bring a few of these trucks and their loyal followers together in one space, add some entertainment, sports, or play and you’ve got a spot that people just don’t want to leave. This kind of community is appealing.

Diversity on Steroids

Food truck parks attract many different types of food trucks offering varieties of multi-cultural cuisines. This attracts not only people from the cuisine’s culture of origin, but others who wish to experience it. The synergy behind these gatherings creates a multi-cultural phenomenon in a relatively small local space. This level of diversity is good for everyone.

Food truck parks offer the best of many worlds on a small, sustainable level. They bring together different cultures to experience delicious food, engaging activities, and each other. This lends credibility to the idea that when you feed people, you nourish community.


The Essential Marketing Tips That Could Help Your Insurance Agency Reach More Potential Clients

The Essential Marketing Tips That Could Help Your Insurance Agency Reach More Potential Clients

Is your insurance agency doing all it can to reach potential new clients? If you haven’t reconsidered your insurance agency marketing strategy in a while, now could be the time to do so. New marketing tips could help you expand your reach, strengthen your brand and more. Here’s what your agency can adjust right away.

Work On Your Website and Keep It Up to Date

Getting rid of outdated features and keeping your website up to date is an important part of attracting more clicks and keeping readers interested. Review your website’s current state and consider whether you need to:

  • Improve navigability to make the site feel more user-friendly
  • Post updates to the company blog as often as possible
  • Add tabs to inform potential clients about your specialties
  • Revamp your graphics and keep your website on brand

Launch Ads Across Several Different Channels

For the most effecting marketing punch, try coordinating different campaigns across numerous channels. For instance, try launching ads on:

  • Television and YouTube
  • Print sources, such as newspapers and magazines
  • Billboards and posters
  • Social media, including Facebook, Instagram, Twitter and LinkedIn

Finding the ideal insurance agency marketing strategy can make all the difference to your agency’s reach and impact. If you’re hoping to access new clients or improve your branding, try these essential marketing tips today.


Why Monoline Property Coverage Is Valuable

Why Monoline Property Coverage Is Valuable

Expanding coverage options can help you land new clients as well as retain current customers and boost satisfaction levels. If you want to offer more than so-called cookie-cutter policies, look into monoline property coverage.

How Monoline Property Coverage Works

While general liability policies are essential, sometimes more is required. Just as the name suggests, monoline policies are designed to cover one specific type of risk, as opposed to policies that cover numerous types of risks. An example of where this type of policy is valuable is for homeowners with coastal property. Specific coverage for wind or flood can help them reduce their deductibles should a storm damage or destroy their homes.

Why Monoline Policies Are Valuable

Monoline property policies are appealing in multiple ways. They often cost less than more generalized policies, which is a big plus for many people in today’s tight economy. Another major advantage is that due to the level of specialization, they can provide more efficient action than standard policies should a payout be required. Fast quotes and timely service matter in today’s consumer-savvy business market. Partner with an insurance specialist experienced in offering monoline policy solutions to give your clients more options.

Expanded choices appeal to modern consumers, and the right monoline policies can boost your business, especially in areas such as coastal communities.


3 Cyber Threats That General Liability Insurance Doesn’t Cover

3 Cyber Threats That General Liability Insurance Doesn’t Cover

Cybercrime is among the gravest threats that businesses face in the modern-day. Many businesses neglect their own cybersecurity and even those with the strongest defense are at risk from the evolving communities of hackers. When cyber threats inevitably hit, businesses can be saved from financial ruin thanks to professional liability insurance cyber coverage. There are suites of insurance policies designed to protect businesses from cyber threats, including some of the following incidents which aren’t covered under general liability plans.

1. Data Breach

Businesses are trusted with sensitive information concerning their customers, which hackers can gain full access to in the event of a breach. Cyber insurance helps with the costly process of notifying customers about a data leak and can even extend to offering free credit monitoring to affected individuals.

2. Compromised Data

Another expensive task that a business must undertake after a cyber-attack is recovering compromised data. A solid cyber insurance plan will soften the financial blow when this expense is incurred.

3. Damaged Systems

A particularly brutal cyber-attack can leave computer systems damaged or unusable.  These systems will have to be repaired or replaced to get business operations up and running again, which cyber insurance will assist with.

Businesses of all sizes need professional liability insurance cyber coverage to protect their operations. General liability often covers injury and property damage, but rarely includes coverage for cybercrime. A dedicated cyber insurance plan is necessary for financial security.


The Fundamental Facts High Net Worth Individuals Should Know About Personal Insurance Coverage

The Fundamental Facts High Net Worth Individuals Should Know About Personal Insurance Coverage

If your financial advisor considers you to be a high net worth individual, you may want to consider securing specialized high net worth personal insurance to protect your uniquely extensive assets. High net worth individuals tend to require additional and sometimes tailored insurance. Review these fundamentals as you weigh whether to shop for this personal coverage.

You Should Consider Insuring All Your Biggest Assets and Liabilities

In general, high net worth insurance protects large assets and liabilities that may be difficult to cover under other, more general insurance policies. For instance, if you have an extensive personal real estate portfolio, cookie-cutter insurance may not be enough. Consider getting high net worth insurance if you own some or all of the following.

  • Luxury vehicles
  • Multiple homes
  • Boats
  • Household staff
  • Family heirlooms
  • Jewelry

Search for Personal Insurance That Could Be Helpful for Your Estate

Within the realm of high net worth insurance, you may be able to secure a highly tailored policy. Look for coverage that suits the specifics of your estate. Ask yourself questions such as:

  • Do you have a large estate to insure for tax purposes?
  • Do you need liability protections for exposures you or your children may face?
  • What additional personal insurance do you require on top of your current homeowners’ insurance policy?

For individuals with extensive personal assets, getting high net worth personal insurance may prove immensely valuable. Review these fundamental facts to determine whether you should look into getting this tailored type of insurance coverage.


2 Reasons Your Trucking Company Needs Cargo Insurance

2 Reasons Your Trucking Company Needs Cargo Insurance

Buyers and sellers agree to contractual shipping terms every day. Now your trucking company is moving the cargo, but do you know what the contract means and how cargo insurance for trucking company liability can protect you from unforeseen circ+umstances? Here are two reasons you need cargo insurance.

1. Carrier Liability Insurance Is Not Enough

Whether the buyer or seller is responsible for cargo during shipping, the fact is, if something happens to the goods in transit, it will be you who is on the line for the costs. You know that you have to have carrier liability insurance and may assume that it has you covered in case of a cargo disaster, but it simply isn’t enough coverage. Completely cover damage and loss with cargo insurance so that you never have to dip into your business funds for something that wasn’t your fault.

2. You Can’t Plan For Every Eventuality

You may feel like hiring safe drivers with clean records, your excellent maintenance program and cargo protection measures should be enough. While those are all great practices, you simply can’t plan for theft, natural disasters and other drivers. Trying to save a few dollars upfront can end up costing your business thousands or millions of dollars.

Cargo insurance is an optional coverage, but if you want to protect your business assets, it shouldn’t be.


Adapting Your Risk Management Strategy to Overcome Challenges

Adapting Your Risk Management Strategy to Overcome Challenges

Managing risk is necessary for every business entity. Your actual risk management plan will vary depending on the nature and scope of your work, the environment, and several outside factors. However, there are some risk management measures that every business can take to help reduce risk and protect its assets.

Understanding Challenges That Affect Your Plan

Having a risk management plan in place does not automatically make your business operations less likely to incur a loss. Both internal and external factors can present challenges and stymie even the best efforts. For example, a changing economy can drastically affect sales, impacting your production levels and revenue. Some other examples of challenges you may face include:

  • High turnover leading to a less experienced workforce
  • Cybercrimes, such as data theft, against your business
  • Acts of violence or terrorism
  • Large-scale product recalls

How To Effectively Manage Risk

There are some basic steps that every business should take when developing a risk management plan. These include identifying key risks and exposures and then finding solutions that help reduce them. For most managers, a plan will include establishing a training program and safety protocols, ensuring compliance with regulations and securing appropriate insurance.

It is critical that business administrators understand the factors that can increase their risk. These may include internal and external forces. Once that is accomplished, a comprehensive management plan can be implemented to minimize risk and liability.


A Short Guide To Semi-Truck Insurance

A Short Guide To Semi-Truck Insurance

Being the owner/operator of a semi-truck can be a great way to make a living.  Many people consider truck drivers to be the backbone of the country. You have the great responsibility of making sure a wide variety of different products make it across the United States to where they need to go. However, this important job comes with a certain amount of risk. Things can unexpectedly go wrong and when they do, you want to make sure you are adequately protected financially.

Why Do You Need Semi-Truck Insurance?

Semi-truck owners/operators face a lot of risks that are unique to their business.  There is the possibility that you could hurt someone with your truck and be liable for their medical bills and/or get sued. You could also damage someone’s property and have to pay to get it repaired or replaced. Your truck and cargo could also sustain damage during the trip and you could be out of a lot of money if you don’t have the right coverage.

What Types Of Semi-Truck Coverage Do You Need?

There are many types of semi-truck coverage available and it can be difficult to narrow them down. Some of the most important types of coverage are:

Being the owner/operator of a semi-truck is not always easy. Good insurance coverage can help things run more smoothly.


All About Liquor Liability Insurance

All About Liquor Liability Insurance

When you open up a business that serves alcohol, the last thing you want to think about is something unexpectedly going wrong. Your goal is to help people wind down and enjoy a few drinks with family or friends in a relaxed atmosphere. Unfortunately, when you serve alcohol to patrons, there is always the chance that someone could get overly intoxicated and cause trouble. Sometimes this trouble escalates to dangerous levels and can end with someone getting hurt or property getting damaged. When this happens, you as the business owner could be held liable for their bad decisions since your business served them alcohol. Liquor liability insurance can help you stay protected in these situations.

What Is Covered By Liquor Liability Insurance?

Liquor liability insurance can cover you in a variety of different situations. If a customer gets drunk and hurts someone else, you would normally be liable for their medical bills but luckily, liquor liability insurance can pick up the tab for you. This is also the case if someone damages property. Instead of you having to pay to repair or replace the damaged property, liquor liability insurance can cover it.

What Businesses Can Benefit From Liquor Liability Insurance?

Any business that serves alcohol should consider purchasing this type of insurance.  Some businesses that should have liquor liability insurance are:

  • Bars
  • Taverns
  • Nightclubs
  • Breweries

Running a business that serves alcohol can be risky. Liquor liability insurance can help protect you from messy situations.


Insurance for Mobile Entertainers

Insurance for Mobile Entertainers

If you are a mobile entertainer, then you know that it’s important to be prepared for anything. Accidents can result in equipment damage or injuries. To protect yourself and your business, you should have adequate insurance coverage in place.

Entertainment Types

The mobile entertainment category encompasses a wide range of professionals in the industry. While the exact type of policy each entertainer needs may vary, mobile entertainers insurance offers appropriate coverage options for each category. Including, among others:

  • Photographers
  • Event planners
  • Bands
  • Comedians
  • Magicians
  • Clowns
  • Dancers

Types of Coverage

Your specialty and business model dictate your specific coverage needs. However, liability coverage is something that every entertainer needs to have. At a minimum, the policies should offer protection against third-party claims involving:

  • Personal and advertising injury
  • Property damage
  • Injuries

Even if the risk at a certain venue seems low, you should still obtain insurance to protect yourself against financial loss due to unforeseen circumstances. Because of the risks involved with having an uninsured entertainer, many venues require entertainers to provide proof of insurance in advance.

You should assess the risks involved in your profession when examining insurance policies. Take every factor into account before making a selection. This can help you ensure that you always have proper coverage in place